Timothy Willems
Willemstad
Summary
Detail-oriented professional with extensive experience evaluating credit requests, adept at balancing risk mitigation with profit objectives. Skilled in marketing financial products and cultivating referral networks to sustain a loyal customer base. Proficient in various financial products, including personal, motor vehicle, and mortgage loans, with additional expertise as an Account Manager in commercial loans. Demonstrates reliability and proficiency in analyzing financial statements and applying direct and indirect lending principles. Possesses strong communication and problem-solving abilities, coupled with a courteous and professional demeanor in addressing customer concerns. Proven track record of building positive relationships, maximizing client satisfaction, and fostering client loyalty through effective prospecting and relationship management strategies.
Overview
17
17
years of professional experience
Work History
Development Manager (Account Manager)
Stichting Korpodeko
12.2022 - Current
- Reviewed credit applications and managed customer accounts to ensure timely payments.
- Analyzed financial statements, credit reports, and other documents to assess risk levels of customers.
- Negotiated payment plans with delinquent customers.
- Monitored customer account information for changes in creditworthiness.
- Maintained detailed records of customer accounts, including payment histories and contact information.
- Assessed current client needs and identified potential opportunities for growth within their businesses.
- Managed a portfolio of high-value customer accounts while ensuring compliance with regulations.
- Performed regular reviews of customer accounts to identify areas of improvement.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Assessed customer credit files regularly to review receivables.
Retail Lending Officer
Maduro & Curiel's Bank N.V.
05.2018 - 10.2022
- Analyzed the applicants' financial status, credit, and property evaluations to determine the loan's feasibility.
- Educated customers on a range of loan products and available credit options in order to facilitate sound decision-making.
- Meeting with applicants to collect information for loan applications and answer process-related questions.
- Loan applications were submitted to the underwriter for review and approval.
- Consulted with customers to identify credit products that met their needs.
- Developed and maintained beneficial relationships with customers and internal partners.
- Collaborated in cross-functional work teams with project managers regarding new bank applications for onboarding of bank accounts.
Contact Center Representative
Maduro & Curiel's Bank N.V.
02.2014 - 05.2018
- Answered incoming calls and provided every customer with the highest level of expertise and professionalism.
- Responded to email inquiries within established timeframe to resolve customer complaints.
- Managed customer support inbox for Corporate, Business, and Personal online banking.
- Trained, guided and coached newly hired employees in a wide range of skillsets in relation to system software, banking products, and customer service.
- Successfully carried out new online banking pilot and live production expansions across MCB Group (Curacao, Aruba, Bonaire, SXM in 2017). Trained fellow colleagues and onboarded new customers to the system.
- Successfully carried out online banking user account remediation in 2018.
Help Desk Agent
Intelligent Solutions Group
01.2012 - 07.2013
- Supported customers having data connectivity issues, assisting with troubleshooting steps and rebooting of hardware.
Ticket Writer
Sirbet
01.2010 - 01.2011
- Verifies, writes, and processes payments for sports wagering tickets in accordance with Sportsbook policies and procedures and gaming regulations. Maintains records, accurately accepts and makes payment transactions.
Salesman
Sasch Clothing Store
01.2008 - 01.2009
- Displayed merchandise to highlight new trends, attract customers, and increase sales.
Education
BBA - Bachelor in Business Administration And Management
Intercontinental University of Curacao
Willemstad06-2023
Some College (No Degree) - Computer Science
The Hague University
Netherlands2011
High School Diploma -
Peter Stuyvesant College
Willemstad06.2011
High School Diploma -
Marnix College VSBO
Willemstad06.2008
Skills
- Creditworthiness Determination
- Customer Service-Focused
- Problem-Solving
- Sales Expertise
- Attention to Detail
- Upselling Techniques
- Teamwork and Collaboration
- Verbal and written communication
- Reading Comprehension Skills
- Negotiation Tactics
- Listening Skills
- Reliable and punctual
Languages
- Papiamentu - Native language
- Dutch - Good
- English - Excellent
- Spanish - Decent
Timeline
Development Manager (Account Manager)
Stichting Korpodeko
12.2022 - Current
Retail Lending Officer
Maduro & Curiel's Bank N.V.
05.2018 - 10.2022
Contact Center Representative
Maduro & Curiel's Bank N.V.
02.2014 - 05.2018
Help Desk Agent
Intelligent Solutions Group
01.2012 - 07.2013
Ticket Writer
Sirbet
01.2010 - 01.2011
Salesman
Sasch Clothing Store
01.2008 - 01.2009
BBA - Bachelor in Business Administration And Management
Intercontinental University of Curacao
Some College (No Degree) - Computer Science
The Hague University
High School Diploma -
Peter Stuyvesant College
High School Diploma -
Marnix College VSBO
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