Vernessa Modeste
Castries,St. Lucia
Summary
Experienced financial professional with expertise in loan origination, credit analysis, and customer relationship management across both banking and credit union sectors. Skilled at building lasting relationships, matching financial products to client needs, and supporting credit compliance. Proven track record of exceeding loan production targets and delivering tailored financial solutions to diverse client bases.
Overview
18
18
years of professional experience
Work History
Loans Officer
Mon Repos Eastern Co-operative Credit Union
10.2022 - 01.2025
- Interviewed members and obtained all necessary documentation needed for effective decision making according to the credit union policies and procedures and in compliance with local law
- Completed all relevant loan and collateral forms and forwarded to Branch Manager or Credit Committee for approval within a reasonable time frame, allowing for timely decisions to meet members’ needs
- Conducted financial counseling to members recommending appropriate credit union products to meet their needs
Relationship Manager-Financial Solutions
RBC Royal Bank of Canada
11.2018 - 04.2021
- Managed portfolios of high-net-worth clients, ensuring tailored financial solutions and meeting individual needs
- Developed and maintained productive relationships with clients through clear communication, collaboration with various departments and personalized service
- Consistently used persuasive sales strategies to secure clients’ buy-in, resulting in a steady year-over year increase in new business
- Assisted customers with account updates, fund transfers, and product enrollment to enhance satisfaction
- Networked with business leaders and RBC partners to identify business opportunities and obtain referrals
Senior Account Manager
RBC Royal Bank of Canada formerly RBTT Caribbean Limited
08.2009 - 10.2018
- Presented compelling sales pitches to clients and business associates, directly driving revenue growth and surpassing sales targets
- Built and nurtured long-lasting relationships with existing and potential clients, expertly identifying their needs and delivering tailored solutions that maximize customer satisfaction and business success
- Executed 30+ strategic cold calls per week, consistently securing new clients and achieving a high conversion rate to increase market presence
Securities & Disbursement Officer
RBTT Bank Caribbean Limited
08.2006 - 08.2009
- Thoroughly reviewed loan files to ensure securities were in compliance with regulations prior to disbursement, ensuring accuracy and adherence to financial compliance
- Efficiently input all securities in the system setting precise due and reminder dates to streamline tracking and compliance
- Proactively monitored securities, such as insurance policies, ensuring timely follow-ups and renewals to maintain uninterrupted coverage
- Compiled and finalized reports within strict deadlines, delivering accurate and well-organized documentation to aid in financial decision making
- Provided support to lending officers, ensuring securities held against advances were properly managed and in compliance with institutional policies
- Maintained a meticulously organized and up-to-date filing system for all security items, guaranteeing easy access and compliance with record-keeping standards
- Oversaw the safekeeping of pro-notes, combination envelopes, and other non-negotiable items, acting as a reliable custodian of critical financial assets
Education
Certificate - Risk Management
University of The West Indies-Open Campus
06-2023
Bachelor of Science (BSc) - Business Management (Hons)
University of The West Indies – Distance Learning
09-2006
Associate Degree - Business Studies
Sir Arthur Lewis Community College
09-1995
Skills
- Client consultation for loans
- Credit risk management
- Financial advising
- Client portfolio management
- Effective sales techniques
- Effective pipeline management
- Effective collaboration skills
- Critical problem solver
- Customer engagement expertise
- Proficient in prioritizing tasks to meet deadlines
Timeline
Loans Officer
Mon Repos Eastern Co-operative Credit Union
10.2022 - 01.2025
Relationship Manager-Financial Solutions
RBC Royal Bank of Canada
11.2018 - 04.2021
Senior Account Manager
RBC Royal Bank of Canada formerly RBTT Caribbean Limited
08.2009 - 10.2018
Securities & Disbursement Officer
RBTT Bank Caribbean Limited
08.2006 - 08.2009
Certificate - Risk Management
University of The West Indies-Open Campus
Bachelor of Science (BSc) - Business Management (Hons)
University of The West Indies – Distance Learning
Associate Degree - Business Studies
Sir Arthur Lewis Community College
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