Jillian Vizzutti
Powell River,BC
Summary
Experienced Commercial Lender with over 16 years in the banking and financial services industry. Progressed from Teller and worked in various positions within the Credit Union prior to Commercial Lending. Adept at assessing creditworthiness, managing lending portfolios, and building strong client relationships. Demonstrated exceptional problem-solving and communication skills, contributing to team support and client satisfaction.
Overview
10
10
years of professional experience
Work History
Commercial Loans Officer
First Credit Union
11.2018 - Current
- Manage a portfolio of commercial loans, including term loans, lines of credit, margining and commercial real estate loans.
- Conduct thorough credit analysis and risk assessment including financial statement analysis and collateral evaluations to determine borrower eligibility and loan terms.
- Develop and maintain strong relationships with clients, by addressing client inquiries, resolving issues, and providing financial advice and support to meet their business needs.
- Prepared and presented loan proposals to senior management and credit committees for approval.
- Collaborate with credit analysts, underwriters, and other banking professionals to ensure timely loan processing and approval.
- Improved operational efficiency by implementing process improvements in areas such as loan origination and servicing.
- Stayed current with industry trends, market conditions, and regulatory changes to maintain compliance.
Commercial Loans Administrator
First Credit Union
11.2014 - 11.2018
- Administer and process commercial loan applications, ensuring all required documentation is complete and compliant with regulations.
- Coordinate with loan officers, credit analysts, and underwriters to facilitate loan approvals and disbursements.
- Maintain accurate and up-to-date loan files and records in accordance with company policies and regulatory requirements.
- Monitor loan portfolios to ensure timely payments and identify any potential issues or delinquencies.
- Assist in the preparation of loan closing documents and coordinate closings with borrowers and legal representatives.
- Provide support and training to new staff on loan administration processes and procedures.
- Supported underwriters in making informed decisions by conducting comprehensive reviews of financial statements and credit reports.
- Assisted in system conversions and updates.
- Assisted with company audits.
- Maintained a high level of confidentiality while handling sensitive borrower information throughout the loan process.
- Communicated with clients to gather necessary information and documentation for loan applications.
- Bolstered team morale and productivity by offering support, guidance, and assistance with complex tasks when needed.
Education
Accreditation - Commercial Lending
CCUA Education And Professional Development
Toronto, ON05.2022
High School Diploma -
Prince Rupert Senior Secondary School
Prince Rupert, BC06.2004
Skills
- Credit Analysis
- Financial Statement Analysis
- Risk Assessment & Management
- Portfolio Management
- Relationship Management
- Regulatory Compliance
- Sales and Business Development
- Customer Service
- Problem Solving
- Oral and Written Communication
- Loan Documentation
- Loan Structuring
Timeline
Commercial Loans Officer
First Credit Union
11.2018 - Current
Commercial Loans Administrator
First Credit Union
11.2014 - 11.2018
Accreditation - Commercial Lending
CCUA Education And Professional Development
High School Diploma -
Prince Rupert Senior Secondary School
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