Elleston Alexander Welsh

• Own, operate, and manage a children's rides/games business.
• Procure and maintain the business assets.
• Manage cash flow and maintain records of income and expenses.
• Formed and sustained strategic relationships with clients and other business owners.

NB: Business is currently being reorganized and will be relaunched in December 2024.

• Review and analyze Due Diligence Reports for CBI Applicants.
• Review and scrutinize documents submitted with each application, ensuring their legitimacy and compliance with standards.
• Prepare reports on findings and make appropriate recommendations based on findings.
• Liaise with agents of Due Diligence Companies when necessary to resolve any report discrepancy and/or concerns.
• Review reports of Junior Vetting Officers and make recommendations as needed.
• Collaborate with other departments and staff members to ensure that the unit's objectives are met according to standards.

• Recommended approval or disapproval of different loan types based on established criteria.
• Trained rookie credit staff in application processing, credit analysis and loan disbursement to detect and curb fraud.
• Followed banking requirements and government lending regulations.
• Examined collateral to establish market value and assessed repayment capacity using revenue sources before loan approval.
• Assessed property and vehicle appraisals, title histories, and insurance information.
• Submitted delinquent accounts to collections department or outside resources.

• Balanced cash and credit transactions nightly and reset register for next day's operations.
• Handled night audit paperwork, verification of daily room occupancy and hotel revenue reviews.
• Managed late check-ins and provided information on hotel amenities, including dining establishments, spa hours and room service.
• Ran end-of-day computer functions and closed out reports, submitting details to Accounts Manager for review.

• Offered every customer exceptional service by remaining friendly and professional during each and every transaction.
• Leveraged customer service and sales abilities to consistently meet performance goals.
• Received customer queries and complaints with the expressed responsibility to satisfy them in a timely manner.
• Prepared official checks for customer and internal bank needs.
• Supervised the staff tasked with carrying out the duties of the department.

• Supervised the department's operation.
• Maintained the files of both deposit and credit customers.
• Maintained files on collateral pledged on loan/credit accounts.
• Prepared reports for review by senior management.
• Liaised with solicitors, government departments, and other essential partners for the exchange of information, with the aim of meeting and maintaining the required industry and governmental standards.

• Adhered to confidentiality rules and guidelines when interviewing others.
• Conducted structured interviews of credit applicants.
• Prepared and submitted the reports with appropriate recommendations.
• Prepared documents for loan closings.

• Strictly adhered to confidentiality protocol regarding client information and documents.
• Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
• Liaised between borrowers and realtors, title companies and loan company management.
• Checked applicant credit, personal references and employment histories.

• Greeted and served customers in a friendly and efficient manner.
• Served customers while maintaining confidentiality of theirs and the bank's records.
• Accepted and processed deposits, and provided the appropriate receipts.
• Ensured that accounts were balanced daily.
• Provided other services to customers, such as account inquiries, foreign currency transactions, deposit and cheque book purchases, loan information, etc.
• Researched and satisfied customer queries on account balances and discrepancies.