KERNELLE ROMAIN
Point Fortin
Summary
Experienced financial services professional with expertise in credit administration, lending, and customer relationship management. Skilled in assessing financial needs, recommending credit solutions, and managing loan portfolios to foster client relationships and ensure compliance. Proficient in evaluating credit applications, managing delinquent accounts, and promoting financial products to drive business growth.
Overview
19
19
years of professional experience
Work History
Branch Supervisor (Ag.)
SFCCU Credit Union Co-operative Society Limited
04.2025 - Current
- Oversee daily branch operations to ensure efficient service delivery and compliance with established.
- Supervise branch staff, provide guidance and support, and assist in maintaining operational standards and productivity targets.
- Resolve escalated member concerns and ensure a consistently high level of customer satisfaction.
- Monitor branch performance and contribute to the achievement of business development and service objectives.
- Assist in preparing management reports, operational updates, and branch performance reviews.
- Support loan administration, collections management and member relationship initiatives.
- Ensure compliance with internal controls, regulatory requirements and risk management standards.
Loans Officer
SFCCU Credit Union Co-operative Society Limited
02.2023 - 03.2025
- Conducted member interviews and assessed financial information to determine lending suitability.
- Manage loan portfolios through annual reviews, monitoring, and post-disbursement administration.
- Managed loan portfolios through annual reviews, monitoring, and post-disbursement administration.
- Liaised with members regarding delinquent accounts and negotiated repayment arrangements.
- Promoted financial products and services to support portfolio growth and member financial well-being.
- Maintained strong member relationships through personalized service and financial guidance, fostering loyalty and long-term financial health.
- Prepared reports and documentation in accordance with lending policies and regulatory requirements.
Loans Officer
Island Finance Trinidad and Tobago
08.2019 - 02.2023
- Consistently achieved lending and service targets.
- Assisted with cash handling, balancing and daily financial transactions.
- Delivered end to end customer support.
- Processed loan applications efficiently while ensuring compliance with regulations.
- Provided exceptional customer service, addressing inquiries and resolving issues promptly.
- Examined customer loan applications for loan approvals and denials.
- Administrative duties.
Customer Service Collections Representative
Island Finance Trinidad and Tobago
12.2007 - 08.2019
- Managed high-volume client accounts, fostering professional relationships and exceeding collections targets.
- Managed high-volume client accounts while maintaining professional relationships and achieving collections targets.
- Applied problem-solving and analytical skills to resolve complex customer matters, enhancing satisfaction and compliance.
- Consistently delivered strong service performance and contributed to overall business goals.
- Delivered strong service performance, aligning with and supporting overall business objectives.
Education
Bachelor’s Degree - Business Administration (Honours)
University of London
Certificate - Project Management for Business Professionals
School of Business and Computer Sciences
Certificate of Completion - Introduction to Co-operative Management
Cipriani College of Labour and Co-operative Studies
Certificate - Supervisory Management
London International College
Certificate - Computer Operations and Business Management Skills
School of Accounting and Management
Certificate of Merit - Microsoft Excel Level II
National Energy Skills Centre
Caribbean Examination Council – O’Level -
Vessigny Secondary School
Skills
- Loan Underwriting
- Credit Risk Management
- Loan Operations Management
- Loan Processing Systems
- Regulatory Compliance
- Risk Assessment
- Financial Product Knowledge
- Account Management
- Customer Relationship Management
- Customer Relationship Management Systems
- Portfolio Growth
- Financial Needs Assessment
- Business Development
- Business Communication
- Team Leadership & Supervision
- Team Collaboration
- Customer onboarding
- Financial Performance Review
Accomplishments
- Generated over $3 million in loan production through the successful promotion of a new loan product during Q4 2023.
- Awarded Top Loans Officer – 2024 Campaign for outstanding lending and business development performance.
- Serves as Acting Branch Supervisor for one year, supporting branch operations, staff supervision, and service excellence.
- Successfully managed member relationships while maintaining strong portfolio quality and regulatory compliance.
Additional Information
Strong willingness to learn and grow within the commercial field., Adaptable and able to work effectively in team environments., Committed to maintaining confidentiality and professionalism.
Timeline
Branch Supervisor (Ag.)
SFCCU Credit Union Co-operative Society Limited
04.2025 - Current
Loans Officer
SFCCU Credit Union Co-operative Society Limited
02.2023 - 03.2025
Loans Officer
Island Finance Trinidad and Tobago
08.2019 - 02.2023
Customer Service Collections Representative
Island Finance Trinidad and Tobago
12.2007 - 08.2019
Bachelor’s Degree - Business Administration (Honours)
University of London
Certificate - Project Management for Business Professionals
School of Business and Computer Sciences
Certificate of Completion - Introduction to Co-operative Management
Cipriani College of Labour and Co-operative Studies
Certificate - Supervisory Management
London International College
Certificate - Computer Operations and Business Management Skills
School of Accounting and Management
Certificate of Merit - Microsoft Excel Level II
National Energy Skills Centre
Caribbean Examination Council – O’Level -
Vessigny Secondary School