DARIUS WILKS
Wolfville,NS
Summary
Detail-oriented Loans Audit Clerk with a proven track record in ensuring the accuracy and integrity of loan documentation and processing. Successfully reviewed daily loan reports, indexed scanned documents, and audited various loan and credit agreements for compliance with regulatory standards and internal policies. Responsible customer service professional with excellent service and interpersonal skills. Committed to making every customer feel welcome and assist with any needs. Operates well in team-oriented environments. Open and positive communicator with calm and level-headed approach to managing routine needs and meeting special challenges. Also possesses exceedingly strong knowledge of core computer programs and an aptitude for working with technology. Proven history of completing cash transactions swiftly and accurately. Dedicated to maintaining optimal security and customer satisfaction while meeting ambitious sales targets.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Member Experience Representative (Teller)
Valley Credit Union
05.2021 - Current
- Built and strengthened customer relationships by leveraging excellent interpersonal and communication skills
- Learned about customer's financial needs, established trust and optimized sales opportunities resulting in quality customer service
- Educated customers on use of banking website and mobile apps
- Identified sales opportunities and referred customers to branch partners in financial services
- Reconciled cash drawer and resolved discrepancies
- Placed orders for customer checks and verified starting number
- Assisted customers with compromised debit cards and issued new credentials
- Audited fellow teller currency to contribute to dual-control procedures
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates
- Processed customer transactions promptly, minimizing wait times
- Answered telephone inquiries on checking and savings accounts, loans and lines of credit.
Loans Audit Clerk
Valley Credit Union
02.2023 - 12.2023
- Checked daily loan reports to verify the completeness and accuracy of data input. Monitored for potential problems and initiated corrective action as appropriate and followed up to ensure corrections were made.
- Indexed items scanned into the Square 9 record-keeping system.
- Audited incoming Line of Credit, loans and mortgages (new and renewals), loan extensions, loan amendments, re-scheduling agreements, and change forms to verify the completeness and accuracy of the documentation and ensured it matched on Internal Banking System (Horizon). Ensured all necessary signatures were on the documents.
- Communicated with management to address deficient documentation practices. Made recommendations to improve processes and implemented approved recommendations. Formalized monthly with the preparation of the missing documents list.
- Acted as a resource to the staff in retrieving applications, copies of approvals, files, etc., for Head Office and branch lending employees. Also answered inquiries from lenders.
- Completed all lending filing. Referred paid-out loan files to the Loan Administration Support Clerk for CDI and CLI rebate processing (Insurance terminations)
- Prepared quarterly reports for high-ratio mortgage insurers.
- Monitored the credit union’s procedures and results and initiated and/or recommended improvements to increase efficiency and effectiveness.
- Adhered strictly to Anti-Money Laundering and Terrorism Financing (AMLTF) compliance.
- Completed other duties and projects as assigned by Manager of Credit Risk.
- Provided backup support to the Branch Administration Support Clerk.
Retail Associate/Cashier
Mark's (Clothing retail company)
11.2018 - 08.2021
- Processed merchandise returns and exchanges for customers to refund payments, trade items and offer store credit
- Maintained accurate and attractive merchandise displays to maximize purchases
- Welcomed customers, offered to help locate items and suggested merchandise without being intrusive or pushy
- Helped customers by answering questions and locating merchandise
- Maintained friendly, outgoing personality to promote positive work environment and build customer loyalty
- Performed floor moves, merchandising, display maintenance and housekeeping to keep sales areas well-stocked, organized and current
- Counted cash, made change and stored coupons to keep organized and balanced cash register drawer.
Business Technical Support Specialist
Hinduja Global Solutions, HGS
05.2018 - 08.2018
- Answered inbound calls for a premier Canadian based Telecommunications Company by providing basic troubleshooting for mobile cellphones of various kinds (I-phones, Androids, BlackBerrys, etc.)
- Identified consumer needs, clarified issues, and researched information to provide alternative solutions
- Completed paperwork within established guidelines to document consumer requests
- Managed high volumes of inbound and outbound calls in fast-paced environment to build, cultivate and establish lucrative client relationships
- Delivered fast, friendly and knowledgeable service for routine questions and service complaints
- Forwarded calls to management if outstanding issue required immediate resolution
- Attended educational seminars and conferences to develop expertise and improve performance.
Cashier/Line Cook
Burger King
05.2015 - 01.2018
- Kept customer and food preparation areas clean and well-organized for maximum efficiency
- Prepared items according to written or verbal orders, working on several different orders simultaneously
- Entered requested menu items into POS terminal, modifying with substitutions and add-ons to customize orders
- Built brand loyalty and accomplished customer satisfaction by working well with other food service team members
- Took necessary steps to meet customer needs and effectively resolve food or service issues promptly
- Safely prepared, assembled and presented food to satisfy customers and fill orders.
Education
Business Administration Diploma - Financial Services
Nova Scotia Community College
06.2021
No Degree - Business Administration
Acadia University
Wolfville, NSHigh School Diploma -
Horton High School
06.2016
Skills
- Understanding of various loan types, including mortgages, lines of credit, and personal loans, along with related procedures and regulations
- Effective verbal and written communication skills to interact with management, staff, and clients, and to address any documentation issues
- Proficiency in entering and managing data within record-keeping systems and databases
- Competence in analyzing data and documentation to identify discrepancies or issues
- Ability to manage multiple tasks and prioritize work efficiently, including maintaining and organizing documentation
- Building strong customer relationships
- Resolving conflicts in tough situations
- Highly proficient with Microsoft Office—Word, Excel, PowerPoint, Access
- Attention to detail
- Knowledge of proper cash handling procedures
- POS system operation
Certification
- Certificate for CSI Personal Financial Services Advice course
- CUIC 210 Consumer & Residential Mortgage Lending Cohort (In Progress)
- Workplace Hazardous Materials Information System
- Occupational Health and Safety (OHS)
- Leadership in Training Camp at Brigadoon Village
CCUA Campus Courses completed:
- Spotting Quality Referrals
- Risk-Based Lending
- Core Credit Knowledge
- Talking Pensions at Any Life Stage
- Business Structures in Canada
- Know Your Member, Manage Your Risk
- Loan and Investment Strategies in Action
- Reading and Interpreting a Credit Report
- Reading and Interpreting Financial Statements
- Your Role in Asset Liability Management
- Handling Estates - The Fundamentals
- Trusts, Power of Attorney, and Other Conversations
- RESPs - The Fundamentals
- RRSPs - The Fundamentals
- TFSAs - The Fundamentals
City
NS
Street
Wolfville
Zip
B4P 2K5
References
- References Available Upon Request
Languages
English
Professional Working
Timeline
Loans Audit Clerk
Valley Credit Union
02.2023 - 12.2023
Member Experience Representative (Teller)
Valley Credit Union
05.2021 - Current
Retail Associate/Cashier
Mark's (Clothing retail company)
11.2018 - 08.2021
Business Technical Support Specialist
Hinduja Global Solutions, HGS
05.2018 - 08.2018
Cashier/Line Cook
Burger King
05.2015 - 01.2018
Business Administration Diploma - Financial Services
Nova Scotia Community College
No Degree - Business Administration
Acadia University
High School Diploma -
Horton High School
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