Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic
Tia-Maria S. Albury

Tia-Maria S. Albury

Nassau ,NP

Summary

Knowledgeable and well versed banker and leader with a proven track record in managing branch operations, credit and driving team performance. Demonstrates good leadership, communication and problem-solving skills, while having an excellent rapport with all team members.

Overview

26
26
years of professional experience
1
1
Certification

Work History

Assistant Branch Manager

Commonwealth Bank
11.2023 - Current
  • Supported the Branch Manager with daily tasks, ensuring smooth branch functioning and effective communication amongst team members.
  • Oversaw successful completion of internal audits with minimal findings, demonstrating strong adherence to bank policies and regulations.
  • Trained and developed team members in alignment with branch service standards, objectives and succession planning.
  • Coached and developed branch staff by offering constructive feedback
  • Assisted in achieving branch sales goals by identifying potential cross-selling opportunities and promoting bank products and services.
  • Supervised team of 6 branch employees and made recommendations regarding performance evaluations.
  • Managed risk effectively through strict adherence to compliance guidelines, minimizing financial losses due to poor credit judgment and fraud
  • Reviewed credit applications for risk factors and credit worthiness.
  • Collaborated with other departments within the bank to resolve complex issues efficiently
  • Demonstrated knowledge of branch financial products, loans and lines of credit.
  • Led weekly team meetings focusing on progress updates, goal-setting sessions, best practices sharing and collaborative problem solving
  • Conducted regular performance evaluations for staff members, providing constructive feedback for professional development and growth
  • Examined customer loan applications for loan approvals and denials.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.

Sr. Special Credit Supervisor

Commonwealth Bank
04.2021 - 11.2023
  • Managed Branch's delinquency portfolio
  • Supervised staff
  • Led detailed weekly department meetings
  • Reviewed officer's portfolio and provided feedback
  • Coached staff
  • Mentored staff
  • Managed the amount of charge offs
  • Partnered and collaborated directly with Branch and Department management
  • Significantly reduced delinquency
  • Daily strategic management
  • Prepared and maintained daily, weekly and monthly reports and logs
  • Restructured loans
  • Refinanced loans
  • Reviewed all restructures and refinances presented to the Credit Risk Department to ensure adherence to policy providing feedback and recommendations
  • Reviewed all requests for repossessions and legal action
  • Reviewed receipt books on a daily basis
  • Completed Performance Reviews and assessments for the entire team
  • Prepared successors
  • Trained and developed officers
  • SME in loan maintenance
  • Supported customers with invoices, statements and other basic questions.
  • Assisted with reconciliations and customer communications.
  • Worked with customers to answer questions, resolve disputes and research discrepancies.

Special Credit Supervisor

Commonwealth Bank
06.2017 - 04.2021
  • Managed Branch's delinquency portfolio
  • Supervised staff
  • Led detailed weekly department meetings
  • Reviewed officer's portfolio and provided feedback
  • Coached staff
  • Mentored staff
  • Managed the amount of charge offs
  • Partnered directly with Branch and Department management
  • Significantly reduced delinquency
  • Daily strategic management
  • Prepared and maintained daily, weekly and monthly reports and logs
  • Restructured loans
  • Refinanced loans
  • Reviewed all restructures and refinances presented to the Credit Risk Department to ensure adherence to policy providing feedback and recommendations
  • Reviewed all requests for repossessions and legal action
  • Completed reviews and assessments for the entire team
  • Reviewed receipt books on a daily basis

Recovery Officer

Commonwealth Bank
07.2013 - 09.2016
  • Managed bank's entire charged off credit card portfolio (Mastercard and Suncard)
  • Conducted field visits/calls
  • Collected payments
  • Conducted monthly reviews with Management and Executive Management
  • Recovered full charge off balances via cash payoffs, credit card add ons and converted loans
  • Prepared legal action when required
  • Conducted external searches
  • Negotiated rewrites and cash payoffs
  • Prepared caveat requests for deceased clients

90 Day Special Credit Officer

Commonwealth Bank
07.2009 - 07.2013
  • Managed Suncard 90-day delinquency portfolio
  • Conducted field visits
  • Chased clients with 90 days plus delinquency
  • Managed monthly charge offs/losses
  • Prepared and completed credit card add ons
  • Conducted external searches
  • Prepared legal action requests
  • Issue demand letters
  • Network with colleagues throughout the bank to remedy/resolve card delinquency
  • Mentored fellow team mates to ensure success

Legal Officer

In-House Investments
10.2008 - 07.2009
  • Prepared all accounts for legal action
  • Organized and file all internal and external documents
  • Prepared month end reports for multiple law firms
  • Researched accounts
  • Updated all accounts with legal action in place
  • Attended court matters in the Magistrate and Supreme courts
  • Assessed and prepared monthly bills from the various law firms
  • Called clients daily for payment arrangements

Accounts Control Officer

In-House Investments
10.2007 - 07.2009
  • Contact customers in regards to delinquent accounts
  • Collect funds
  • Field visits/calls
  • Research accounts
  • Rewrite and restructure loans
  • Counsel clients on financial literacy
  • Amortization of loans
  • Knowledge and experience with the Encompass system
  • Setup salary deduction payments for clients

Police Cadet

The Royal Bahamas Police Force
02.2000 - 06.2005
  • Assisted in many departments such as Accounts, Human Resources, Prosecutions, numerous police stations and other areas of the force.
  • Obtained certificate of completion.

Education

LLB - Law

The University of The West Indies
Nassau

Associate of Arts - Law And Criminal Justice

The College of The Bahamas
Nassau
04-2005

High School Diploma -

St. Augustine's College
Nassau
06-2001

Skills

  • Effective Communicator
  • Trained Leader
  • Specialist in the field of delinquency
  • Competency in Microsoft
  • Mentorship
  • Persuasive writer

Certification

  • Distinguished Toastmaster (Toastmasters International)
  • District 47's Area Director of The Year Award (Toastmasters International)
  • Advanced Communicator and Leader Award Silver (Toastmasters International)
  • Advanced Communicator and Leader Award Bronze (Toastmasters International)
  • Was a part of the a President's Distinguished Divsion
  • Led a President's Distinguished Area
  • Led a President Distinguished Club
  • Club President
  • Club Vice President of Membership
  • Competent Communicator Award (Toastmasters International)
  • Competent Leader Award (Toastmasters International)
  • Completed ABA courses
  • Certificate of Completion in Commonwealth Bank's Leadership Development Program

Timeline

Assistant Branch Manager

Commonwealth Bank
11.2023 - Current

Sr. Special Credit Supervisor

Commonwealth Bank
04.2021 - 11.2023

Special Credit Supervisor

Commonwealth Bank
06.2017 - 04.2021

Recovery Officer

Commonwealth Bank
07.2013 - 09.2016

90 Day Special Credit Officer

Commonwealth Bank
07.2009 - 07.2013

Legal Officer

In-House Investments
10.2008 - 07.2009

Accounts Control Officer

In-House Investments
10.2007 - 07.2009

Police Cadet

The Royal Bahamas Police Force
02.2000 - 06.2005

LLB - Law

The University of The West Indies

Associate of Arts - Law And Criminal Justice

The College of The Bahamas

High School Diploma -

St. Augustine's College

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Tia-Maria S. Albury