LINDA ENEH
Lindsay,ON
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Loan Officer/Finance General Manager
Grooming Microfinance Institution
04.2016 - 09.2020
- I am primarily responsible for producing monthly reports, P&Ls, trading Balance sheet, working capital schedules and KPI's
- I must also mention that I am in charge of the day to day running of the office and have a team of eight staff working under me.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Submitted loan applications to underwriter for verification and recommendations.
- Examined customer loan applications for loan approvals and denials.
- Developed strong relationships with customers through high levels of customer service.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Ensured compliance with all federal and state regulations throughout the loan origination process.
- Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
- Conducted thorough credit analysis to minimize risk exposure for the financial institution.
- Improved loan processing efficiency by streamlining application procedures and documentation requirements.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
- Collaborated with other departments to promptly process loan applications.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Negotiated favorable loan terms with borrowers, increasing overall profitability for the company.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Continuously educated oneself on emerging industry trends, allowing for delivery of relevant guidance tailored to each client''s unique circumstances.
- Assisted customers with completing loan applications and other paperwork.
- Launched staff engagement, gender diversity and cultural programs in addition to robust reporting tool that increased operational quality.
- Reduced budgetary expenditures by effectively negotiating contracts for more advantageous terms.
- Tracked trends and suggested enhancements to both challenge and refine company's product offerings.
- Identified and qualified customer needs and negotiated and closed profitable projects with high success rate.
- Updated and resolved incidents and managed accessorial charges objectively while maximizing profit.
- Reported issues to higher management with great detail.
- Implemented business strategies, increasing revenue, and effectively targeting new markets.
- Managed purchasing, sales, marketing and customer account operations efficiently.
- Monitored daily cash discrepancies, inventory shrinkage and drive-off.
Education
Higher Diploma - Marketing Management
Institute of Transport And Management Technology
Nigeria 08.2013
Diploma - Secretarial Administration
Uniport Continuing Education Centre
Benin City Centre2005
Skills
- Database Management
- Relationship building and management
- Documentation Review
- Financial Advising
- Client Relations
- Customer service-focused
- Loan Servicing
- Loan Origination
- Cash Handling
- Team Player
Languages
English
Full Professional
Igbo
Full Professional
Cover Letter
Hiring Manager
Dear Sir,
With reference to your advertised vacancy for a Finance Manager, I would like to put my name forward and be considered for the position.
I have a track record of influencing decisions through the clear presentation of financial information.
Right now I am working for a leading Microfinance Institution as Finance/ General Manager I am primarily responsible for producing monthly reports, P&Ls, trading Balance sheet, working capital schedules and KPI's. I must also mention that I am in charge of the day to day running of the office and have a team of eight staff working under me.
I am comfortable juggling tasks to best manage my time to meet deadlines, and go out of my way to provide financial management support to colleagues. My key strengths include, but are not limited to;
- Managing all tax.
- Regulatory and compliance issues.
- Dealing effectively with delicate and important situations.
- Ensuring that all policies, procedures and methodologies are being followed.
Aside from my technical competencies, I have a strong appetite to succeed coupled with a willingness and readiness to support colleagues in difficulty.
I would greatly appreciate an opportunity to meet with you in person so we can further discuss in greater detail you requirements and my ability to meet them. I have therefore attached my most current resume with this letter and hope that after reading it you will call me in for an interview.
Thank you very much for your time.
Yours sincerely
Certification
Human Resources Management
Computer Knowledge
Excel , Microsoft word corl draw
Timeline
Loan Officer/Finance General Manager
Grooming Microfinance Institution
04.2016 - 09.2020
Higher Diploma - Marketing Management
Institute of Transport And Management Technology
Diploma - Secretarial Administration
Uniport Continuing Education Centre
Human Resources Management
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