NATASHA HUGGINS
Charlotte
Summary
Motivated and experienced professional with a proven track record in developing creative solutions and implementing objective decision-making. Positive attitude and strong focus on building team relationships have been instrumental in capturing numerous accounts and expanding client base. Possessing excellent interpersonal, analytical, and organizational skills, excels within highly competitive environments where leadership is the key to success. Excited and motivated to help customers build successful financial futures.
Overview
25
25
years of professional experience
Work History
Senior Credit Officer
First Citizens Bank Trinidad and Tobago
06.2016 - Current
- Manages high volume lending department with a portfolio of over $100M
- Team lead with responsibility for the growth of the lending department loan portfolio
- Supervises the loans team and develops them through coaching and mentoring
- Provides input in regards to the Bank’s annual budget, marketing strategies and plans
- Market the Bank's products and services to create new business opportunities by conducting interviews and group presentations for individuals and businesses
- Interview, process and close requests from commercial and personal customers for credit card facilities overdraft facilities, personal loans, commercial loans, mortgages and bridging loans
- Counsel high net-worth individuals and corporate clients with regard to investment opportunities, risk analysis, and monetary returns
- Participate in community events to position the bank as a leader within the territory
- Perform credit scoring and loan disbursement activities as required
- Follow up on delinquent accounts and take action to ensure the regularization of the delinquency
- Perform credit reviews on accounts assigned
- Perform financial and credit analyses on personal loans and overdraft applications and prepare written proposals
- Ensure perfection of security items in accordance with loan approvals
- Approves loans within lending limit guidelines
- Prepares weekly monthly and quarterly management reports as needed
Senior Personal Banking Representative -Operations
Clico Investment Bank Ltd - Tobago
02.2007 - 01.2009
- Collect on delinquent accounts by implementing payment schedules
- Supervised three departments: Fixed Deposits, Forex/Trust and Asset Management/Adventure Capital Investments
- Conducted Bi-yearly performance appraisals for staff under my purview
- Assisted in drafting several major Branch operating policies and procedures
- Ensured that all transactions were accurate and done within approved time frames
- Reported and analyzed variances in operations and implemented corrective actions
- Provided input for development of annual budget
- Prepared monthly Branch performance and Marketing reports
- Ensured that all transactions were accurate and done within approved time frames
Graduate Assistant to Dean Melany Pearl
Liberty University – Virginia USA
01.2004 - 05.2004
- Assist Dean with preparing President’s report
- Writing grant proposal for program funding
- Assist Dean with resolving student issues
- Organize and assist with other programs and services offered
Internet Order Associate
J.Crew – Virginia USA
11.1999 - 10.2003
- Received thorough training in customer relations, proper phone etiquette and sales techniques
- Resolved customer queries and problems in a timely and efficient manner
- Provided internet technical customer support and entered data for inbound calls
- Responded to incoming emails received from customers
Education
Bachelor of Science - Business Management, Psychology
Liberty University
Lynchburg, Va05.2004
Skills
- Credit Risk Assessment
- Financial Planning Specialist
- Investment Fund Expertise
- Customer-Centric Approach
- Strong Verbal Communicator
- Consistently Dependable
- Meticulous Attention To Detail
- Positive Attitude
- Strong Time Management
- Data Analysis
- Document Analysis
- Cash Flow Management
- Credit scoring models
- Loan structuring
References
References available upon request
Accomplishments
- Received merit reward and commendation for quality of loans booked
- Originated over $10,000,000 in personal volume through professional networking, loan reviews and marketing for financial year2016/2017
Timeline
Senior Credit Officer
First Citizens Bank Trinidad and Tobago
06.2016 - Current
Senior Personal Banking Representative -Operations
Clico Investment Bank Ltd - Tobago
02.2007 - 01.2009
Graduate Assistant to Dean Melany Pearl
Liberty University – Virginia USA
01.2004 - 05.2004
Internet Order Associate
J.Crew – Virginia USA
11.1999 - 10.2003
Bachelor of Science - Business Management, Psychology
Liberty University
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