Cesareo Loza Arciba
Finance
Kelowna,BC
Summary
Results-driven Financial Services and Relationship Management professional with over 10 years of experience across commercial banking, credit analysis, underwriting, and small business advisory. Proven track record of managing high-value client portfolios, strengthening client relationships, and delivering tailored credit and financial solutions that drive growth while mitigating risk.
Candidate PhD in Financial Sciences and dual MBAs, with strong expertise in financial statement analysis, risk assessment, lending strategy, and business development. Adept at identifying opportunities, cross-selling financial products, and partnering with stakeholders to support client success. Recognized for strong business acumen, leadership in client-facing roles, and the ability to translate complex financial data into clear, actionable recommendations.
Experienced in Canadian banking environments including ATB Financial, TD Canada Trust, Scotiabank, BMO, and credit unions, with hands-on leadership in portfolio management, underwriting decisions, credit adjudication, and performance improvement initiatives. Committed to delivering exceptional client service, building long-term partnerships, and contributing to organizational profitability and risk management excellence.
Overview
15
15
years of professional experience
1
1
Certificate
Work History
Senior Relationship Manager
CIBC Business Banking
Kelowna, BC
05.2025 - Current
- Developed tailored financial solutions aligning with client needs and business objectives.
- Cultivated and managed client relationships to enhance customer satisfaction and loyalty.
- Analyzed market trends to identify growth opportunities for client portfolios.
- Mentored junior relationship managers, fostering skill development and enhancing team performance.
- Negotiated complex deals, driving profitable outcomes while maintaining strong client partnerships.
- Increased portfolio growth by effectively identifying new business opportunities through market research and networking.
- Negotiated favorable terms for clients by leveraging strong relationships with product providers and underwriters.
- Completed trades on [Type] energy derivatives, increasing profits [Number]%.
College Instructor
ERP College
Calgary, AB
02.2020 - 05.2025
- Developed and delivered engaging course materials for diverse student populations.
- Implemented innovative teaching strategies to enhance student learning outcomes.
- Collaborated with faculty to design curriculum aligned with industry standards.
- Mentored junior instructors to improve instructional techniques and student engagement.
- Conducted assessments and provided constructive feedback to support student progress.
- Integrated technology into the classroom to facilitate interactive learning experiences.
Relationship Manager
ATB Financial
Edmonton, AB
12.2022 - 10.2023
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
- Built and maintained relationships with new and existing clients while providing high level of expertise
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction
Credit Analyst 8
TD Canada Trust
Edmonton, AB
07.2022 - 12.2022
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Made decisions and recommendations about extending lines of credit.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Underwriter
The Green Mortgage Team
Vancouver, British Columbia
09.2021 - 04.2022
- Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
- Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Worked with 65 different institutional lenders
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
Commercial Account Manager
ABCU Credit Union
06.2021 - 08.2021
- In charge of a high value commercial portfolio
- Analyzed client needs to identify commercial credit solutions
- Negotiated rates to set up finance contracts.
- Solicited new loan, deposit and investment business through referrals and member inquiries.
- Managed client risk exposure and coordinated services for development, retention and rounding of accounts.
- Processed daily mail, email and phone calls from customers and producers to generate new business
Workout Manager Credit Solutions
Scotiabank
08.2020 - 06.2021
- Monitored accounts for compliance with established payment plans and flagged non-compliances.
- Counseled debtors on payment options and arranged installment agreements.
- Managed post-petition payments for bankruptcy cases and worked with legal departments to determine appropriate proceedings.
- Developed and implemented performance improvement strategies and plans to promote continuous improvement.
- Monitored high risk accounts to minimize potential loan losses
- Making adequate loan loss provisions
- Downgrade of problem accounts to Non-accrual status
Small Business Advisor
Scotiabank
07.2018 - 08.2020
- Met with small business owners to discuss organizations, what each hoped to achieve and what products and services would be offered.
- Managed assigned portfolio of high value and/or complex small business clients (150MM) with lending authorizations up to 2MM
- Fostered community involvement to establish a strong presence in the market and communities we served
- Met with small business owners to discuss organizations, what each hoped to achieve and what products and services would be offered.
- Crafted business plans that identified long term company goals and also detailed smaller goals to keep organization on track.
- Monitored operational activities to ascertain effectiveness of results and which areas could use better oversight.
- Provided leadership coaching to small business owners, enabling each to find daily motivation, solve problems and make effective decisions.
Senior Mortgage Underwriter
Canadian First Financial
04.2015 - 06.2015
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Mortgage Specialist
BMO Bank of Montreal
11.2014 - 04.2015
- Attracted new mortgage loan applications by developing relationships within community.
- Developed new business and increased sales through targeted market penetration, extensive training, business partnerships and customer relationships.
- Reviewed loan files and updated to match current standards.
- Worked with underwriters to fix application problems and resolve issues.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Prepared own marketing materials
Financial Services Manager
BMO Bank of Montreal
03.2013 - 10.2014
- Processed transactions for members, including deposits, withdrawals and payments to loan accounts.
- Ranked 2nd Nationally in scorecard for Canadian Banking P&C group
- Conducted financial statement analysis for both commercial and personal clients to determine creditworthiness
- Identified signs of fraud and took proactive action to protect institutional assets.
- Developed improvement plans to continuously develop individual and group performance, knowledge and abilities.
Lending and Investments Direct Banking Manager
BMO Bank of Montreal
11.2010 - 02.2013
- Increased customer satisfaction by resolving client concerns
- Thrived in a high volume paced environment at NCCC approving and building approximately 40 files for consumer credit
- Achieved 300% of scorecard objectives and successfully promoted to the next level up
Education
PhD. - Financial Sciences
EGADE BUSINESS SCHOOL
Mexico City 2022
MBA -
EGADE BUSINESS SCHOOL
Monterrey Mexico06.2017
MBA - Energy Management
Rice University
Houston , TX05.2017
BBA - Business Administration
LaSalle College International
Montreal Quebec07.2009
Skills
- Bloomberg, Economatica,Reuters
- Research: Financial vehicles and security development of energy efficient projects in Mexico; Mexican energetic reform and NAFTA collaborations
- Analytical skills
- Business owner
- Credit
- Corporate Finance
- English
- Financial statement analysis
- Funds
- Managerial accounting
- Marketing material
- Research
- Financial report analysis
- Financial projections
- Digital banking
- Financial auditing
- Public speaking
- Strategic planning
- Sales management
- Portfolio management
- Business development
- Business strategies
- Critical thinking
- Team leadership
- Team collaboration
- Coaching and mentoring
- Interpersonal skills
- Client relations
- Customer interaction
Certification
Certificate in Small Business Banking Moody's Analytics given by Canadian Securities Institute
IFIC Investment Funds in Canada
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Languages
English
Bilingual or Proficient (C2)
French
Bilingual or Proficient (C2)
Spanish
Bilingual or Proficient (C2)
Work Preference
Work Type
Full TimeContract WorkLocation Preference
RemoteHybridOn-SiteImportant To Me
Career advancementPersonal development programsWork from home optionInterests
Sports
Travel
Gastronomy
Software
Office
Websites
Timeline
Senior Relationship Manager
CIBC Business Banking
05.2025 - Current
Relationship Manager
ATB Financial
12.2022 - 10.2023
Credit Analyst 8
TD Canada Trust
07.2022 - 12.2022
Underwriter
The Green Mortgage Team
09.2021 - 04.2022
Commercial Account Manager
ABCU Credit Union
06.2021 - 08.2021
Workout Manager Credit Solutions
Scotiabank
08.2020 - 06.2021
College Instructor
ERP College
02.2020 - 05.2025
Small Business Advisor
Scotiabank
07.2018 - 08.2020
Senior Mortgage Underwriter
Canadian First Financial
04.2015 - 06.2015
Mortgage Specialist
BMO Bank of Montreal
11.2014 - 04.2015
Financial Services Manager
BMO Bank of Montreal
03.2013 - 10.2014
Lending and Investments Direct Banking Manager
BMO Bank of Montreal
11.2010 - 02.2013
PhD. - Financial Sciences
EGADE BUSINESS SCHOOL
MBA -
EGADE BUSINESS SCHOOL
MBA - Energy Management
Rice University
BBA - Business Administration
LaSalle College International