Elizabeth Ivonne Hernandez
Financial Advisor
Winnipeg,Canada
Summary
My skills are not only focused on delivering financial planning and helping members to identify their personal and financial goals, but I also help them to prioritize each of them to manage them in a timely manner. Proven ability to work in a respectful and cooperative manner with individuals of varied backgrounds, cultures and ages. I also make sure that members are comfortable by trusting me and it is easy for me to relate with them to council them with different options once I have identified their needs, not only financial but personal. My objective is to find a job where I can make a difference in the community and utilize my skills and knowledge to help others with my knowledge. Maintained strict confidentiality and handled sensitive information appropriately.
Meticulous professional with expertise in financial management and client counseling. Evaluates client assets and risk tolerance to inform strategies and increase revenue. History of helping clients reach financial goals.
Experienced Financial Advisor bringing expertise in tax law, mutual funds and education planning. Resourceful, hardworking and dedicated to satisfying customers.
Dedicated and organized financial professional with outstanding relationship-building and problem-solving skills. Driven to exceed expectations and operate effectively in fast-paced, high-pressure environments. Self-motivated team player adept at cultivating partnerships and building lasting relationships across all demographics and management levels. Dynamic and reliable with exceptional customer service and communication skills.
Overview
26
26
years of professional experience
Work History
Financial Advisor / Assistant Manager
Caisse Financial Group
Winnipeg , Manitoba
05.2024 - 12.2024
- I help to evaluate and create a comprehensive plan to reach member’s short- and long-term goals
- By planning their financial and personal goals and needs within regards to: Mortgages and lending
- Doing different reports for the branch daily
- Assisted in the preparation of presentations for prospective clients outlining services offered by the firm.
- Ensured compliance with regulatory requirements and adherence to industry best practices.
Consumer Lending Officer/Member Financial Advisor
Steinbach Credit Union
Winnipeg , Manitoba
03.2022 - 05.2024
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Identified areas where process improvements could be implemented resulting in increased efficiency or cost savings.
- Analyzed borrower's financial information, such as income, assets, credit history and debt obligations to determine eligibility for loan approval.
- Performed risk assessment analysis on prospective borrowers using internal scoring systems.
- Monitored customer accounts to identify potential risks or opportunities for additional services.
- Negotiated terms of loans with applicants based on their creditworthiness, available collateral and other factors.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Provided training sessions for junior staff members on topics such as portfolio management techniques or regulatory requirements.
- Performed due diligence activities in order to identify suitable investment opportunities for clients.
- Researched market trends and developed strategies to capitalize on emerging opportunities.
- Evaluated financial statements in order to determine whether a particular security is suitable for a client's portfolio.
Financial Advisor
Assiniboine Credit Union
Winnipeg , Manitoba
10.2020 - 03.2022
- Loans, account openings for personal and business accounts, RRSP, RESP, GIC, TFSA
- Provided ongoing financial advice and adjustments in response to life changes, market fluctuations, and economic trends.
- Collaborated closely with internal departments such as operations and compliance teams during audits and reviews.
- Counseled clients on financial matters and provided recommendations on investment opportunities, products, and services based on client needs and asset availability.
Financial Advisor
TD Bank
Winnipeg , Manitoba
03.2018 - 10.2020
- Loans, account openings for personal and business accounts, RRSP, RESP, GIC, TFSA
- Managed client portfolios to ensure maximum return on investments while minimizing risk.
- Researched and analyzed various funds, stocks, bonds, and other investment products.
- Discussed goals and strategies with potential investors and implemented corrective actions to enhance performance.
- Developed financial plans for clients based on their individual needs and objectives.
Financial Advisor (p/t)
Primerica Financial Services
07.2016 - 03.2018
Executive Administrator Assistant
MORR
07.2016 - 03.2018
- Assist with marketing and advertising decisions and management
- Prepare and send outgoing mail and courier parcels
- Code and file material per the established procedures
- Update and ensure the accuracy of the organization’s databases
- Back-up electronic files using proper procedures
- Coordinate the maintenance of office equipment
- Coordinate repairs to office equipment
- Make travel, meeting, and other arrangements for staff
- Assist with procuring and maintaining appropriate insurance
Premium Banker
HSBC
08.2015 - 06.2016
- Identify and facilitate new clients to cross sell insurance, credit and investments
- Participate in the development of new reports to optimize and follow ups for existing leads
- Prepare weekly reports to update appointments, sales and revenue for mortgages, insurance, investments, new accounts and revolving credit
- Interview and counsel new and existing clients
Letter carrier (F/T)
Canada Post
02.2013 - 08.2015
Mail Clerk (casual)
Canada Post
03.2011 - 02.2013
- Operate portable communication devices
- Load/unload postal vehicle
- Acquire monies for C.O.D
- And signatures for registered mail items
- Complete reports and documentation
- Collect, sort and deliver mail and parcel items to clients
- Work in the plant sorting and distributing mail to different departments, making sure everything is labeled properly, run ML machine to sort regional and national mail
Collection Clerk Unit
Statistic Canada
05.2011 - 07.2011
- Phoning people for Census
Mortgage Broker
Casa-Rea Mortgage & Finance
05.2010 - 04.2011
- Providing clients with mortgages approvals from different financial institutions
Personal Banking Officer
Scotiabank
07.2005 - 03.2009
- Thorough knowledge of the Bank's on-line interactive systems and day-to-day banking, investment and retail lending processing and administration
- Excellent knowledge of techniques to generate quality referrals to different departments and assist in the effective management of client relationships and provide the highest quality client service
Teacher Assistance
School Division # 1
01.2004 - 06.2005
- Teacher Assistance for grades 6 to grade 9
Business Owner/Manager
Santa Cruz Restaurant
01.2003 - 01.2005
- Managed and responsible for 8 to 10 restaurants employees to trained and schedule shifts
- My business responsibilities for: A/P and A/R utilizing quick books software program, as well as faxing, filing, soliciting and setting up seminars and meetings
Regional Leader
Primerica Financial Services
01.1999 - 12.2003
- Managed a team of 15 to 20 agents
- I have several years of experience in selling, motivating and training potential agents to become a Financial Consultant
- Consumer credit granting and administration experience, including the reviewing of credit requests, financial statements, financial documents & subsequent administration of consumer loans
- Coordinate new trainees by screening resumes, interviewing, administering tests and conducting reference checks
- Conduct orientation and training for new recruits: insurance, loans and investments
- Arranged and coordinated meetings, travels and other related matters for the team
- Developed and delivered information sessions for RRSP/RESP
Junior Accountant
South Way Transportation
11.1999 - 03.2000
- I help the accountant with the day-to-day running of the Accounts Office such as: maintain records of invoices and creditors’ payments and keeping records of all transactions
- I was responsible for the preparation of accounts payable, invoices and purchase orders, and petty cash and payroll calculation
- I also had to process checks, maintain filing and invoice monitoring systems, and audit petty cash envelopes
Education
The Camadian Investments Fund Course - Investment Specialist
IFIC
Winnipeg, MB01-2001
Business Management Diploma -
Skills
- CRM software experience
- Asset allocation
- Investment strategies
- Estate planning
- Debt management
- Cash flow management
- Retirement planning
- Wealth management
- Mutual funds
- Sales follow-up
- Stock market expertise
- Financial services
Volunteer Experience
- Junior Accountant Program - Financial Education by SCU
- Teach one at the time - Assiniboine Credit union
- Salvadorian Pavilion Coordinator for Folklorama
- Planting Tree – TD bank
References
References available upon request.
Managementandleadershipskills
- Coordinate new trainees by screening resumes, interviewing, administering tests and conducting reference checks.
- Conduct orientation and training for new recruits regarding insurance, loans and investments.
- Developed and delivered information sessions for personal and business presentations to different ethnic groups of people according to their needs.
- Assist with marketing and advertising decisions and management.
- Mortgage broker and Restaurant Business owner.
Timeline
Financial Advisor / Assistant Manager
Caisse Financial Group
05.2024 - 12.2024
Consumer Lending Officer/Member Financial Advisor
Steinbach Credit Union
03.2022 - 05.2024
Financial Advisor
Assiniboine Credit Union
10.2020 - 03.2022
Financial Advisor
TD Bank
03.2018 - 10.2020
Financial Advisor (p/t)
Primerica Financial Services
07.2016 - 03.2018
Executive Administrator Assistant
MORR
07.2016 - 03.2018
Premium Banker
HSBC
08.2015 - 06.2016
Letter carrier (F/T)
Canada Post
02.2013 - 08.2015
Collection Clerk Unit
Statistic Canada
05.2011 - 07.2011
Mail Clerk (casual)
Canada Post
03.2011 - 02.2013
Mortgage Broker
Casa-Rea Mortgage & Finance
05.2010 - 04.2011
Personal Banking Officer
Scotiabank
07.2005 - 03.2009
Teacher Assistance
School Division # 1
01.2004 - 06.2005
Business Owner/Manager
Santa Cruz Restaurant
01.2003 - 01.2005
Junior Accountant
South Way Transportation
11.1999 - 03.2000
Regional Leader
Primerica Financial Services
01.1999 - 12.2003
The Camadian Investments Fund Course - Investment Specialist
IFIC
Business Management Diploma -
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