TERRY-ANN PAULWELL
Kingston,Jamaica
Summary
Hardworking Credit Supervisor well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths.
Overview
22
22
years of professional experience
Work History
Credit Supervisor
Aim Financial Corporation
06.2013 - Current
- Develop and maintain professional relationships with all borrowers to answer all questions and analyse all credit reports for qualification processes and document all resources
- Evaluate all documents to maintain accuracy of all electronic files
- Oversee accurate and timely processing of loan files
- Contributes directly on occasional transactional activities to resolve complex or rush situations
- Review and pre-approve loan applications
- Justify decisions (approvals/rejections) and report on them
- Identify opportunities for continuous improvement and areas for training
- Completes staff communications, interviews, meetings
- Motivate team to produce required service results expected by both borrowers and third party clients
- Set goals for individual team member performance, team’s performance and meet weekly with team to track team’s success
- Review staffing constraints that may compromise ability to meet objectives and make recommendations to Senior Management in order to solve these issues as they arise
- Plans, monitors, and administers daily workflow and assignments to ensure quality and efficient delivery of documents
- Develops and monitors policies and procedures and team performance levels
- Regularly review statuses of overdue accounts
- Review payment histories and direct staff in how to efficiently collect overdue accounts
- Performs periodic reviews of work accomplished by team members to ensure accuracy and acceptable levels of productivity
- Produces and reviews standard reports to verify efficiency within assigned area.
- Optimized credit approval and collection processes, improving operational efficiencies by over 80%.
Credit Officer
Aim Financial Corporation
03.2010 - 06.2013
- Evaluated credit worthiness - processed loan applications and documentation within specified limits
- Interviewed applicants and determined financial eligibility and feasibility of loans
- Determined all applicable ratios and set up debt payment plans
- Completed loan contracts and counselled clients on policies and restrictions
- Assessed customer needs, explore all options and introduced different types of loans
- Developed referral networks, suggested alternate channels and cross-sell products and services to accomplish quotas
- Go the “extra mile” and built trust relationships, customer loyalty and satisfaction throughout the underwriting process
- Monitored overdue listing (0-30 days)
- Contacted delinquent customers
- Dispatched warring and demand letters.
Insurance Premium Financing Officer
Aim Financial Corporation
07.2007 - 03.2010
- Processed Insurance Premium Finance Forms
- Applied direct deposit payments to customers’ accounts
- Dispatched Cancellation & Rescind Notices to Insurance Companies & Brokers
- Maintained relationships with Insurance Companies & Brokers
- Contacted delinquent customers.
Operations Assistant
Aim Financial Corporation
12.2004 - 07.2007
- Met with loan applicants and identified their needs and collected information for loan applications
- Submitted loan applications in a timely manner
- Collected cash, cheques, and debit card payments from customers
- Issued receipts to customers
- Dealt with refunds as necessary
- Answered customer queries.
Accounting Clerk
Ultimate Jamaica Limited
10.2002 - 04.2003
- Updated inventory count and maintained records
- Managed the process of all pre-requisition orders within agreed limits
- Obtained estimates and price details from different vendors to compare cost
- Compiled and sorted invoices and ensured that they were accurately entered into the system
- Matched invoices to work orders and processed bills for payments
- Performed data entry duties and ensured that all transactions were properly recorded.
Education
Certificate in Supervisory Management -
The University of the West Indies
01.2014
Bachelor’s Degree in Business Administration (BBA) - Accounting
The University of Technology
12.2011
Diploma in Accounting & Financial Management - undefined
University College of the Caribbean
01.2005
Secondary -
Wolmer’s High School For Girls
06.1999
Skills
- Adapt quickly and successfully to new challenges outside the immediate realm of personal experience and dedicated to maintaining high quality services standards
- Excellent organizational and communication skills with a methodological approach to prioritizing and completing work
- An adept and highly motivated self-starter, wide ranging experience of working in teams and of taking a leadership role in such groups
- Able to interact and effectively build relationships and engage with people at all levels internally and of client organization
- A proven track record of delivering impressive results demonstrating first-class customer service experience and problem-solving skills
- Capable of achieving personal and business objectives at the highest levels
- Proficient computer skills, able competently to use Microsoft Office
References
Available on request
Timeline
Credit Supervisor
Aim Financial Corporation
06.2013 - Current
Credit Officer
Aim Financial Corporation
03.2010 - 06.2013
Insurance Premium Financing Officer
Aim Financial Corporation
07.2007 - 03.2010
Operations Assistant
Aim Financial Corporation
12.2004 - 07.2007
Accounting Clerk
Ultimate Jamaica Limited
10.2002 - 04.2003
Certificate in Supervisory Management -
The University of the West Indies
Bachelor’s Degree in Business Administration (BBA) - Accounting
The University of Technology
Diploma in Accounting & Financial Management - undefined
University College of the Caribbean
Secondary -
Wolmer’s High School For Girls
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