Experience

VersaBank

• Canada
• Banking
• 100 - 200 Employee

• Vice President, Credit Risk

  • Nov 2020 - Present

• Assistant Vice President, Credit and Enterprise Risk Management

  • Nov 2017 - Oct 2020



Stonebridge Financial Corporation

• Canada
• Financial Services
• 1 - 100 Employee

• Director, Structured Finance

  • Jan 2017 - Nov 2017

• Senior Manager, Structured Finance

  • Jan 2015 - Jan 2017

• Manager, Structured Finance

  • Mar 2013 - Jan 2015

  - Underwrite and structure complex debt securitization facilities of up to CAD $200 million pertaining to asset backed loans/leases- Review and adjudicate individual credit deals for funding under securitization facility- Establish relationships with prospects to generate deal flow opportunities- Prepare Offering Memorandums for financing proposals- Successfully negotiate deal structure and pricing - Review and negotiate loan/credit legal documentation to adequately mitigate business risks- Complete detailed annual renewals- Industries funded include: Professionals, Manufacturing, Transportation, Health Care, Franchises, Agriculture and Real Estate- Develop and test models to rate securitization pools - Performed ongoing account monitoring with a proactive approach for problem detection and resolution Show less



BMO

• Canada
• Financial Services
• 700 & Above Employee

• Senior Commercial Credit Analyst

  • Jul 2011 - Feb 2013

  - Underwrote Mid-Market commercial lending deals of CAD $3 million - $20 million - Industries: Real Estate (Investor owned, Owner occupied and Construction), Manufacturing, Wholesale, Transportation, Professionals (Doctors, Lawyers, Accountants, etc.), Franchise Programs, Trade Contracting, Retail and Not-for-profit.- Products: Operating line, Term financing, Commercial Mortgages, CAPEX line, Foreign Exchange Forward Contracts, Letters of Credit, Corporate credit cards and Settlement Risk Lines- Utilized Moody’s Risk Analyst for detailed financial analysis- Developed credit structures to meet Bank’s lending guidelines while satisfying client needs- Completed annual reviews in a timely manner to mitigate bank risk - Negotiated security structure with the bank's risk management group- Coached and trained three Mid-Market credit analyst trainees Show less

• Commercial Account Manager

  • Apr 2008 - Jul 2011

  - Underwrote corporate deals of up to CAD $3 million- Increased gross portfolio revenues by 13% annually- Identified over $5 million in cross referral opportunities for Retail and Private Client Group partners- Delivered consistent top quartile performance with regard to sales targets- Successfully completed various bank courses to attain credit limits- Assisted with completion of annual reviews for portfolio risk management unit



TD

• Canada
• Banking
• 700 & Above Employee

• Financial Advisor

  • May 2007 - Apr 2008

  - Achieved highest ranking for two consistent quarters in the district - Underwrote retail lending deals of up to CAD $2 million - Performed in-depth reviews of clients' current financial circumstances and future aims - Managed and coached a team of Financial Service Representatives to execute business strategy - Analyzed information and prepared plans best suited to individual client requirements - Ensured branch compliance with regards to Mutual Fund transactions - Achieved highest ranking for two consistent quarters in the district - Underwrote retail lending deals of up to CAD $2 million - Performed in-depth reviews of clients' current financial circumstances and future aims - Managed and coached a team of Financial Service Representatives to execute business strategy - Analyzed information and prepared plans best suited to individual client requirements - Ensured branch compliance with regards to Mutual Fund transactions



TD

• Canada
• Banking
• 700 & Above Employee

• Financial Services Representative

  • Apr 2005 - Aug 2006

  - Consistently performed within top quartile by exceeding sales goals across all metrics- Presented new tactics to clients for improving returns within constrained time horizons- Mitigated risk to the firm by remaining fully compliant with industry regulations - Assessed and managed risk levels of credit products such as Mortgages, Loans and Lines of Credit

• Customer Service Representative

  • Feb 2005 - Apr 2005

  - Exceeded quarterly sales targets by generating referrals for sales team- Delivered exceptional customer service to all clients - Identified opportunities to improve operational efficiency- Applied problem solving skills to systematically analyze and resolve customer complaints