Belinda Jia
Toronto,ON
Summary
Credit analysis professional with over 3 years of experiences in the banking industry. Looking to leverage my knowledge, experience, and skill set to excel in a future role where an inquiring mind and a passion for excellence can be used to bring forth innovative ideas and ultimately contribute to client satisfaction.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Senior Credit Analyst
Toyota Credit Canada Inc.
Markham, ON
01.2025 - Current
- Analyze retail and corporate automotive credit applications, averaging 50 or more, within established turnaround times.
- Utilize systems such as HOST, Ultera, RingCentral, CPS and Fraud IQ to maintain internal control standards, protect company risk, and perform due diligence to make quality credit decisions.
- Rate personal and business credit reports, audited financial statements, and other related documents.
- Provide recommendations to the manager and vice president on credit applications in excess of lending limits, or any exceptions.
- Maintain a consistent level of communication, direction, and support with dealership personnel on credit offerings.
Lending Support Analyst - Credit Specialist
Scotiabank
Toronto, ON
09.2022 - 01.2025
- Perform root-caused analysis on all lending products applications about 40+ Cases daily on AS400 systems and PEGA, and recommend to ACE when the application warrants an override to SAM/DRE credit decision.
- Meet obligations with respect to operational risk, compliance risk, AML/ATF risk.
- Utilized Excel to track daily productivity and meet KYC compliance.
- "Tangerine Project" - develop and land the onboarding process for online banking.
Contact Center Rep II, Borrowing (Credit Card)
TD
Markham, ON
08.2021 - 07.2022
- Engaged with over 70 clients daily, offering solutions for credit card issues, bank statement queries, and online services.
- Implemented customer interaction strategies, boosting client satisfaction, and engagement.
- VP (Voice Print) Group Lead & Bravo Quarterly Award (Q2 winner).
Bank Teller(Internship)
Industrial and Commercial Bank of China
Pingdingshan, Henan
06.2016 - 09.2016
- Processed customer deposits and withdrawals accurately, balancing the cash drawer daily.
- Achieved sales goal of more than 120% within three months.
Education
Bachelor of Arts - Finance
University of Western Ontario
London, ON04.2019
Graduate Certificate - Supply Chain Management
Seneca College of Applied Arts And Technology
North York, ON04.2020
Skills
- SQL, SAP, and MRP skills
- Microsoft Excel (Pivot Table, VLOOKUP), Microsoft Word, Microsoft PowerPoint proficiency
- Collaborative teamwork
- Compliance Management
- Effective time management
- Strong verbal and written communication; bilingual in English and Chinese
Certification
- Microsoft Office Excel® 2016
- CSC (Canadian Securities Course)
- TD Bravo Quarterly Award
Timeline
Senior Credit Analyst
Toyota Credit Canada Inc.
01.2025 - Current
Lending Support Analyst - Credit Specialist
Scotiabank
09.2022 - 01.2025
Contact Center Rep II, Borrowing (Credit Card)
TD
08.2021 - 07.2022
Bank Teller(Internship)
Industrial and Commercial Bank of China
06.2016 - 09.2016
Bachelor of Arts - Finance
University of Western Ontario
Graduate Certificate - Supply Chain Management
Seneca College of Applied Arts And Technology
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