Summary
Overview
Work History
Education
Skills
References
Comments
Hobbies and Interests
Timeline
Generic

Christina Dubois

WPG,Canada

Summary

Highly motivated finance professional with a proven track record at Caisse Financial Group LTD, excelling in analytical reasoning and employee/customer relationships. Highly satisfactory problem-solving and customer service, significantly enhancing member satisfaction and credit portfolio growth. Experience in the past in team leadership including stepping up to accept more responsibilities by assisting the Winnipeg lenders with the proper assistance and guidance when they had credit related questions whilst consistently delivering positive results. This was a temporary position to assist in my branch manager's absence at the time and to assist with more efficient flow for the Winnipeg branches.

My objective is to work in an environment that strives on valuing their employees by encouraging and showing appreciation for their efforts and dedications in their role with the company while assisting with company growth.

Overview

26
26
years of professional experience

Work History

Personal Finance Advisor

Caisse Financial Group LTD/Assiniboine Credit Union/Caisse Assiniboine
Provencher Branch
08.2018 - Current
  • Communicating with members on a daily basis, providing financial advice on credit and referring them to the proper staff for other financial needs
  • Demonstrated analytical, judgment and decision-making skills along with the ability to cross sell or refer to other departments to benefit the member
  • Preparing all documentation regarding credit, investments and opening of accounts as well as all admin work pertaining to our members
  • Key employee for mortgage broker referrals

Branch Manager

Caisse Financial Group LTD
Ste Anne, Richer, South Junction
09.2012 - 01.2018
  • Responsible for the overall operations of the 3 branches
  • Direct supervision and motivation of member service staff
  • Interviewing prospective employees and making hiring decisions
  • Evaluate performance of subordinate staff identifying training and development needs and initiate disciplinary actions if necessary
  • Establish and conduct training and development programs for new and seasoned employees and provide direction in all areas of member service functions
  • Responsible for ensuring all policies and procedures are followed (Fintrac, Consumer Lending, Deposits, etc) and reviewing such with staff on a weekly and monthly basis
  • Responsible in developing and managing consumer loan portfolios for my lenders as well as conducting my own loan interviews with existing and prospective members
  • Following up on all branch delinquencies – ensuring proper follow up is being maintained
  • Responsible for all staff issues, proper handling of complaints and resolving issues
  • Maintaining all absences, vacations, scheduling in all 3 branches
  • Handle all member complaints and finding resolutions to the problem
  • Ensure routine audits and controls are in place for all member service functions
  • Monitor cash flow and maintain adequate levels of cash to meet branch requirements while adhering to policy and limits
  • Ensure that GLs / ATM / and cash for the department are balanced daily
  • Review daily reports / credit / member service
  • First resource person in dealing with Estate accounts
  • First resource person in dealing with registered and non-registered products (RRSPs,TFSAs, RRIFs, GICs)

Personal Financial Advisor

Caisse Financial Group LTD
Dakota Branch
10.2010 - 09.2012
  • Meeting members on a daily basis, analyzing, approving and granting consumer credit, always respecting limits, complying with policy, procedures and margining ratios; according to risk ratings
  • Presenting files to management for approval if outside my authorization limits
  • I am very knowledgeable in regards to our lending policy
  • Demonstrated analytical, judgment and decision-making skills along with the ability to cross sell or refer to other departments to benefit the member
  • CMHC submissions / conventional mortgage lending
  • Preparing all loan documentation; Mortgage Instructions, Mortgage Loan Commitments, promissory notes, cost of credit, prepayment provisions etc…
  • Work with Technicost (loan originating system)
  • Property assessment searches (Manitoba Assessment Online, City of Winnipeg)
  • Conducting own PPR and Title searches at the Personal Property Registry Office and Land Titles Office
  • Knowledge of Caisse products (Visa, Life and Disability Insurances, etc)
  • Maintaining contact with delinquent or overdrawn members
  • Verifying daily reports, delinquencies / overdrafts
  • Monthly loan reports – mortgage and loan renewals, line of credit renewals
  • Maintaining a professional and confidential atmosphere at all times
  • Very attentive to details
  • Working with Microsoft programs on a daily basis (Office, Excel, Outlook)

Personal Financial Advisor

Caisse La Prairie LTD
St Pierre Jolys, MB
09.2009 - 10.2010
  • Meeting members on a daily basis, analyzing, approving and granting consumer credit, while following internal policies and guidelines
  • Presenting files to management for approval if outside my authorization limits
  • CMHC submissions / conventional mortgage lending
  • Preparing all documentation necessary in granting credit
  • Conducting own PPR and Title searches at the Personal Property Registry Office and Land Titles Office
  • Very attentive to details
  • Maintaining contact with delinquent or overdrawn members
  • Line of credit renewals
  • Verifying daily reports, delinquencies / overdrafts
  • Ensuring the branch was reporting the necessary transactions and complying with Verafin / Fintrac rules creating/verifying reports
  • Scheduling of front line staff, ensuring proper staffing for vacations and regular business days
  • Ensuring that the days rolled accordingly and the work at hand got completed and with no issues
  • Often assisted them on cash duties when the work was overwhelming for them
  • Proud to have been a good team leader, and player
  • In the absence of the branch manager, preparing and sending time sheets to our head office, including pro-rating stat holidays for staff that were not full time
  • Balancing of general ledgers
  • Addressing staffing dilemmas and issues, discussing it with staff and trying to resolve or come to a conclusion on how to resolve the situation
  • Opening of RRSP and Tax Free Savings contracts and different investment options
  • Maintaining a professional and confidential atmosphere at all times
  • Working with Microsoft programs on a daily basis (Office, Excel, Outlook)

Consumer Loans Officer

Community Credit Union LTD
Grunthal, MB
01.2005 - 01.2009
  • Meeting members, analyzing, approving and granting consumer credit on a daily basis while following internal policies and guidelines
  • Presenting files to management for approval if outside my authorization limits
  • CMHC submissions / conventional lending for mortgages
  • Preparing all documentation in regards to mortgage lending: eg- Mortgage Amending Agreements, Loan Commitments, etc
  • Worked with Criterion (lending system)
  • Proficiency in working with Profile (Kea) credit union system
  • Conducting own PPR and Title searches at the Personal Property Registry Office and Land Titles Office
  • Maintaining contact with delinquent or overdrawn members
  • Provided financing services to Mortgage Brokers, primarily Verico One Link Mortgage and Financial
  • Daily overdraft report
  • Balancing monthly premiums for life / disability insurance
  • Monthly printing of loan renewal report as well as preparing letters to members
  • Line of credit renewals

Member Service Representative

Caisse Provencher LTD
St Pierre, MB
01.2000 - 01.2005
  • Responsible for maintaining and balancing a cash drawer on a daily basis
  • Basic responsibilities of a front line staff: opening accounts, deposits, transfers, RRSPs, Term Deposits
  • Clearing duties
  • Wire transfers
  • Preparing monthly statements

Member Service Representative

Caisse St Boniface
Iles des Chenes, MB
01.1999 - 01.2000
  • Responsible for maintaining and balancing a cash drawer on a daily basis
  • Basic responsibilities of a front line staff: opening accounts, deposits, transfers, RRSPs, Term Deposits

Education

Consumer Lending and Residential Mortgages Course -

01.2004

Skills

Problem solving

Analytical reasoning

Attention to detail

Time management/Organizational skills

Client relationships

Active listening

Excellent customer service

References

References can be provided upon request.

Comments

I have worked in the financial industry for the past 26 years. I am a hard worker, highly motivated and I take initiative in being precise and efficient.  I am a very hands on person, and when given a task I complete it efficiently and promptly. I have worked in customer service for most of my life and recognize the importance of providing excellent service and building lasting business relationships. I work well independently and with others.

Hobbies and Interests

My hobbies include crafting and spending time with my grown daughters and my grandson!

Timeline

Personal Finance Advisor

Caisse Financial Group LTD/Assiniboine Credit Union/Caisse Assiniboine
08.2018 - Current

Branch Manager

Caisse Financial Group LTD
09.2012 - 01.2018

Personal Financial Advisor

Caisse Financial Group LTD
10.2010 - 09.2012

Personal Financial Advisor

Caisse La Prairie LTD
09.2009 - 10.2010

Consumer Loans Officer

Community Credit Union LTD
01.2005 - 01.2009

Member Service Representative

Caisse Provencher LTD
01.2000 - 01.2005

Member Service Representative

Caisse St Boniface
01.1999 - 01.2000

Consumer Lending and Residential Mortgages Course -

Christina Dubois