Charlene Nicholet
Grande Prairie,AB
Summary
I have spent the last 16 years in Professional Banking having worked in various roles that included Personal Banking, Compliance and Commercial Business Banking.
I performed duties such as day to day banking needs, personal lending and investments along with compliance and most recently in Commercial Banking, providing support to multiple team members in ensuring annual client reviews and assessments were completed in a timely fashion to maintain below 15% threshold. Additionally, I underwrote new credit deals for new financing requests of limits no less than $500,000 which entailed in-depth analysis of financial statements and ensuring Anti money laundering practices were adhered to.
I also ensured completion of internal reporting and compliance requirements as well as referral opportunities to our business partners and providing support to clients in absence of Account Manager.
I orchestrated multiple fund raising events to support local charities as well as team building events.
Overview
18
18
years of professional experience
Work History
Financial Analyst
TD Commercial Business Bank
Grande Prairie, Alberta
09.2015 - 03.2024
- Reviewed financial documents and records to assess accuracy and compliance with applicable laws, regulations, and standards.
- Conducted detailed analysis of clients' current financial situation, including risk assessment and cash flow management.
- Prepared annual performance reviews for existing clients, detailing their current financial position.
- Prepared new performance reviews for prospect clients, detailing their current financial position on new financing requests.
- Prepared monthly reporting for management.
- Referral opportunities to Business Partners.
- Completion of the Agriculture Lenders Workshop in 2017, where my team took first place for the presentation.
- Recipient of two ACE (Achievement in Credit Excellence) awards for credit presentation.
- Prepared quarterly performance reports for existing clients detailing the progress of their investments over time.
Centralized Sales and Service Administrator
TD Canada Trust
Grande Prairie, Alberta
07.2013 - 09.2015
- Provided administrative support to service team by preparing and maintaining records, documents, and reports.
- Performed routine audits of internal controls in order to maintain accuracy.
- Prepared detailed reports on service activities for management review.
- Ensured compliance with applicable laws and regulations related to service operations.
Financial Advisor/Financial Service Representative
TD Canada Trust
Grande Prairie, Alberta
05.2011 - 06.2013
- Conducted detailed analysis of clients' current financial situation, including risk assessment, cash flow management, and retirement planning.
- Monitored client portfolios to ensure that recommended investments remain in line with their goals and objectives.
- Attended continuing education seminars to stay abreast of changes in the industry regulations and best practices.
- Communicated regularly with clients via phone regarding their financial matters.
- Managed relationships with outside vendors such as attorneys, accountants, when necessary.
- Collaborated closely with internal departments such as operations and compliance teams during audits and reviews.
- Explained various types of loans available to customers and their associated terms and conditions.
- Interacted with underwriters, appraisers, title companies. during the processing of a loan application.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Obtained my Mutual Fund License and Branch Compliance Officer credentials to perform duties.
Customer Support Officer
TD Canada Trust
Grande Prairie , Alberta
06.2009 - 04.2011
- Engaged in conversation with customers to understand needs, resolve issues and answer product questions.
- Resolved customer complaints in a timely manner.
- Upsold additional products and services when appropriate.
- Maintained up-to-date knowledge of company products, services, procedures, and regulations.
- Monitored incoming calls and responded accordingly.
- Oversaw booking of client appointments by understanding needs and delegation to appropriate sales team.
Customer Service Representative
TD Canada Trust
Weyburn, Saskatchewan
08.2007 - 05.2009
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Answered incoming calls, providing frontline customer support or assistance with product and service transactions.
- Remained calm and professional in stressful circumstances and effectively diffused tense situations.
- Supported sales team members to drive growth and development.
- Promoted available products and services to customers during service, when deemed appropriate.
- Mentored junior team members and managed employee relationships.
- Reconciliation of cash against end of day report.
General Manager
Weyburn Inn
Weyburn, Saskatchewan
01.2006 - 03.2007
- Managed all aspects of daily business operations including budgeting, staffing, scheduling, inventory control, customer service and sales.
- Ensured compliance with local health department regulations regarding food safety standards.
- Resolved customer complaints quickly while maintaining high quality standards of service delivery.
- Recruited, interviewed and hired qualified staff for open positions.
- Worked closely with owners to capitalize on better practices.
Education
Agriculture Lenders Workshop
Olds College
Olds, AB06-2017
High School Diploma -
Weyburn Comprehensive School
Weyburn, SK06-1990
Skills
- Critical Thinking Abilities
- Effective Communication and Listening skills
- Effective Time Management
- Strong Organizational Skills
- Ability to meet deadlines
- Complex Financial Analysis of Accountant Prepared Financial Statements
Affiliations
- horseback riding
- Kayaking
- Camping
Accomplishments
- Recipient of two ACE awards (Achievement in Credit Excellence)
- First place of team in the Agriculture Lending Workshop
References
References available upon request.
Timeline
Financial Analyst
TD Commercial Business Bank
09.2015 - 03.2024
Centralized Sales and Service Administrator
TD Canada Trust
07.2013 - 09.2015
Financial Advisor/Financial Service Representative
TD Canada Trust
05.2011 - 06.2013
Customer Support Officer
TD Canada Trust
06.2009 - 04.2011
Customer Service Representative
TD Canada Trust
08.2007 - 05.2009
General Manager
Weyburn Inn
01.2006 - 03.2007
Agriculture Lenders Workshop
Olds College
High School Diploma -
Weyburn Comprehensive School
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