Josanne John
Trincity
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
24
24
years of professional experience
Work History
Loans Officer
EASTERN CREDIT UNION
03.2009 - Current
- The maintenance of an efficient standard of service and to perform all tasks in keeping with our motto of “Earning Excellence”
- To appraise members of the Loan Policy of the Credit Union and to present the Credit Union as a caring and responsible organization
- To inform members of the necessity for regular share savings and prompt repayment of loans
- Receive completed loan applications or conduct interviews with loan applicants to enable the loan application forms to be completed
- Interview in a polite and caring matter, applicants for loans to ascertain, through the applications of careful and discreet interviewing skills, all such information as is necessary for the consideration of the loan application
- Consideration of loans and assessment of credit risks
- Refer loans requiring higher authority for approval
- Obtain all relevant security and authorization for salary deductions and update all relevant records
- Arrange for disbursement of approved loans
- Access the computer to ascertain members’ share, deposit, and loan balances
- File loan documents
- Review and control of overdue loan repayments
- Any other related duties that may be assigned sometimes.
Loans Supervisor
EASTERN CREDIT UNION
06.2016 - 07.2016
- The maintenance of an efficient standard of service and to perform all tasks in keeping with our motto of “Leading the Way”
- To supervise the operations of the Loans Department
- To appraise members of the Loan Policy of the Credit Union and to present the Credit Union as a caring and responsible organization
- To implement the Loan Policy of the Credit Union in considering and approving loan applications by members
- To ensure through the application of established systems and procedures as defined in the various manuals of the Union that all records are maintained accurately and promptly
- To provide support to the Branch Manager to enable him/her to be always conversant in all matters relating to the department.
Loans Coordinator
EASTERN CREDIT UNION
03.2006 - 03.2009
- To possess a thorough knowledge of all relevant systems and procedures
- To inform members of the necessity for regular share savings and the prompt repayment of loans
- Retrieving member’s loans files and filing of all relevant documents on members’ loans files
- Disbursement of approved loans by cheque to members or making up the relevant vouchers for Tellers to disburse cash
- Obtaining all relevant security and authorization documents from members
- Ensuring all security and authorization documents are always for all loans
- Recording all security and authorization documents in relevant records in accordance with the Credit Administration Manual
- All typing and clerical duties in respect of the credit operation of the branch
- Access the computer to ascertain members’ share, deposit, and loan balances
- Any other related duties that may be assigned sometimes.
Secretary
AUTOMATIC DOORS LIMITED
01.2005 - 06.2006
- To be conversant with and promote all products and services
- Possess a thorough knowledge of all relevant systems and procedures
- Answer queries related to sales invoices sent to customers
- Balance petty cash daily and file purchase orders sent from suppliers in the relevant files.
Member Relations Officer
EASTERN CREDIT UNION
12.2005 - 03.2006
- To be conversant with and promote products and all services of the Credit Union to ensure branch targets are achieved and to answer all queries related to the products and services
- To possess a thorough knowledge of all relevant systems and procedures
- To inform members of the necessity for regular share savings and prompt repayment of loans
- Ensure that the Member Relations and Members Lobby area is kept in a tidy manner to project a favourable image of the Credit Union
- Ensure that adequate supplies of Credit Union literature, forms, envelopes, passbooks etc
- Are available in the branch for use when necessary
- Assist in the circulation system of the Credit Union’s Newsletter
- Enrolling, processing applications, opening accounts for, and issuing all relevant documents and other items to new members for all products and services offered by the Credit Union
- Updating information on existing members by completing and processing all relevant forms and processing data on cessation of membership
- Prepare and issue Members Kit to new members
- Updating payments and receipts in members’ passbooks
- File application forms and other member’s information and documents
- Prepare and Issue Members I.D
- Cards to new members
- Posting and deleting messages on the computer records to member’s accounts
- Preparation of periodical reports to the Operations Supervisor for the Branch Manager
- Access the computer to ascertain members’ share, deposit, and loan balances
- Preparation of Certificates of Account Balances and Shareholdings for members
- To assist in setting branch membership targets
- Give demonstrations to members on the use of Automatic Business Machines
- Ensure Automatic Business Machines are adequately supplied with cash and stationery and to assist in replenishing Automatic Business Machines
- Any other related duties that may be assigned sometimes.
Accounting Assistant I
SOLID WASTE MANAGEMENT company LIMITED
01.2004 - 12.2004
- Printing invoices for monthly customers
- Balancing the monthly general ledgers
- Receiving payments for services rendered on behalf of the company.
Auditing Assistant
P.A.C.M.S.
01.2003 - 06.2003
- Entering payments and receipts from clients and forming a database for each client
- Balancing client’s accounts and auditing each client’s general ledgers
- Making sure that the client’s already submitted balance sheet and profit and loss statements match the database’s balance sheet and profit and loss statement.
Teller
COPOS CREDIT UNION
01.2001 - 12.2001
- Receive cash for loan repayments, interest payments, share purchases, deposits, and miscellaneous charges from members over the counter
- Make cash payments for share and deposit withdrawals over the counter
- Process cash received from members in the mail, by payroll, delivery, collection or standing order to member’s accounts
- Record payments and receipts in member’s passbook
- Answer queries related to deposits, withdrawals, loan repayments and general passbook problems
- Balance cash transactions daily in keeping with policy on over/shorts
- File deposits, withdrawals, and payment vouchers daily
- Secure all relevant cross stamps properly.
Education
ADVANCED DIPLOMA - FRAUD
CARIBBEAN FORENSICS & FINANCIAL FRAUD INSTITUTE
San Fernando, Trinidad And TobagoAssociate of Science - MANAGEMENT IN ACCOUNTING
COSTAATT
Port Of Spain, Trinidad And Tobago2025
Skills
- Documentation Review
- Negotiation Techniques
- Credit analysis
- Customer service-focused
- Risk management assessments
- Team Player
- Financial Counseling
- Analytical and Critical Thinking
- Attention to Detail
- Decision-Making
- Teamwork and Collaboration
- Problem-Solving
Educationcertifications
- COLLEGE OF SCIENCE, TECHNOLOGY & APPLIED ARTS, PORT-OF-SPAIN, Associate Degree in Management in Accounting (Final Year – To be completed)
- CARIBBEAN FORENSICS & FINANCIAL FRAUD INSTITUTE, NAPARIMA GIRL’S, Advanced Diploma in Certified Forensic Accounting & Fraud Detection Training (Completed)
- SCHOOL OF ACCOUNTING AND MANAGEMENT, ST. AUGUSTINE, Diploma in Foundations in Accountancy (Foundation Level - Completed)
- ELDER’S CLASSES, PORT-OF-SPAIN, CXC O’Level Human and Social Biology, B
- ELDORADO SECONDARY SCHOOL, TUNAPUNA, CXC O’Level English, 2, CXC O’Level Mathematics, 3, CXC O’Level Biology, 4, CXC O’Level Physics, 4, CXC O’Level Chemistry, 3, CXC O’Level Social Studies, 4
Other Information
Association of Certified Chartered Accountants (UK) International Student, International Certified Accountants of Trinidad & Tobago, Caribbean Forensics & Financial Fraud Institute, Foundations in Accountancy, Advanced Diploma in Certified Forensic Accounting & Fraud Detection Training
References
- MRs. KHADINE ROUSE-BALEWA, BRANCH OPERATIONS SECRETARY, Eastern Credit Union, La Joya, St. Joseph, 662-1184 EXT 5282
- MRs. DENISE QUASHIE, CREDIT ANALYST, Eastern Credit Union, La Joya, St. Joseph, 662-1184 EXT 5102
Timeline
Loans Supervisor
EASTERN CREDIT UNION
06.2016 - 07.2016
Loans Officer
EASTERN CREDIT UNION
03.2009 - Current
Loans Coordinator
EASTERN CREDIT UNION
03.2006 - 03.2009
Member Relations Officer
EASTERN CREDIT UNION
12.2005 - 03.2006
Secretary
AUTOMATIC DOORS LIMITED
01.2005 - 06.2006
Accounting Assistant I
SOLID WASTE MANAGEMENT company LIMITED
01.2004 - 12.2004
Auditing Assistant
P.A.C.M.S.
01.2003 - 06.2003
Teller
COPOS CREDIT UNION
01.2001 - 12.2001
ADVANCED DIPLOMA - FRAUD
CARIBBEAN FORENSICS & FINANCIAL FRAUD INSTITUTE
Associate of Science - MANAGEMENT IN ACCOUNTING
COSTAATT
Similar Profiles
Candice Soo WooCandice Soo Woo
Branch Manager (Ag) at Eastern Credit UnionBranch Manager (Ag) at Eastern Credit Union
Jodeci MurrellJodeci Murrell
Member Relations Officer/Teller at Eastern Credit UnionMember Relations Officer/Teller at Eastern Credit Union
Keisha S. CodringtonKeisha S. Codrington
Control Room Operator at Eastern Credit Union Co-operative LtdControl Room Operator at Eastern Credit Union Co-operative Ltd