Christopher Vieira
Etobicoke,ON
Summary
Results-oriented Financial Professional with a strong background in credit analysis and collections within the automotive finance industry . Proven expertise in evaluating credit risk, interpreting complex financial data, and delivering strategic recommendations that support organizational growth . Adept at balancing risk mitigation with relationship management to ensure compliance and profitability .
Overview
18
18
years of professional experience
2017
2017
years of post-secondary education
Work History
Credit Analyst
Nissan Canada Finance
Mississauga, Ontario
06.2025 - Current
- Credit Risk Assessment: Evaluate consumer and commercial loan applications to determine creditworthiness, minimizing risk exposure while facilitating vehicle financing objectives .
- Financial Analysis: Analyze comprehensive financial documentation, including credit bureaus and payment histories, to execute informed decisions regarding loan approvals, terms, and conditions .
- Strategic Collaboration: Partner with automotive dealer networks and internal stakeholders to streamline the application process, resolve documentation discrepancies, and ensure efficient workflow .
- Reporting & Compliance: Prepare detailed credit reports for senior management and loan committees while ensuring strict adherence to company lending policies and financial regulations .
Collections Specialist
Nissan Canada Finance
Mississauga, ON
10.2023 - 06.2025
- Managed recovery of outstanding debts through strategic negotiations with debtors.: managed debtor accounts by evaluating customer financial situations and negotiating tailored repayment solutions to maximize recovery and reduce delinquency .
- Customer Relations: Maintained a professional and calm demeanor during high-pressure collection calls, focusing on retaining customer goodwill while enforcing payment obligations .
- Investigative Trace Work: Utilized advanced skip tracing techniques and investigative tools to locate elusive debtors and re-establish contact .
- Asset Management: Initiated escalation protocols, including repossession processes or service disconnections, when all other collection avenues were exhausted .
Career Sabbatical
N/A
01.2008 - 10.2022
- Implemented health strategies to facilitate a smooth transition back to work.
Education
Yorkdale Adult Learning Centre
Toronto, ONSkills
Credit Risk Management & Analysis
Financial Statement Evaluation
Regulatory Compliance & Decision Making
Relationship Management & Negotiation
Skip Tracing & Information Verification
Risk Mitigation Strategies
Timeline
Credit Analyst
Nissan Canada Finance
06.2025 - Current
Collections Specialist
Nissan Canada Finance
10.2023 - 06.2025
Career Sabbatical
N/A
01.2008 - 10.2022
Yorkdale Adult Learning Centre