David James Tuck
1657 Beach Grove Road, Delta, British Columbia
Summary
Dependable and results-driven finance professional with 10+ years of sales and management experience, complemented by 2+ years of expertise in commercial lending. Considered a top performer in terms of both deal underwriting volume and underwriting of new lending requests, while maintaining a 100% approval rate for new lending requests.
Overview
17
17
years of professional experience
Work History
Commercial Portfolio Manager
Bank Of Montreal
04.2022 - Current
- Manage multiple commercial lending portfolios exceeding $100,000,000 in loan exposure across various industries, including real estate investment and development, healthcare, hospitality, retail, manufacturing, and construction
- Underwriter for lending requests ranging from $1,000,000 to $15,000,000
- Collaborate with relationship managers to propose financing structures that utilize senior, junior, subordinated, and/or subrogated debt
- Prepare loan application summaries by analyzing financial statements, business plans, macro/microeconomic trends, market analysis, management effectiveness, and collateral quality
- Engage in on-site client visits alongside relationship managers to develop strong connections with key stakeholders
- Designated mentor to junior credit analysts, providing training on bank policies, procedures, and underwriting practices
Credit Analyst
Bank of Montreal
06.2021 - 04.2022
- Focused on underwriting new money requests ranging from $500,000 to $1,000,000
- Conducted thorough risk management assessments through annual reviews by evaluating financial performance, collateral, covenant compliance and margining requirements
- Developed strong comprehension of quantitative and qualitative metrics to determine creditworthiness of clients
- Underwrote an average of 12 annual reviews and loan applications per month
- Acquired a comprehensive understanding of both internal and external banking policies including regulatory compliance, and proper risk controls
Sales Manager
Sher-Lok Fittings Ltd
08.2010 - 09.2019
- Managed 50+ active client accounts
- Negotiated cost-effective agreements with suppliers
- Achieved sales goals and service targets by cultivating and securing new customer relationships
- Met with clients, delivered presentations, and educated them on product and service features and offerings
- Increased profit margins by effectively controlling inventory and optimizing product turns
- Resolved customer issues quickly to close deals and boost client satisfaction
Warehouse Manager
Sher-Lok Fittings Ltd
01.2007 - 07.2010
- Managed inventory of over 10,000 parts
- Kept documentation and records accurate and up-to-date with latest data to prevent errors in processing or delivery
- Coordinated with vendors to verify timely delivery of materials and supplies, avoiding delays
- Improved delivery plans with strong scheduling knowledge, organizational skills, and route development expertise
- Led improvement initiatives to advance operational efficiencies and increase revenue
Education
BBA - Business Management (with Distinction)
British Columbia Institute of Technology
Skills
- Communication: structure clear verbal/written summarizations leading to 100% approval rate of loan requests
- Interpersonal: built a network of COI's resulting in increased lending opportunities
- Problem-Solving: develop solutions to mitigate credit risks and improve portfolio performance
- Critical Thinking: analyze complex information to identify key issues and risks of lending requests
- Organization: effective time management ensuring 100% completion of targets and deliverables
- Management: provide guidance, coaching and feedback to junior employees
- Analytical: experienced in Microsoft Excel and Power BI
Timeline
Commercial Portfolio Manager
Bank Of Montreal
04.2022 - Current
Credit Analyst
Bank of Montreal
06.2021 - 04.2022
Sales Manager
Sher-Lok Fittings Ltd
08.2010 - 09.2019
Warehouse Manager
Sher-Lok Fittings Ltd
01.2007 - 07.2010
BBA - Business Management (with Distinction)
British Columbia Institute of Technology
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