Credit Team Lead - ifinance Canada Inc - Toronto, ON
(2020-01)
- Analyze debt-to-income ratios, credit reports, income documentation, and payment patterns to assess creditworthiness and determine appropriate lending decisions for prime and subprime applicants.
- Evaluate customer risk profiles and recommend credit approvals, limits, and loan structures in accordance with company policies and risk guidelines.
- Review and monitor customer credit exposure while balancing business growth opportunities with risk mitigation objectives.
- Conduct detailed financial assessments and investigate credit exceptions to support sound lending decisions.
- Communicate credit decisions, application status updates, and supporting documentation requirements to clients and third-party service providers.
- Act as a key liaison between multiple departments, ensuring accurate information flow and efficient resolution of complex customer cases.
- Support collection and account-resolution activities by assessing customer payment capacity and identifying appropriate risk-management solutions.
- Maintain accurate customer records and documentation while ensuring compliance with internal procedures and lending policies.
- Train and mentor new team members on credit adjudication processes, risk assessment methodologies, and operational procedures.
- Provide ongoing guidance and support to colleagues, contributing to team performance and service excellence.
- Consistently exceeded processing targets and achieved multiple company records for monthly loan volume processed.
Senior Bilingual Customer Service Representative - BMO Financial Group - Toronto, ON
(2019-01 - 2020-01)
- Responsible for the delivery of superior customer service with respect to telephone and email inquiries.
- Educated advisors/customers on their respective types of account.
- Assisted advisors on applications, as well as financial and non-financial requests relating to client accounts.
- Analyzed historical transactions of both registered and non-registered accounts.
Senior Financial Services Representative - CIBC - Toronto, ON
(2018-08 - 2019-01)
- Discussed with clients to determine financial needs and goals and develop growth plans.
- Networked and built client relationships.
- Promptly resolved customer service issues and answered financial questions.
- Offered detailed, research-based advice on strategies to meet clients' needs.
Insurance Customer Service - BMO Financial Group - Toronto, ON
(2017-08 - 2018-08)
- Managed incoming calls in a timely manner.
- Educated customers on their respective insurance policies.
- Informed policy owners of late payments and advise accordingly.
- Updated client information such as beneficiaries, addresses and payment options.
Bilingual Credit Agent - ifinance Canada Inc - Toronto, ON
(2017-02 - 2017-07)
- Handled and advised of loan applications.
- Communicated client information towards service providers.
- Acted as intermediary between different department functions.
- Broke records on multiple occasions in regards to number of loans processed monthly.
