MICHAEL CHRISTOPHER PHILLIP
Retired Banker
ST DAVID
Summary
Dynamic banking professional with over 30 years at Republic Bank (Grenada) Ltd, excelling in team leadership and strategic planning. Proven track record in operations management, enhancing credit processes, and driving business growth. Adept at decision-making, fostering strong client relationships, and leading high-performing teams to achieve organizational goals.
Overview
30
30
years of professional experience
1
1
Certification
Work History
Retail Credit Officer
Republic Bank (Grenada) Ltd
02.1994 - 04.1998
- Supported branch sales teams with accurate product knowledge and sales tools that enabled them to excel in selling retail credit products effectively.
- Played an instrumental role in crafting marketing campaigns targeted at specific consumer profiles which led to increased product uptake.
Commercial Credit Officer
Republic Bank (Grenada) Ltd
07.1998 - 09.2004
- Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
- 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.
- Organized and finalized loan applications for underwriter review.
Corporate Credit Analyst
Republic Bank (Grenada) Ltd
10.2004 - 05.2013
- Improved corporate credit decisions by conducting comprehensive financial analysis and risk assessments.
- Boosted efficiency by automating key aspects of the credit analysis process using advanced software tools.
- Maintained compliance with regulatory requirements through diligent documentation practices, minimizing legal risks associated with corporate lending activities.
- Assessed market conditions to provide valuable insights into the development of sales strategies for new business acquisition.
Commercial Credit Analyst
Republic Bank (Grenada) Ltd
06.2013 - 07.2019
- Collaborated with cross-functional teams to develop innovative credit products that met the unique needs of clients.
- Maintained a high level of expertise in credit analysis through ongoing education, certifications, and staying current with industry publications.
- Boosted efficiency in underwriting activities by developing comprehensive credit risk models and monitoring tools.
- Enhanced customer relationships through effective communication, timely responses, and providing tailored financial solutions.
Manager Small Business Unit
Republic Bank (Grenada) Ltd
07.2019 - 12.2023
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maximized performance by monitoring daily activities and mentoring team members.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
Senior Relief Officer
Republic Bank (Grenada)Ltd
01.2024 - 03.2024
- Established effective relationships with key stakeholders both internally and externally for increased collaboration opportunities.
- Mentored junior staff members, helping them develop their skills and advance in their careers.
- Improved department efficiency by streamlining and implementing policies and processes.
- Implemented process improvements that streamlined workflows, reducing redundancies and increasing operational efficiency.
Education
A' Level - ARTS
Grenada National College
Tanteen, St. George 05.2001 -
High School Diploma -
Westmorland Secondary School
Marrast Hill, S. George 05.2001 -
High School Diploma -
Presentation Brothers College
Old Fort, St. George06-1989
Skills
Team leadership
Accomplishments
Completed the following courses:
- Credit Analyst Techniques
- Effective Leadership
- Customer Service
- Supervisory Skills Training
- Credit Decision Formula
- Effective Management
Certification
DEAP- ECSC
Timeline
DEAP- ECSC
11-2024
Senior Relief Officer
Republic Bank (Grenada)Ltd
01.2024 - 03.2024
Manager Small Business Unit
Republic Bank (Grenada) Ltd
07.2019 - 12.2023
Commercial Credit Analyst
Republic Bank (Grenada) Ltd
06.2013 - 07.2019
Corporate Credit Analyst
Republic Bank (Grenada) Ltd
10.2004 - 05.2013
A' Level - ARTS
Grenada National College
05.2001 -
High School Diploma -
Westmorland Secondary School
05.2001 -
Commercial Credit Officer
Republic Bank (Grenada) Ltd
07.1998 - 09.2004
Retail Credit Officer
Republic Bank (Grenada) Ltd
02.1994 - 04.1998
High School Diploma -
Presentation Brothers College
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