Summary
Overview
Work History
Education
Skills
Work Availability
Work Preference
Timeline
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Eliane Isaro

Ottawa,ON

Summary

10 years of total work experience Over 7 years of experience as a Credit Underwriter Analyst Over 7 years of experience of delivering excellent bilingual customer service Over 5 years of experience in marketing and advertising Over 5 years of experience with detailed research using the Internet and information databases

Overview

11
11
years of professional experience
2
2
Languages

Work History

Credit Analyst

Prefera finance
- Current
  • Perform risk assessment and provide analytical opinion on proposals
  • Verify the execution of documents, and the fulfilment of conditions precedent
  • Check and verify drawdown instruction and issue e-permit for loan disbursement
  • Post lending management and oversight
  • Analyzing and evaluating the risks of proposals, reviewing the documents from legal and compliance prospective, checking the conformity of conditions precedent and the perfection of legal documentation prior to loan advance
  • Providing overall risk analysis opinion and recommendation based on the credit rating, credit facility limit, collateral value, facility structure, lending terms and other conditions and submit to CRMD Head/Manager or other authorized person for verification
  • Monitoring and reviewing the approved credit facilities which are aligned with our Bank's credit policy periodically
  • Review and comment the reasonableness on customer credit rating proposed by business originators, and whether rating scorecard has demonstrated the customer rating properly
  • Review and comment the reasonableness of the credit limit requested by business originators
  • Review the reasonableness of the collateral valuation and revaluation, make comments on collateral appraisal reports
  • Oversee post-lending management conducted by business originators.

Senior. Client Representative-Customer Service

ADT by TELUS
11.2020 - 02.2022
  • Expertly provisioned cellular and interactive services for technicians
  • Ensured integrity of new account installations thru application of an in-service check list
  • Maintained ADT by TELUS database standards thru review of account information, correcting errors as located and bringing forward items for resolution
  • Interfaced with internal departments to facilitate positive resolutions for customer needs failing outside the purview of Provisioning
  • Promptly answered inbound calls in a warm/courteous manner, verifying the caller in an efficient, expedient manner
  • Documented all key information from conversation with the caller concerning their account and/or work performed on their account.

Credit Analyst

EDEN PARK VEHICLE FINANCING
Toronto, Canada
10.2017 - 11.2019
  • Review and adjudicate vehicle loan applications by assessing customer's credit worthiness based on credit history, income determination, and collateral valuation
  • Ensure loan applications are determined accurately and timely in a fast paced environment
  • Willingness to thrive in a customer service focused and team work setting with sales, Funding and Dealers
  • Develop and maintain respectful relationship with dealers
  • Reviewing income and funding documents for escalations
  • Analyzing customer loan applications from Dealers and determining customer affordability by reviewing customer credit history, employment and income according to established guidelines
  • Completing risk assessments and developing recommendations as to the appropriate course of action for customer loan applications
  • Analyzing, processing and recommending loan amendments or pricing concessions requests from dealers
  • Ensuring customer loan applications from Dealers are properly and accurately investigated, evaluated and documented
  • Following up on outstanding loan related information and managing the credit review process for assigned loan applications
  • Seeking or clarifying information from Dealers regarding loan application documentation in a professional and efficient manner
  • Supporting Dealers should they experience problems with dealer loan application software to ensure loan volume and Dealer relationships are not negatively impacted
  • Showing respect for the Dealer and listening to the Dealer's needs particularly in situations where credit is not granted for a particular loan application.

Casual onsite admin and data entry

UNLEASHED POSSIBILITIES Inc
Toronto, Canada
01.2014 - 01.2018
  • Receive and save data
  • Entry of data into an electronic database
  • Check the accuracy of data
  • Update databases
  • Other tasks, as required.

Bilingual Credit Underwriter Analyst

CAPITAL ONE CANADA
Toronto, Canada
11.2015 - 10.2017
  • Evaluate requests for additional credit on existing partnership accounts (Costco, Hudson's Bay, Saks Fifth Avenue)
  • Perform Annual reviews on accounts with high exposure
  • Evaluate and scan applications for all partnership accounts to prevent fraud or for any information mismatch
  • Assist in the review of portfolio performance and trends
  • Respond to inquiries from client service, field sales teams, and partner representatives regarding declined applications and credit policies
  • Share responsibility for achieving key portfolio performance metrics
  • Ensure management is kept informed of any issues or developments that could impact the overall level of risk on the programs the team supports
  • Provide coaching to Customer Service, Escalated Help Desk and other connected teams
  • Ensure compliance with all internal and external privacy regulations
  • Assist in the development and execution of improvements in policies and procedures.

Bilingual Customer Service Representative (Contract)

AON HEWITT
Toronto, Canada
07.2015 - 11.2015
  • Handling a large volume of incoming and outgoing calls in French and English
  • Answering customer inquiries via phone and email
  • Ensure call centre inbound calls are answered while maintaining focal point for customer relations
  • Liaising with customers and other departments to solve problems
  • Offering assistance to CIBC employees on questions about payroll, time keeping, updates on insurance and company benefits through phone calls and tickets.

Bilingual Customer Service Representative

LYONESS CANADA
Toronto, Canada
11.2013 - 06.2015
  • Assist all customers via phone, digital communication and in-person
  • Responsible for customer service to Lyoness walk in members
  • Provide support to all customer queries in two languages
  • Manage and analyze customer feedbacks, follow-up methods and quality of after sales service
  • Improve customer service based on client feedback
  • Ensure that the quality of service provided to each customer is in accordance to the company's policies
  • Take customers' contact information and ensure that products are delivered on time
  • Provide customers with detailed product information in their language of choice
  • Ensure that customers' orders are taken properly and delivered to in a time-efficient manner
  • Resolve customers' complaints efficiently and record feedback
  • Deal with members' inquiries in a polite and professional manner
  • Work on special projects as assigned by management, such as mail outs
  • Work in the Logistics Department by making sure that all the processed orders for members and merchants balance before they are sent off
  • Perform other administrative duties
  • Occasional out of office event support
  • Assist Event Planner on sites as well as translating from French to English about the company events
  • Assist the Marketing and Communication Manager to update the company website as needed
  • Takes payment for gift cards orders and booking orders/cash handling
  • Perform End of day reconciliation/accounting and inventory
  • Ensure all monies are frequently removed from the reception area and always securely stored at the end of the day.

Call Center Agent (Contract)

ACCESS RESEARCH
Toronto, Canada
09.2013 - 09.2013
  • Conducted bilingual surveys on behalf of Canada Mortgage and Housing Corporation
  • Collected data from surveys
  • Booked call appointments for clients of languages other than French and English.

Education

Diploma - Medical Office Administration

Everest College
01.2014

Skills

  • Credit Underwriting
  • Risk Assessment
  • Analytical Skills
  • Customer Service
  • Marketing and Advertising
  • Research
  • Bilingual (French and English)
  • Database Management
  • Documentation
  • Collateral Valuation
  • Loan Disbursement
  • Credit Rating
  • Credit Limit Evaluation
  • Loan Amendments
  • Loan Application Processing
  • Customer Relationship Management
  • Data Entry
  • Fraud Prevention
  • Portfolio Performance Evaluation
  • Policy and Procedure Development
  • Coaching and Training
  • Compliance Management
  • Privacy Regulations
  • Call Center Operations
  • Problem Solving
  • Payroll and Timekeeping
  • Insurance and Benefits Administration
  • Order Processing
  • Complaint Resolution
  • Event Support
  • Translation (French to English)
  • Website Management
  • Cash Handling
  • Survey Conducting
  • Data Collection
  • Appointment Booking
  • Medical Office Administration

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference

Work Type

Full Time

Location Preference

Remote

Important To Me

Personal development programsHealthcare benefitsCompany CultureWork from home optionWork-life balanceCareer advancementPaid time off

Timeline

Senior. Client Representative-Customer Service

ADT by TELUS
11.2020 - 02.2022

Credit Analyst

EDEN PARK VEHICLE FINANCING
10.2017 - 11.2019

Bilingual Credit Underwriter Analyst

CAPITAL ONE CANADA
11.2015 - 10.2017

Bilingual Customer Service Representative (Contract)

AON HEWITT
07.2015 - 11.2015

Casual onsite admin and data entry

UNLEASHED POSSIBILITIES Inc
01.2014 - 01.2018

Bilingual Customer Service Representative

LYONESS CANADA
11.2013 - 06.2015

Call Center Agent (Contract)

ACCESS RESEARCH
09.2013 - 09.2013

Credit Analyst

Prefera finance
- Current

Diploma - Medical Office Administration

Everest College

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Eliane Isaro