Suzette Ramoutar
Hollywood,FL
Summary
Certified Credit Analyst bringing a wealth of experience in pre underwriting loan requests, executing complete and concise credit analysis of commercial loans, analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work with a financial institution with a healthy and positive vision for growth and with a strong and supportive team of leaders.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Real Estate Sales Associate
The Keyes Company
12.2020 - Current
- Develop strong relationships with clients by providing exceptional customer service and timely communication.
- Conduct open houses to showcase properties, generating interest and attracting potential buyers.
- Streamline the closing process by coordinating inspections, appraisals, title work, and other necessary documentation in a timely manner.
- Communicate with clients to understand property needs and preferences.
- Maintain an up-to-date knowledge of local market trends, allowing for accurate pricing recommendations for clients.
- Generate leads through networking events, building a strong referral base for future business opportunities.
- Work closely with clients to facilitate appropriate loans, inspections, and credit reports.
- Negotiate favorable contract terms for clients, resulting in successful closings and increased client satisfaction.
- Coordinate appointments to show marketed properties.
- Liaise between buyers and sellers to provide positive experiences for both parties.
Mortgage Loan Underwriter
Desjardins Bank
05.2019 - 05.2020
- Conducted regular audits of underwriting files for accuracy and completeness, maintaining impeccable documentation standards.
- Increased customer satisfaction levels by providing clear explanations of underwriting decisions and addressing concerns promptly.
- Contributed to team success through active participation in training sessions and professional development opportunities.
- Conducted comprehensive credit analyses to determine borrower eligibility and minimize default risks.
- Provided detailed feedback on loan decisions, effectively communicating with both internal stakeholders and applicants.
- Enhanced underwriting efficiency with thorough risk assessments and timely decision making.
- Improved loan approval rates by meticulously reviewing and analyzing applicant financial documents.
- Assisted in the implementation of new underwriting tools and technologies, optimizing workflow within the department.
- Streamlined communication channels between departments, fostering collaboration throughout the mortgage origination process.
- Maintained compliance with regulatory standards and guidelines, mitigating potential risks to the organization.
- Effectively managed workload to ensure timely completion of all assigned tasks while maintaining a focus on quality.
- Collaborated with loan officers to resolve discrepancies in application materials, streamlining the approval process.
- Reduced processing times for mortgage applications, ensuring prompt customer service and satisfaction.
- Reviewed appraisals to verify accuracy and completeness.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
Commercial Credit Analyst
Desjardins Bank N.A.
03.2012 - 05.2020
- Ensured regulatory compliance in all credit-related activities by staying updated on industry best practices and adhering to internal policies.
- Maintained a high level of expertise in credit analysis through ongoing education, certifications, and staying current with industry publications.
- Streamlined credit approval process for faster decision-making through meticulous documentation and collaboration with senior management.
- Enhanced customer relationships through effective communication, timely responses, and providing tailored financial solutions.
- Promoted a culture of excellence in underwriting decisions by maintaining strict adherence to established guidelines while remaining flexible when warranted for client retention or acquisition purposes.
- Mitigated financial risks through consistent monitoring of existing loan accounts and recommending adjustments as necessary.
- Strengthened the credit evaluation process by incorporating industry trends and macroeconomic factors into analyses.
- Assisted colleagues in resolving complex credit issues through sharing expertise, experience, and knowledge of banking regulations.
- Contributed to business development efforts by actively participating in networking events, trade shows, and conferences related to the commercial lending industry.
- Enhanced team productivity through continuous process improvements, training initiatives, and sharing best practices within the credit department.
- Supported senior management in formulating credit strategy by providing insightful research, analysis, and recommendations on industry trends and emerging risks.
- Managed a diverse portfolio of commercial loans, consistently meeting or exceeding performance targets.
- Developed strong professional relationships with key stakeholders such as accountants, attorneys, and appraisers to facilitate smooth credit transactions.
- Improved loan portfolio quality by conducting thorough financial statement analysis and risk assessments.
- Boosted efficiency in underwriting activities by developing comprehensive credit risk models and monitoring tools.
- Reduced potential losses by identifying high-risk borrowers and taking appropriate action to mitigate risks.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Made decisions and recommendations about extending credit.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Gathered loan documentation for underwriting.
- Maintained compliance with applicable regulations and laws governing consumer credit.
Mortgage Loan Officer
Desjardins Bank
03.2009 - 03.2012
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
Branch Manager
Desjardins Bank
09.2006 - 04.2008
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
Senior Customer Service Representative
Desjardins Bank
01.2001 - 08.2006
- Enhanced customer satisfaction by promptly addressing and resolving complex inquiries and complaints.
- Streamlined customer service processes for increased efficiency and improved response times.
- Mentored junior team members, contributing to their professional development and overall team success.
- Collaborated with cross-functional teams to develop new strategies for enhancing customer experience.
- Established strong rapport with customers, fostering long-term relationships and repeat business.
- Conducted regular training sessions for staff, ensuring consistent delivery of exceptional service quality.
- Developed comprehensive knowledge of company products and services in order to provide accurate information to customers.
- Utilized CRM tools effectively for efficient tracking and reporting of customer interactions and outcomes.
- Provided backup support during peak periods or staff shortages to ensure seamless service delivery to clients at all times.
- Responded to customer calls and emails to answer questions about products and services.
- Trained and directed new employees in call script use, conflict resolution, and data entry practices to boost customer satisfaction ratings.
Teller
Desjardins Bank
03.2000 - 01.2001
- Improved customer satisfaction by providing efficient and accurate transaction processing.
- Enhanced branch security through vigilant monitoring of suspicious activities and timely reporting to supervisors.
- Streamlined teller operations by maintaining organized workspaces and adhering to policies and procedures.
- Assisted customers with account inquiries, resolving issues promptly and professionally.
- Maintained cash drawer accuracy by conducting regular audits and implementing effective cash handling practices.
- Supported team members in achieving branch goals through collaboration, communication, and shared responsibilities.
- Contributed to a positive work environment by demonstrating professionalism, courteousness, and a strong work ethic.
- Developed strong relationships with customers through exceptional service, fostering loyalty and trust.
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
- Provided training to new tellers on bank procedures, systems, and customer service best practices.
- Handled complex transactions such as wire transfers or foreign currency exchanges with accuracy and efficiency.
- Prepared reports on daily transactions for management review, highlighting areas for improvement or notable accomplishments.
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Followed up on customer complaints and provided solutions to enhance customer satisfaction.
- Maintained friendly and professional customer interactions.
- Monitored and verified suspicious activity on customer accounts.
- Trained new hires on customer service policies and procedures.
- Generated monthly reports on customer activity and customer feedback.
- Wrote and distributed customer correspondence.
Education
Pre-Education Requirement - Real Estate
Real Estate Express
St Louis, MO06.2020
Certification - Credit Analysis
Center For Financial Training
Miami, FL2016
Bachelor of Science - Business Management
University of Phoenix
Tempe, AZ06.2007
D.E.C. - Social Sciences
Vanier College
Ville St. Laurent, Quebec, Canada01.1999
High School Diploma -
Marymount Academy
Cote-Ste-Luc, Montreal, Quebec, CANADA08.1997
Skills
- Microsoft Excel proficiency
- Effective Communication skills
- Excellent analytical skills
- Risk mitigation strategies- Fraud detection and prevention
- Excellent writing skills
- Detail- Oriented
- Valid MLO number
Affiliations
- National Association of REALTORS
Certification
Credit Analysis Certificate
Florida Notary Public Commission No. HH210847
Valid thru: 1/10/2026
Contemporary Negotiating: Principals, Strategies, and Tactics
Developing a Leadership Mindset
Languages
French
Native or Bilingual
Timeline
Real Estate Sales Associate
The Keyes Company
12.2020 - Current
Mortgage Loan Underwriter
Desjardins Bank
05.2019 - 05.2020
Commercial Credit Analyst
Desjardins Bank N.A.
03.2012 - 05.2020
Mortgage Loan Officer
Desjardins Bank
03.2009 - 03.2012
Branch Manager
Desjardins Bank
09.2006 - 04.2008
Senior Customer Service Representative
Desjardins Bank
01.2001 - 08.2006
Teller
Desjardins Bank
03.2000 - 01.2001
Pre-Education Requirement - Real Estate
Real Estate Express
Certification - Credit Analysis
Center For Financial Training
Bachelor of Science - Business Management
University of Phoenix
D.E.C. - Social Sciences
Vanier College
High School Diploma -
Marymount Academy
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