Carmelle Ndiho
Rockland,ON
Summary
Proactive problem-solver, with the ability to forge key relationships with colleagues and clients. Strong focus on morale, leadership, and positive work environment.
Diligent underwriter with proven background in credit analysis, including assessing creditworthiness and managing risk. Successfully contributed to development of credit policies and financial models, enhancing decision-making processes. Demonstrated expertise in financial statement analysis and credit risk assessment.
Overview
15
15
years of professional experience
Work History
Senior Credit Analyst/Underwriter III
TD Bank Group
01.2021 - Current
- Assisted Practice Management with new hires training by reviewing credit applications, providing feedback to new hires, tracking their progress and escalating any concerns to the management team.
- Ensured customer concerns or issues are handled appropriately and resolved in a timely manner, escalated when required.
- Supported the team by continuously enhancing knowledge, expertise in own area and participated in skills transfer within the business unit
- Positively contributed to the overall customer experience and fostered good relationships with internal and external partners
Credit Analyst/Underwriter I
TD-MBNA
01.2019 - 01.2021
- Provided credit support, solutions, recommendations when evaluating, analyzing credit applications for decisions in accordance with bank policies and procedures
- Ensured all credit decisions within assigned limits are fulfilled on certain credit products efficiently and effectively, meeting service level agreements
- Helped to build a positive work environment that promotes service to the business, quality, innovation and teamwork while working fully as a member of the team
Digital tech specialist
TD-MBNA
01.2016 - 01.2019
- Assisted customers to enroll in online banking and to reset existing profiles.
- Worked with my team and individually to troubleshoot frequent technical issues
- Helped with account inquiries, processed money transfers and payments through different systems.
Customer service representative
TD-MBNA
01.2014 - 01.2016
- Attracted potential customers by answering product and service questions, providing information on other products and services.
- Maintained customer records by updating accounts information.
- Resolved product or service problems by clarifying the customer's complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem.
- Contributed to team effort by accomplishing related results as needed and innovating processes already in place.
Security Officer
Securitas Canada, National Gallery of Canada
01.2011 - 01.2014
- Monitored the works of art of great value in public places in general
- Ensured safety in meetings of high importance
- Provided information and recommendations for visitors
- Evacuated people in case of emergency
- Escorted visitors inside the building
Education
Bachelor's degree - business administration, Industrial Relations and Human Resources
Université du Québec en Outaouais
Gatineau, Québec04.2014
Skills
- Bilingual communicator with strong analytical skills
- Efficiently embraces new challenges
- Advanced skills in MS Office applications
- Client service excellence
- Financial statement analysis
- Understanding lending regulations
- Credit underwriting proficiency
- Expertise in interpreting credit reports
- Credit risk assessment
- Employee training
Languages
English
Full Professional
French
Native or Bilingual
Timeline
Senior Credit Analyst/Underwriter III
TD Bank Group
01.2021 - Current
Credit Analyst/Underwriter I
TD-MBNA
01.2019 - 01.2021
Digital tech specialist
TD-MBNA
01.2016 - 01.2019
Customer service representative
TD-MBNA
01.2014 - 01.2016
Security Officer
Securitas Canada, National Gallery of Canada
01.2011 - 01.2014
Bachelor's degree - business administration, Industrial Relations and Human Resources
Université du Québec en Outaouais
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