SADIA JEBA
North York
Summary
Dynamic financial professional with a proven track record in assessing and approving loan applications while ensuring strict compliance with company policies and regulations. Expertise in financial analysis and a strong commitment to exceptional customer service consistently elevate service standards. Equipped with advanced analytical skills to interpret and organize large data sets, along with deep technical knowledge of banking software and Excel tools, positioning for advancement into senior-level roles within innovative, growth-oriented organizations. A results-driven mindset fosters continuous improvement and strategic decision-making in fast-paced environments.
Overview
13
13
years of professional experience
Work History
Lending Specialist
DUCA Credit Union
07.2020 - Current
- Evaluated loan applications for secured and unsecured products to ensure compliance with credit policies and regulations.
- Provided expert guidance on lending products to enhance member engagement and satisfaction.
- Processed loan disbursements efficiently, maintaining accuracy in documentation and record-keeping.
- Collaborated with cross-functional teams to streamline lending processes for improved service delivery.
- Provided training and support to junior staff on operational processes and procedures.
- Analyzed loan data to identify trends and improve lending practices.
- Advanced my expertise with latest mortgage industry knowledge, B20, B21 and Anti-Money Laundering Legislations and market trends.
- Processed Loan application and fulfillment for all type of mortgages including HELOC and Unsecured LOC, RRSP loans , Car loans, Student Loan.
Member Connect Representative
DUCA Credit Union
06.2019 - 07.2020
- Provide an exceptional Member experience on inbound and outbound calls, chat, and emails
- Contribute to the team goals by identifying all cross-sell opportunities to retain and grow the business by offering Members a full range of products and services to meet their needs via the telephone, email and webchat.
- Assist Members with setting up on-line banking options and accurately process transactions on Member accounts within authorized limits.
- Meet cross-sell, and productivity targets.
- Attract potential Members by answering product and service questions and suggesting information about other products and services.
- Respond to Member inquiries and feedback knowledgeably and professionally.
Subject matter expert- Credit Card collections
Citizens Bank, Vendor Gatestone &Co.
04.2018 - 06.2019
- Maintain the rule and regulation of Citizens Bank.
- High volume inbound and outbound phone calls.
- Assist agents with the system navigation and coaching on calls with live customers on the calls.
- Verify Settlement on delinquent accounts and assist customer on credit reporting and tax
- Follow federal and state laws dealing with debt collection.
- Receive payments and post amounts paid to customer accounts.
- Ensure all customer information is correct, including phone numbers and addresses.
- Set up repayment plans and new terms of sale.
- Offer advice or refer customers to debt counselors.
- Send statements of delinquencies to credit bureau.
- Initiate repossession proceedings or hand over account to law practice that specializes in debt collection.
- Report satisfied debts to credit bureaus.
- Follow federal and state laws dealing with debt collection.
Subject matter expert- Business Lending and consumer accounts
Bank of America Vendor Gatestone &Co.
02.2017 - 04.2018
- Outbound calling strategy and Collect payments on past due bills.
- Locate customers using credit bureau information, background checks, loan documents, and other paperwork or databases.
- Call customers using telephone.
- Utilize computer systems to handle skip tracing.
- Inform clients of overdue accounts and amount currently owed. Attempt to collect payment.
Business Lending and Consumer Collection (Inbound)
Bank of America, Vendor Gatestone &Co.
06.2015 - 10.2016
- Successfully complete company’s training and certifications.
- Achieved required score on FDCPA test and Maintain Debt Collector established performance standards.
- Maintained productivity measures put in place to monitor dollars collected or Debt Collector effectiveness
- Communicate effectively and in a professional manner and negotiate (i.e. ability to use full and complete information to negotiate best arrangement).
- Worked in a team environment and Detailed oriented.
- Ability to refer to policy and procedures when applying information and making decisions.
Outbound Consumer Collections
Bank of America, Vendor Gatestone &Co.
03.2015 - 06.2015
- Collection of delinquent accounts.
- High volume outbound phone calls.
- Following all required FDCPA and HIPAA regulations and system procedures.
- Maintaining a working knowledge of client policies and procedures.
- Maintaining acceptable call quality as determined by Management staff.
Full time Manager (Franchise restaurant)
Symposium Café Restaurant and Lounge
06.2014 - 03.2015
- Responsible for maintaining the standard of operations
- Control labour and inventory
- Control supplier ordering
- Ordering BEER and liquor
- Insure 100% Guest satisfaction
- Schedule the FOH and BOH employees
Full time Manager (Franchise restaurant)
St Louis Bar and Grill
01.2014 - 06.2014
- Accomplishments performed all transactions in a cordial, efficient and professional manner.
- Made and served drinks to guests and cocktail servers following established guidelines, procedures and policies.
- Maintained contact with kitchen staff, management, serving staff and customers.
St Louis Bar and Grill
09.2012 - 01.2014
- Maintained a professional tone at all times, including during peak rush hours.
- Assisted servers and dining room hosts and quickly responded to guests’ needs.
- Completed opening and closing checklists according to set standards
- Delivered fast and standard service in an friendly environment
- Delivered exceptional service by greeting and serving customers in a timely, friendly manner.
- Hired and trained staff of 15 front of the house employees
Education
Master of Science - Engineering
University of Windsor
Windsor, Ontario06.2014
Bachelor of Science - Engineering
University of Windsor
Windsor, ON06.2011
Skills
- Consistent work ethic
- Effective communication
- Documentation review
- Credit analysis
- Loan origination
- Debt restructuring
- Teamwork and collaboration
- Problem-solving
- Attention to detail
- Leadership skills
- Problem-solving abilities
- Multitasking Abilities
- Decision-making
- Oral and written comprehension
- Analytical and critical thinking
Languages
English
Full Professional
Spanish
Elementary
Timeline
Lending Specialist
DUCA Credit Union
07.2020 - Current
Member Connect Representative
DUCA Credit Union
06.2019 - 07.2020
Subject matter expert- Credit Card collections
Citizens Bank, Vendor Gatestone &Co.
04.2018 - 06.2019
Subject matter expert- Business Lending and consumer accounts
Bank of America Vendor Gatestone &Co.
02.2017 - 04.2018
Business Lending and Consumer Collection (Inbound)
Bank of America, Vendor Gatestone &Co.
06.2015 - 10.2016
Outbound Consumer Collections
Bank of America, Vendor Gatestone &Co.
03.2015 - 06.2015
Full time Manager (Franchise restaurant)
Symposium Café Restaurant and Lounge
06.2014 - 03.2015
Full time Manager (Franchise restaurant)
St Louis Bar and Grill
01.2014 - 06.2014
St Louis Bar and Grill
09.2012 - 01.2014
Master of Science - Engineering
University of Windsor
Bachelor of Science - Engineering
University of Windsor