Taciana De Rosa Alves Boavida

Responsibility.

• Customer service at the counter, offering information on account initiation and banking products.
• The personal loans sector involves obtaining credit documentation, evaluating credit proposals, submitting them for approval, and ultimately drafting a credit agreement.
• 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.
• Implemented robust monitoring systems to track performance metrics of existing loans, identifying areas requiring attention or intervention.
• Checked appraisals, title information and insurance documents for each property.
• Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
• Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
• Supported business growth initiatives by assisting in the identification of new market opportunities for expansion within the credit sector.
• Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
• Collaborated with management to evaluate credit strategies and develop improvements.
• Worked with clients to define and implement terms for approved credit requests.
• Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Developed strong relationships with clients through regular communication and excellent customer service.
• Verified application and account details to accurately asses credit and financial risks of potential clients.
• Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
• Trained new team members on company-specific processes, ensuring consistent standards across the credit department.
• Negotiated favorable terms with clients for both secured and unsecured lending products, resulting in mutually beneficial agreements.
• Used [Software] and [Software] to perform credit appraisals, document verification and loan approvals.
• Collaborated closely with underwriting teams to ensure a seamless process from application submission to loan disbursement for clients.
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Managed a diverse portfolio of commercial loans, maintaining strong client relationships while mitigating risk exposure for the organization.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
• Reviewed and verified income, credit reports and employment histories for each borrower.
• Streamlined loan approval processes with the development of standardized credit policies and procedures.
• Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.
• Recommended approval or disapproval of commercial, real estate or credit loans.
• Assisted in the development and implementation of new software tools for improved efficiency and accuracy in the credit assessment process.
• Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
• Monitored client abilities and account information to determine appropriate credit approval decisions.
• Prepared reports of findings and recommendations.
• Monitored accounts for signs of fraud and non-payment issues.
• Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
• Updated client accounts with new information and verified data for informed credit approvals.
• Attended ongoing professional training to facilitate accurate and productive credit management.