Alicia McCance
Trenton,ON
Summary
Senior Financial Advisor with 15+ years of progressive experience in consumer lending, credit analysis and client advisory. Known for delivering compliant mortgage applications and navigating complex lending deals while maintaining efficiency and providing a positive client experience.
Overview
16
16
years of professional experience
Work History
Senior Financial Advisor
Scotiabank
Belleville, ON
01.2020 - Current
- Helping clients build financial plans through a holistic approach; Helping clients meet these financial objectives through a variety of financial solutions
- Deepen and retain client relationships by providing high quality advice
- Proactively and regularly contact clients to review and update financial plans
- Prepare for appointments by completing a gap analysis
- Complete lending process for residential mortgages, including discovery, credit analysis, application completion, and submission through ScotiaHome
- Consistently achieve First Time Right (FTR) mortgage applications, minimizing rework and approval delays through strong policy knowledge and attention to detail
- Structure lending solutions for a wide range of client profiles, including complex income, credit, and debt-ratio servicing scenarios
- Complete and submit lending for additional credit solutions, including lines of credit, credit cards and loans, aligned with client needs
- Manage multiple concurrent lending files while maintaining accuracy, compliance, and proactive client communication
- Act as a lending resource within the branch, supporting advisor capacity and improving turnaround times on credit applications
- Support with training new Financial Advisors on lending processes, application quality, and compliance expectations
- Maintain Top Advisor status for multiple consecutive quarters for several years
Multi Branch Manager and Lending Specialist
Cash 4 You
Belleville, ON
11.2016 - 10.2019
- Oversaw operations and lending performance across multiple branches, consistently improving profitability and operational results
- Specialized in payday loans and installment loans, structuring solutions for credit-restricted clients while managing risk
- Revitalized underperforming branches by improving lending processes, sales execution, and team performance
- Managed charge-off accounts and collaborated on effective collection strategies
- Ensured strict adherence to regulatory, privacy, and compliance standards
- Led recruitment, training, payroll, scheduling, and performance management for multiple teams
Branch Manager and Loan Agent
National Money Mart
Belleville, ON
03.2010 - 11.2016
- Delivered high-volume consumer lending including payday loans, installment loans, and credit products
- Processed loan documentation to ensure accuracy and completeness.
- Collaborated with underwriters to resolve application issues promptly.
- Assisted customers in understanding loan terms and conditions.
- Reviewed customer financial information to determine eligibility for loans.
- Prepared and submitted loan documents to relevant parties for review and approval.
- Maintained compliance with all lending, cash-handling, and regulatory requirements
Education
Registered Financial And Retirement Advisor -
Canadian Institute of Financial Planning
04-2022
Canadian Investment Funds Course -
IFSE Institute
07-2020
Skills
- Financial Planning
- Sales
- Client relationship management
- Team leadership
- Client Discovery and Needs Analysis
- Regulatory and Compliance Adherence
- Residential Mortgage Lending
- Unsecured lending (Lines of Credit, Credit Cards and Loans)
- Credit structuring and Risk Assessment
- Policy interpretation and exception navigation
- High volume file and Pipeline Management
References
References Available Upon Request
Timeline
Senior Financial Advisor
Scotiabank
01.2020 - Current
Multi Branch Manager and Lending Specialist
Cash 4 You
11.2016 - 10.2019
Branch Manager and Loan Agent
National Money Mart
03.2010 - 11.2016
Registered Financial And Retirement Advisor -
Canadian Institute of Financial Planning
Canadian Investment Funds Course -
IFSE Institute