Tashi Tenzin
Franklin,ACT
Summary
Highly skilled Credit Specialist with the know how to deliver complex, detailed information in terms that anyone can understand. A passionate worker with over 17 years of assisting clients by finding solutions to issues and investigating queries. Knowledgeable in all credit procedures. Bilingual individual with a strong financial background processing loan applications quickly and effectively.
Results-oriented Chief Credit Officer with exemplary financial analysis and communication skills. Respectful professional skilled assisting customers with loan portfolios by running credit applications and developing reports.
Experienced Head of Credit Department, knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths.
Overview
17
17
years of professional experience
Work History
Credit Specialist
Bank of Bhutan Limited
03.2023 - 12.2023
- Increased customer satisfaction, resolving disputes and offering payment solutions tailored to individual needs.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Reduced risk exposure by conducting thorough credit analyses for new and existing clients.
- Developed effective relationships with customers, which helped improve overall payment processes.
- Maintained accurate documentation of all credit-related activities, ensuring compliance with company policies and industry regulations.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Supported business growth through prudent assessment of potential client''s creditworthiness and financial stability.
- Mentored junior team members in developing their skills in credit analysis, negotiation techniques, and account management practices.
- Provided hands-on training in daily processes and job duties.
- Enhanced credit department efficiency by implementing streamlined processes and procedures.
- Optimized collections process, prioritizing high-risk accounts and strategizing appropriate actions.
- Collaborated with sales team to achieve revenue targets while maintaining credit risk within acceptable limits.
- Supported organizational change initiatives aimed at improving credit department capabilities and overall business performance.
- Conducted regular portfolio reviews to monitor performance trends and identify areas requiring proactive intervention.
- Actively participated in cross-functional projects aimed at enhancing overall business efficiency and performance.
- Developed strong relationships with external partners, such as banks and credit bureaus, to facilitate efficient information exchange.
- Provided insightful recommendations for continuous improvement of credit processes based on data-driven analysis.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Managed a diverse portfolio of clients spanning various industries, effectively balancing risk exposure across sectors.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Adhered to banking standards and government lending guidelines for loan services.
- Organized and finalized loan applications for underwriter review.
- Checked appraisals, title information and insurance documents for each property.
Chief Credit Officer
Bank of Bhutan Limited
03.2020 - 03.2023
- Achieved exceptional customer satisfaction scores through consistent delivery of high-quality service during the loan application process.
- Maintained a thorough understanding of relevant regulatory requirements, ensuring prompt implementation of necessary changes to policies and procedures.
- Developed comprehensive credit training programs, fostering a culture of continuous learning and improvement among staff members.
- Managed a diverse team of credit professionals, promoting collaboration and superior performance in achieving targets.
- Introduced advanced analytics tools and techniques to support data-driven decision making in the credit approval process.
- Streamlined workflow processes within the department, resulting in increased productivity levels and reduced turnaround times for loan applications.
- Played a pivotal role in supporting business growth by providing sound credit guidance and expertise during strategic planning sessions.
- Oversaw all aspects of commercial lending operations, ensuring regulatory compliance and adherence to internal policies.
- Collaborated with executive leadership to set strategic goals for the credit department, aligning with company objectives.
- Championed best practices in credit risk management throughout the organization, leading by example and providing expert guidance as needed.
- Optimized loan underwriting processes for improved efficiency and decision-making accuracy.
- Reduced delinquency rates through proactive portfolio monitoring and timely interventions.
- Enhanced overall credit quality by implementing robust risk management policies and procedures.
- Spearheaded cross-functional projects aimed at improving overall operational efficiency and effectiveness within the credit department.
- Established strong relationships with key stakeholders across business units, facilitating seamless communication and coordination for credit-related matters.
- Drove improvements in loss mitigation efforts through early identification of problem loans and effective workout strategies.
- Implemented regular portfolio reviews, identifying areas of risk exposure and developing appropriate mitigation strategies.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Adhered to banking standards and government lending guidelines for loan services.
- Organized and finalized loan applications for underwriter review.
- Checked appraisals, title information and insurance documents for each property.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Made decisions and recommendations about extending lines of credit.
- Negotiated payment plans and loan terms with delinquent customers.
- Complied with internal controls and government regulations.
- Detailed TOR Enclosed
Head of Credit Department
Bank of Bhutan
03.2016 - 03.2020
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
- Proven ability to learn quickly and adapt to new situations.
- Excellent communication skills, both verbal and written.
- Worked well in a team setting, providing support and guidance.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Passionate about learning and committed to continual improvement.
- Worked flexible hours across night, weekend, and holiday shifts.
- Managed time efficiently in order to complete all tasks within deadlines.
- Organized and detail-oriented with a strong work ethic.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Strengthened communication skills through regular interactions with others.
- Proved successful working within tight deadlines and a fast-paced environment.
- Developed and maintained courteous and effective working relationships.
- Demonstrated strong organizational and time management skills while managing multiple projects.
Credit Officer/ Banking Officer
Bank of Bhutan Limited
12.2006 - 03.2016
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Checked appraisals, title information and insurance documents for each property.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Trained new team members on company-specific processes, ensuring consistent standards across the credit department.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Supported business growth initiatives by assisting in the identification of new market opportunities for expansion within the credit sector.
- Mentored junior staff members in best practices related to credit analysis, instilling a culture of accuracy and diligence within the team.
- Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
- Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Negotiated favorable terms with clients for both secured and unsecured lending products, resulting in mutually beneficial agreements.
- Conducted in-depth industry research to identify potential risks or opportunities within specific sectors, informing credit portfolio management decisions.
- Worked with clients to define and implement terms for approved credit requests.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Managed account data and verified information with clients, past creditors and other involved parties.
- Prepared reports of findings and recommendations.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Maintained strict adherence to regulatory guidelines, minimizing compliance risks for the bank.
- Assisted clients with various banking needs including account openings, loan applications, and financial planning advice.
- Resolved complex customer issues efficiently, ensuring a positive experience for all parties involved.
- Analyzed customer profiles to identify appropriate products and provide value-added approaches to client issues.
- Identified opportunities for process improvement, implementing changes that led to increased productivity and cost savings.
- Played a critical role in driving successful audit results through diligent record-keeping practices.
- Handled large transaction volumes accurately, maintaining high levels of operational excellence within the branch.
- Worked closely with colleagues in other departments to ensure seamless delivery of integrated financial solutions for customers.
- Increased customer satisfaction by providing timely and accurate banking services.
- Consistently exceeded sales targets by identifying potential sales opportunities and cultivating strong client relationships.
- Improved branch performance through effective staff training and development initiatives.
- Actively worked to build branch credibility and develop relationships to increase community and industry visibility and overall profitability.
- Supported upper management with employee performance review and policy implementation.
- Analyzed market trends to inform strategic decision-making related to product offerings and pricing strategies.
- Identified customers with additional profit potential and designed action plans to expand relationships.
- Provided exceptional customer service, resulting in a high retention rate among existing clients.
- Developed strategies to grow client base and implemented appropriate sales plans to target prospective customers.
- Streamlined loan processing for improved efficiency and faster approvals.
- Collaborated with compliance department to eliminate procedural errors and margin breaks.
- Established key procedures for teams preparing documentation, models, and presentations.
- Met with clients to generate new business and negotiate contracts.
- Prepared employee documentation, routine evaluation measures and recommendations.
- Complied with established internal controls and policies.
- Developed strategic plans for day-to-day financial operations.
- Improved overall financial reporting by streamlining control processes and reporting structures.
Education
Professional Masters in Banking And Finance -
Asian Institute of Technology
Thailand12.2013
Bachelor of Commerce -
North Bengal University
India06.2006
Skills
- Telephone and email etiquette
- Effective Communication
- Documentation Review
- Loan Underwriting
- Credit analysis
- Cash Flow analysis
- Relationship Management
- Credit policy development
- Financial statement analysis
- Portfolio Management
- Credit Scoring
- Collateral Evaluation
- Loan application processing
- Operating Procedures
- Debt Restructuring
- Banking products knowledge
- Credit advising
- Credit data assessments
- Customer Relations
- Financial statement review
- Creditworthiness Determination
- Collateral risk
- Loan recommendations
- Risk Assessment
- Credit validations
- Documentation preparation
- Compliance reviews
- Documentation Management
- Application preparation
- Teamwork and Collaboration
- Problem-Solving
- Time Management
- Problem-solving abilities
- Multitasking Abilities
- Reliability
- Excellent Communication
- Organizational Skills
- Team Collaboration
- Adaptability and Flexibility
- Decision-Making
- Relationship Building
- Data Entry
- Self Motivation
- Interpersonal Skills
- Analytical Thinking
- Goal Setting
- Credit disputes
- Documentation And Reporting
- Continuous Improvement
- Appraisal review
- Written Communication
- Project Management
- Administrative Management
- Audit Support
- Loan Processing
- Business credit coordination
Timeline
Credit Specialist
Bank of Bhutan Limited
03.2023 - 12.2023
Chief Credit Officer
Bank of Bhutan Limited
03.2020 - 03.2023
Head of Credit Department
Bank of Bhutan
03.2016 - 03.2020
Credit Officer/ Banking Officer
Bank of Bhutan Limited
12.2006 - 03.2016
Professional Masters in Banking And Finance -
Asian Institute of Technology
Bachelor of Commerce -
North Bengal University
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