TEKIRA RAMOON
Grand Cayman,Cayman Islands
Summary
Highly motivated Lending Officer with over 14 years' experience and a comprehensive knowledge of mortgage and personal loan lending practices. Strong technical skills in building a client base and collaborating with stakeholders to improve service delivery and ensure client satisfaction to maintain relations. Committed to working with clients to achieve their financial goals through strategic loan management.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Personal Lending Officer - Retail Banking
Butterfield Bank (Cayman) Limited
02.2019 - Current
- Meet with clients to formulate personalized loan solutions to meet individual client needs
- Prepare credit applications for new mortgage and personal loan proposals
- Analyse financial and non-financial information to assess overall credit risk and make recommendations to Managers
- Liaise with Credit Risk Management to ensure smooth completion of documentation and the perfection of security for on time closing
- Effectively use the delegated sanctioning authority provided by the Senior Manager
- Liaise with investment services, credit services and online banking services to cross sell products and services
- Liaise with the Collections Officer and the Bank's debt collection agency on delinquent accounts, as directed by the Senior Manager, Personal Lending, to minimise loss
- Contribute to the Personal Lending team's specific business development and sales targets
- Establish, develop and maintain client relationships to effectively retain business
- Develop superior personal and telephone customer relationship management
Relationship Manager - Corporate Banking
Butterfield Bank (Cayman) Limited
04.2010 - 01.2019
- Coordinated new credit facilities requested for corporate products
- Maintained contact with Corporate Banking clients, coordinating the resources and activities of other partner areas to ensure timely and accurate delivery of products and services
- Reviewed Corporate Banking account relationships to determine banking needs of clients and identified bank products and services
- Provided financial relationship management to high net worth Corporate Banking clients
- Liaised with investment services, credit services and online banking services to cross-sell products and services
- Researched and developed client referral sources, initiating contact with prospects to promote and sell the Bank's products and services
- Contributed to the Corporate Team's specific business development and sales targets
- Establish, develop and maintain client relationships to effectively retain business
- Developed superior personal and telephone customer relationship management
Relationship Officer
Butterfield Bank (Cayman) Limited
07.2009 - 04.2010
Learning and Development Administrator
Butterfield Bank (Cayman) Limited
06.2008 - 08.2008
Credit Administrator
Butterfield Bank (Cayman) Limited
01.2004 - 08.2007
Education
Bachelor of Science - Business Administration
Barry University
Miami, Florida01.2009
Skills
- Effective Oral and Written Communications
- Loan Processing
- Financial Analysis
- Customer Relations
- Regulatory Knowledge
- Organisation and Prioritisation
- Loans
- Relationship Management
- Banking
- Customer Relationship Management
- Credit History Review
- Risk Mitigation
- Critical Thinking
- Eligibility Determination
Certification
Business Lending Fundamentals, The Omega Performance Corporation, 2016
References
Available upon request
Timeline
Personal Lending Officer - Retail Banking
Butterfield Bank (Cayman) Limited
02.2019 - Current
Relationship Manager - Corporate Banking
Butterfield Bank (Cayman) Limited
04.2010 - 01.2019
Relationship Officer
Butterfield Bank (Cayman) Limited
07.2009 - 04.2010
Learning and Development Administrator
Butterfield Bank (Cayman) Limited
06.2008 - 08.2008
Credit Administrator
Butterfield Bank (Cayman) Limited
01.2004 - 08.2007
Bachelor of Science - Business Administration
Barry University