EBERNIE WHYTE-BEST
St. George
Summary
My objective is to successfully obtain the position of Executive Manager, Credit Administration at Grenada Co- operative Bank Limited and to effectively execute the core functions of the position to improve the performance of the organization and advance my career.
Dedicated banking professional with a history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Manager, Business Banking
Grenada Co-operative Bank Limited
06.2021 - Current
- Review commercial/ business loan applications completed by the Relationship Managers for adjudication by Credit Administration, Credit Committee and the Board.
- Assist in the assessment and preparation of complex commercial/ business loan applications as necessary.
- Manage and motivate 13 employees including 7 Relationship Managers, 2 Administrative Assistants, 2 Customer Service Support Officers and a Credit Analyst to be productive and engaged in work.
- Manage the Bank's Commercial and Small Business loan portfolio of approximately $500M and led the increase in the portfolio by circa $83K, surpassing the department's target of $68M.
- Participate in the corporate strategic planning process.
- Define individual performance goals with the Business Banking Unit’s Staff.
- Communicate action plan to implement the Bank’s strategic initiatives, policies and procedures.
- Regularly evaluate performance, coach and counsel employees so as to improve performance.
- Coordinate and execute meetings or huddles with the Business Banking Unit’s staff.
- Prepare the Business Banking Unit’s budget (fixed assets and staff) and control administrative expenses based on budget.
- Submit reports to the relevant authority based on schedule.
- Administer and monitor the Bank’s portfolio of Contingent Liabilities.
- Plan and schedule vacation of Business Bank Unit’s staff.
- Monitor staff to ensure compliance with the Bank’s policies and procedures.
- Monitor performance, prepare reports to the Executive Manager on sales, service and operations based on strategic planning.
- Monitor performance of liability and asset portfolio against budget and goals.
- Liaise and coordinate with other dept/units and suppliers to ensure the smooth operations of the Unit
Relationship Manager, Business Banking
Grenada Co-operative Bank Limited
01.2010 - 06.2021
- Manage a loan portfolio of over EC$100M
- Conduct meetings with clients, including interim and annual reviews, to assess business performance and needs, identify product opportunities and propose customized solutions
- Assist customers with needs such as account queries, opening accounts, depositing or transferring funds, updating account details and signing up for new services
- Build and maintain relationships with new and existing clients while providing a high level of expertise and excellent customer service
- Explore and prospect opportunities to onboard new clients and deepen wallet share within existing relationships
- Analyze financial statements and other documents pertaining to clients' financial position and creditworthiness
- Underwrite applications for adjudication by management, Credit Committee and the Board
- Sanctioned/rejected applications and authorized payments within delegated limits
- Establish professional relationships with colleagues and service providers (lawyers, Accountants etc.) to facilitate smooth and fast workflows and keep communication lines open
- Train and provide ongoing coaching to the existing staff in Business Banking as the most experienced team member
- Chair weekly team meetings which focus on driving sales and containing loan delinquency
- Assist with the development of the Business Banking Model as the Champion
- Assist with responses to audit and ECCB reports on non-compliant issues relating to the Business Banking loan portfolio
- Prepare periodic reports on the performance of the loan portfolio to assist in decision making
- Assisted with the management of risk through the completion of the initial risk register in consultation with the Business Banking and Risk teams
Officer In Charge, Business Banking
Grenada Co-operative Bank Limited
01.2020 - 12.2020
- Supervised the Business Banking team in the absence of the Executive Manager, Sales and Service
- Reviewed loan applications and requests from the team to executive management for consideration
- Reviewed requests for loan disbursements and disbursement exceptions and made recommendations as necessary
- Monitored staff performance to ensure compliance with the Bank's policies and procedures
- Resolved customers' complaints
- Coordinated and executed meetings or huddles with the Business Banking Unit's staff
- Liaised and coordinated with other dept/units and suppliers to ensure the smooth operations of the Unit and the Bank as a whole
- Monitored the sales pipeline with the team to ensure the progression of leads
- Overseeing the completion of reports (watchlist, contingent liabilities etc.)
- Managed the team vacation and paternity leave
Loans Officer
Grenada Co-operative Bank Limited
01.2006 - 01.2010
- Managed and monitored loan portfolio
- Interviewed customers
- Respond to customers' queries
- Underwrite customers' loan applications
- Trained new Loans Officers
Teller
Grenada Co-operative Bank Limited
01.2001 - 01.2006
- Performed customer transactions for money orders, cashiers cheques, deposits and withdrawals accurately and efficiently
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates
- Recognized needs and referred customers to the appropriate representatives or lines of business for cross-sell or service opportunities
- Trained new Tellers
Education
Chartered Banker MBA -
Bangor University
01.2015
Associates Degree - Business Management, Accounting, Economics, Sociology
T.A fvarryshow Community College
01.2000
Skills
- Analytical
- Leadership
- Problem Solving
- Communication
- Customer Service
- Organisational & Time Management
- Selling
- Interpersonal
- People Management
- Business Acumen
Certification
- Commercial Loans to Small Business, Omega Performance Corporation, 2017
- Mortgage Underwriting Certification, REICS, 2014
- Certified Credit Professional, Jamaica Institute of Professional Services, 2010
- Credit Appraisal Technique I & II, Crown Agents, 2008-2009
- AICB Designation, Institute of Canadian Bankers, 2005
Accomplishments
- Outstanding Employee of the Year 2005
- Outstanding Employee of the Year 2012
- Outstanding Employee of the Year 2013
- Outstanding Employee of the Year 2015
References
- Richard W. Duncan 473 407 4424
Personal Information
- Date of Birth: 05/07/82
- Nationality: Grenadian
Timeline
Manager, Business Banking
Grenada Co-operative Bank Limited
06.2021 - Current
Officer In Charge, Business Banking
Grenada Co-operative Bank Limited
01.2020 - 12.2020
Relationship Manager, Business Banking
Grenada Co-operative Bank Limited
01.2010 - 06.2021
Loans Officer
Grenada Co-operative Bank Limited
01.2006 - 01.2010
Teller
Grenada Co-operative Bank Limited
01.2001 - 01.2006
Associates Degree - Business Management, Accounting, Economics, Sociology
T.A fvarryshow Community College
Chartered Banker MBA -
Bangor University
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