Melissa Mewett
Summary
Professional in financial services with focus on credit assessment and risk evaluation. Known for strong analytical skills, effective problem-solving, and ability to adapt to changing needs. Highly collaborative with results-driven mindset, ensuring reliability and successful outcomes. Skilled in data analysis, customer interaction, and decision-making processes.
Overview
20
20
years of professional experience
Work History
Credit Assessment Contact
People First Bank
08.2021 - 11.2024
- Managed relationships with key clients, proactively addressing any concerns regarding their credit standing or loan terms.
- Developed comprehensive credit policies, ensuring compliance with regulatory guidelines and industry best practices.
- Enhanced team productivity by providing training on advanced credit assessment tools and technologies.
- Participated in cross-functional projects aimed at enhancing the organization''s overall risk management capabilities.
- Improved credit assessment accuracy by implementing a thorough review process for loan applications.
- Reduced delinquency rates with diligent risk analysis and borrower profiling.
- Contributed to business growth by supporting the development of new lending products tailored to specific market segments.
- Consistently met or exceeded monthly performance targets related to timely completion of assessments and quality of work produced.
- Played a pivotal role in shaping corporate lending policies through rigorous research, case studies, and benchmarking of industry best practices.
- Streamlined the credit evaluation process for enhanced efficiency and faster decisionmaking.
- Performed in-depth financial statement analysis to accurately assess borrower repayment capacity.
- Designed customized lending solutions that catered specifically to clients' unique financial needs and credit profiles, contributing to increased customer satisfaction.
- Spearheaded initiatives focused on improving collaboration between underwriting departments for better alignment in risk appetite strategies.
- Collaborated with sales teams to optimize customer acquisition strategies while maintaining acceptable risk levels.
- Provided guidance to junior analysts on complex cases, sharing expertise and fostering professional growth within the team.
- Assisted in accounts receivable, cash receipts and collections and daily deposits.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Made decisions and recommendations about extending lines of credit.
- Improved understanding of financial statements, which helped in assessing risk.
Senior Member Relationship Consultant
People First Bank
09.2004 - 08.2021
- Evaluated client needs and expectations, establishing clear goals for each consulting engagement.
- Liaised with customers, management, and sales team to better understand customer needs and recommend appropriate solutions.
- Collaborated with cross-functional teams to successfully deliver comprehensive solutions for clients.
- Managed client relationships through regular check-ins and updates on project progress.
- Enhanced communication among team members to foster collaborative and supportive work environment.
- Developed innovative strategies for clients, resulting in increased revenue and business growth.
- Streamlined internal processes to enhance team efficiency and improve overall project outcomes.
- Developed and maintained strong client relationships, ensuring high levels of satisfaction and repeat business.
- Streamlined communication processes for clients, enabling more effective collaboration and decision-making.
- Educated clients on various lending products available, helping them make informed decisions that best suited their financial goals.
- Developed strong relationships with clients, fostering trust and loyalty to maintain a high retention rate of satisfied customers.
- Resolved customer complaints promptly and professionally, resulting in increased satisfaction rates among borrowers.
- Exceeded monthly lending targets consistently, demonstrating strong sales acumen and commitment to organizational objectives.
- Managed a diverse portfolio of loans across various sectors, demonstrating versatility and adaptability within the lending specialist role.
- Assisted colleagues in managing complex loan applications, expediting processing time and ensuring timely approvals.
- Enhanced loan application approval rates by conducting thorough credit analyses and evaluating borrower''s financial status.
- Implemented risk mitigation strategies during loan evaluation processes, safeguarding the institution''s interests and minimizing potential losses.
- Achieved higher loan approval ratings through effective collaboration with cross-functional teams such as underwriters, processors, and closers.
- Improved customer satisfaction by delivering personalized loan consultation services tailored to individual financial needs.
- Conducted regular training sessions for junior staff members, imparting valuable industry insight and improving overall team efficiency.
- Optimized internal communication channels between departments, facilitating faster loan processing times and improved accuracy in documentation handling.
- Monitored loan performance within assigned portfolio, proactively addressing potential issues to maintain profitability and minimize delinquency rates.
- Maximized revenue generation by identifying opportunities for upselling or cross-selling additional financial products during client interactions.
- Negotiated favourable loan terms for clients by leveraging strong understanding of market trends and competitor offerings.
- Provided exceptional customer service by addressing client inquiries promptly and professionally.
- Streamlined the lending process for clients, guiding them through document preparation and submission requirements.
- Participated in ongoing training programs to enhance professional skills and stay current with industry best practices.
- Maintained up-to-date knowledge of industry regulations and compliance standards, ensuring accurate and legally compliant lending practices.
- Monitored pipelines to track and log status of loans.
- Processed loan applications and monitored progress from start to finish.
- Developed and maintained relationships with customers, lenders and other third parties.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Assisted customers with completing loan applications and other paperwork.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Explained very technical financial information to applicants in easy to understand language.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Proactively identified solutions for customers experiencing credit issues.
- Delivered quality service with remarkable efficiency by skillfully overseeing daily branch operations.
- Managed branch vault and cash supply to keep appropriate level of currency on hand.
- Trained staff in bank products, operations procedures and successful sales strategies.
- Processed customers' deposits, transfers and cash withdrawals.
- Enhanced customer satisfaction by promptly addressing inquiries and resolving issues.
- Cross-sold products such as consumer loans by listening to customers and understanding needs and taught staff to implement similar processes in every interaction.
- Oversaw daily branch preparations to consistently open on-time and maintain readiness to serve customers' needs.
- Coached staff to improve efficiency and revenue with more effective procedures and approaches.
- Helped customers effectively navigate bank technology such as kiosks and mobile access to reduce common questions and unprofitable interactions.
- Delegated tasks appropriately among staff members, optimizing workload distribution for maximum productivity levels within the branch team.
- Oversaw daily branch operations, maintaining a well-organized and efficient work environment for staff members.
- Managed teller line operations, ensuring accurate cash handling procedures were followed at all times.
- Assisted in the development of marketing campaigns to attract new customers while retaining existing clientele.
- Improved branch team performance by conducting regular training sessions on product knowledge and sales techniques.
- Built strong relationships with clients by providing exceptional service and personalized financial advice.
- Continuously updated knowledge of banking products and services, ensuring accurate and current information was provided to clients during consultations.
- Collaborated with other departments to ensure seamless delivery of services, improving overall customer experience.
- Increased account openings by effectively promoting bank products and services tailored to individual client needs.
- Delivered prompt service to prioritize customer needs.
- Exhibited high energy and professionalism when dealing with clients and staff.
- Met customer call guidelines for service levels, handle time and productivity.
- Educated customers about billing, payment processing and support policies and procedures.
- Responded proactively and positively to rapid change.
- Developed highly empathetic client relationships and earned reputation for exceeding service standard goals.
Skills
- Loan underwriting
- Payment processing
- Credit analysis
- Excellent communication
- Reliability
- Relationship building
- Risk assessment
- Relationship management
- Credit decisions
- Multitasking Abilities
- Attention to detail
- Customer service
- Teamwork and collaboration
- Financial risk assessment
Timeline
Credit Assessment Contact
People First Bank
08.2021 - 11.2024
Senior Member Relationship Consultant
People First Bank
09.2004 - 08.2021
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