BELYNDA BRUTUS
Montreal,QC
Summary
Bilingual underwriter well-versed in credit risk scenarios Looking for a new challenge and diversify working experience. Enthusiastic, friendly and good at multitasking. Sharp and highly trained with a desire to work as a virtual assistant
Overview
17
17
years of professional experience
1
1
Certification
Work History
Personal Banker & Investment Specialist
Scotiabank
04.2022 - 06.2024
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
Credit Analyst
Scotia Dealer Advantage
01.2015 - 04.2022
- 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.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Senior Credit Collections Analyst
Scotia Dealer Advantage
09.2009 - 12.2014
- Routinely contacted accounts holders who were delinquent on the monthly car loan payments, oversaw dispute resolution and reconciliation for accounts more than 90-120 days behind, analyzed, assessed, and reported any potential fraudulent loans, had monthly ITB's with junior colleague, processed single or double extensions
- Maintained strong working knowledge of relevant regulatory requirements, ensuring compliance with all applicable laws and standards related to credit granting and collection activities.
- Collaborated with cross-functional teams to resolve disputes and negotiate payment arrangements effectively.
Collections Representative
Scotia Dealer Advantage
06.2008 - 09.2009
- Handled accounts that were 30-90 days delinquent, reasoned with customers and negotiated full balance, advised debtors on payment options and set up payment plans, notified customers of delinquent accounts with attempt to collect outstanding amounts
- Counseled debtors on payment options and arranged installment agreements.
- Handled 75+ outbound and inbound calls daily with goal of collecting owed debt.
Retail Customer Service Representative
HSBC
09.2007 - 05.2008
- Answered customer questions and addressed concerns in regard to product selected, evaluated benefits for each caller to determine service needs and address concerns, delivered service and support to each customer, paving way for future business opportunities
- Resolved customer complaints promptly, resulting in increased loyalty and repeat business.
- Assisted customers with finding suitable products, leading to higher sales revenue.
Education
High School Diploma -
École Secondaire Henri-Bourassa
Montréal, QC06.1998
Skills
- Underwriting
- Credit analysis
- People skills
- Flexible
- Critical thinker
- Judgmental lending
- Oral and written communications
Languages
English
Native or Bilingual
French
Native or Bilingual
Certification
MFDA license
Timeline
Personal Banker & Investment Specialist
Scotiabank
04.2022 - 06.2024
Credit Analyst
Scotia Dealer Advantage
01.2015 - 04.2022
Senior Credit Collections Analyst
Scotia Dealer Advantage
09.2009 - 12.2014
Collections Representative
Scotia Dealer Advantage
06.2008 - 09.2009
Retail Customer Service Representative
HSBC
09.2007 - 05.2008
High School Diploma -
École Secondaire Henri-Bourassa
Similar Profiles
Raquel JohnRaquel John
Senior Customer Care Advisor-Social Media at ScotiabankSenior Customer Care Advisor-Social Media at Scotiabank
Kevin LevyKevin Levy
Director, Commercial Card Solutions, Global Transaction Banking, North America at ScotiabankDirector, Commercial Card Solutions, Global Transaction Banking, North America at Scotiabank
Radhika NarayananRadhika Narayanan
Officer III, Commodities Wind-down Operations at ScotiabankOfficer III, Commodities Wind-down Operations at Scotiabank
Madhav MakkerMadhav Makker
Senior Customer Experience Associate at ScotiabankSenior Customer Experience Associate at Scotiabank
Himzet AlicHimzet Alic
Deputy Handling Director at NewrestDeputy Handling Director at Newrest