Summary
Overview
Work History
Education
Skills
Languages
Certification
AWARDS & COMMUNITY
Timeline
Generic

Cynthia Kama

Summary

Analytical and results-driven Product Owner and Commercial Banking professional with over 7 years of experience in business credit, product ownership, and financial analysis. Skilled at translating complex business needs into actionable strategies, leading cross-functional teams, and driving continuous improvement within Agile environments. With a degree in Finance and completion of CFA Level I, I bring a strong foundation in financial principles that support analytical, data-informed, and risk-adjusted decision-making. Recognized for my collaborative approach and ability to partner effectively with stakeholders, I focus on developing solutions that balance client value, and the Bank’s overall goals.

Overview

8
8
years of professional experience
1
1
Certification

Work History

Product Owner, Platform Planning- Prioritization

TD Canada Trust
04.2024 - Current
  • Lead the collection, analysis, and documentation of business requirements, translating strategic objectives into actionable delivery plans.
  • Collaborate with various stakeholders including Policy, Risk, and Technology partners to align platform enhancements with credit strategy goals.
  • Clearly document and communicate solution approaches in Jira Epics and Stories to ensure alignment and understanding across business and technology teams.
  • Present complex problems and recommended solutions to stakeholders — including developers, business partners, and risk teams — to drive consensus and ensure consistent delivery outcomes.
  • Serve as a key communication bridge between business needs and technical execution, promoting transparency, shared accountability, and alignment on key deliverables.

COMMERCIAL BANKING ANALYST

TD Canada Trust
05.2021 - 04.2024
  • Conducted comprehensive financial and market analyses to assess lending request, applying deep understanding of financial concepts — including cash flow modeling, fixed income to guide lending recommendations.
  • Demonstrated strong familiarity with TD’s end-to-end credit lending process, from term sheet issuance and underwriting to the funding process for both Cost of Funds (COF) and CORRA-based loans.
  • Evaluated client credit and relationship RAROC at each Annual review and provided analytical insight to adjust pricing or fees based on the client’s overall relationship profitability and alignment with the Bank’s risk appetite.

COMMERCIAL BANKING ACCOUNT MANAGER

TD Canada Trust
06.2020 - 05.2021
  • Managed a diversified portfolio of business clients, ensuring credit needs were addressed promptly and effectively.
  • Acted as a trusted advisor to clients by articulating pricing structures, rate options, and credit terms, fostering transparency and aligning with profitability goals
  • Demonstrated strong organizational and leadership skills in building sturdy relationships with clients, and other business professionals such as Accountants and Brokers to grow my book of business.

COMMERCIAL BANKING ASSOCIATE

TD Canada Trust
07.2019 - 07.2020
  • Supported credit structuring and underwriting for mid-market clients.
  • Monitored loan portfolio performance, ensuring compliance with financial covenants and internal pricing benchmarks.

PERSONAL BANKING ASSOCIATE

TD Canada Trust
12.2017 - 07.2019
  • Delivered customized lending and investment solutions; underwrote secured and unsecured credit applications.

Education

BBA - Finance

Goodman School of Business, Brock University
St. Catharines, ON
07-2017

Skills

  • Commercial Credit Lending
  • Agile Delivery
  • Stakeholder relationship management
  • Data-driven decision making
  • Risk management

Languages

English
French

Certification

  • CFA Institute – CFA Level I Completed, Level II Candidate (2026)
  • SAFe Product Owner / Product Manager (POPM) Certification – Scaled Agile Framework
  • Certified Associate in Project Management (CAPM) – In Progress (PMI, 2025)

AWARDS & COMMUNITY

Senior Vice President Spot Awards – TD Canada Trust (2020, 2021), Guest Speaker, Financial Literacy Course – Algonquin College (2023)

Timeline

Product Owner, Platform Planning- Prioritization

TD Canada Trust
04.2024 - Current

COMMERCIAL BANKING ANALYST

TD Canada Trust
05.2021 - 04.2024

COMMERCIAL BANKING ACCOUNT MANAGER

TD Canada Trust
06.2020 - 05.2021

COMMERCIAL BANKING ASSOCIATE

TD Canada Trust
07.2019 - 07.2020

PERSONAL BANKING ASSOCIATE

TD Canada Trust
12.2017 - 07.2019

BBA - Finance

Goodman School of Business, Brock University

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Cynthia Kama