Rose Marthe Elizabeth Hyppolite
Limonade,Cap-Haitien
Summary
Adept at portfolio management and underwriting, I significantly enhanced client satisfaction and portfolio growth at Banque de l'Union Haitienne S.A. My expertise in risk evaluation and credit assessment, coupled with strong relationship-building skills, drove successful project implementations and tailored financial solutions, marking a notable increase in client retention.
Overview
13
13
years of professional experience
Work History
Commercial Banking Officer
Banque de l'Union Haitienne S.A.
Limonade, Cap-Haitien
01.2022 - Current
- Manage the assigned client portfolio, maintaining regular contact via visits, phone calls, and emails. Assess financial risks related to clients and their industries.
- Build strong commercial relationships through regular account monitoring and client satisfaction. Identify new client needs and propose tailored solutions.
- Prepare service offers and coordinate with relevant departments (Credit – GE, Treasury) or subsidiaries (Mastercard, etc.).
- Handle client complaints and report significant issues to management.
- Periodically compile commercial reports and document client interactions.
- Promote and sell BUH S.A. products and services. Ensure database updates with accurate client information.
- Identify value-added products/services, develop project proposals, and coordinate with concerned departments.
- Oversee project implementation and prepare progress reports. Evaluate ongoing projects with relevant services to confirm client and BUH satisfaction
Analyst Credit
Banque de l'Union Haïtienne S.A.
Port-au-Prince, Haïti
01.2019 - 12.2021
- "Analyze credit applications; determine applicants' creditworthiness; assess repayment capacity based on credit demand; analyze risks; decide whether or not to grant credit; set up credit files; present files to the credit committee; monitor customer reimbursements; follow up on problematic files; master credit-related computer tools; ensure that all necessary precautions and safeguards for granted loans are in place."
Retail Credit Officer
Banque de l'Union Haïtienne S.A.
Port-au-Prince, Haïti
03.2017 - 12.2018
- Manage business relationships by approaching existing and potential clients to grow the institution’s credit portfolio.
- Monitor customer accounts to identify business opportunities across credit and other financial products.
- Maintain regular contact with clients through visits or calls and document interactions. Assist clients with banking inquiries within the scope of expertise.
- Analyze credit applications, assess creditworthiness, define repayment capacity, and evaluate risks to determine loan approval.
- Prepare and present credit files to the committee, monitor repayments, and follow up on problematic cases.
- Utilize credit-related software and ensure full compliance with loan safeguards and precautions.
Client Relationship Officer
Banque de l'Union Haïtienne S.A.
Port-au-Prince, Haïti
01.2015 - 02.2017
- Manage customer relationships and files, ensuring loyalty and account monitoring. Supervise customer employees through evaluation, training, and coaching. Advise clients on suitable products and assess their financial situation. Assist with credit applications and define overdraft authorizations. Prospect new clients and promote banking products and services with an effective sales approach. Offer promotions during subscriptions, handle customer issues, and negotiate disputes. Prepare reports on account openings/closings, transactions, transfers, and foreign checks.
Customer Service Agent
Banque de l'Union Haïtienne S.A.
Port-au-Prince, Haïti
02.2012 - 12.2014
- "Receive customers and provide financial advice on financing solutions, investments, and savings.
- Sell financial products and prospect new clients.
- Monitor customer accounts and assess their financial situation.
- Define overdraft authorizations and update client records.
- Open savings, current, and term deposit accounts.
- Perform management checks and process fund transfers locally and internationally.
- Handle internal and external bank transfers.
- Prepare daily and monthly reports on transactions, including currency exchanges, fund transfers, account openings and closures, checkbook orders and renewals, and issued or shipped Mastercard credit cards.
Education
Banking Certification
Ecole Professionnel De Banque
Haiti06-2021
Diplôme En Sciences Economiques - Option Finance
Institut Hautes Etudes Commerciales & Économiques
Haiti12-2011
DELF
Institut Français D'Haiti
Haiti06-2009
Skills
- Portfolio management
- Underwriting expertise
- Risk evaluation
- Credit assessment
- Cash flow forecasting
- Loan structuring
Languages
French
First Language
English
Intermediate (B1)
B1
Activities
- Member of Toastmasters International
- Sunday School Instructor at Church
- I enjoy reading, writing, and baking.
Affiliations
"MS Office (Word, Excel, PowerPoint, Outlook) and its online variant, MS Office 365 (OneDrive, SharePoint).
Timeline
Commercial Banking Officer
Banque de l'Union Haitienne S.A.
01.2022 - Current
Analyst Credit
Banque de l'Union Haïtienne S.A.
01.2019 - 12.2021
Retail Credit Officer
Banque de l'Union Haïtienne S.A.
03.2017 - 12.2018
Client Relationship Officer
Banque de l'Union Haïtienne S.A.
01.2015 - 02.2017
Customer Service Agent
Banque de l'Union Haïtienne S.A.
02.2012 - 12.2014
Banking Certification
Ecole Professionnel De Banque
Diplôme En Sciences Economiques - Option Finance
Institut Hautes Etudes Commerciales & Économiques
DELF
Institut Français D'Haiti
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