Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Israel Collier

Boisbriand,QC

Summary

Enthusiastic,charismatic, Team player with a extensive credit knowledge and risk management experience. Passionate by mentoring and help other to evolve in their best version. Result driven, detailed oriented. Very positive attitude.

Overview

11
11
years of professional experience

Work History

Credit Underwriter

TD Bank
01.2025 - Current
  • Minimized delinquency rates by conducting thorough background checks on potential clients.
  • Achieved a high level of accuracy in analyzing credit applications, resulting in well-informed lending decisions and reduced financial risk.
  • Conducted detailed analyses of financial ratios to accurately determine an applicant''s ability to repay loans on time.
  • Mitigated potential losses by continuously reviewing existing loans for signs of increased risk or deterioration in credit quality.

Senior Credit Advisor

Fairstone Financial
09.2023 - 01.2024
  • Evaluated credit reports to uncover problems and develop strategies for consolidating and reducing client debt.
  • Review credit bureaus, Equifax and TransUnion to analyze possible approvals.
  • Lead the Bilingual team in order better strategize applications count for Quebec.
  • Mentor and lead training portion and follow up new hires post training.
  • Ensure weekly basis touch point about new policies and procedures.
  • Do one on one sessions weekly with my reporting team Individually.
  • Answered over [40] customer communications per day via telephone, email and web chat

Bilingual Credit Manager

CIBC AutoCapital
01.2022 - 08.2023
  • Manager of a 14 analysts bilingual team.
  • Boosted employee satisfaction through regular performance reviews, constructive feedback, and personal development plans.
  • Developed a high-performing team by recruiting top talent, providing ongoing training, and fostering a positive work environment.
  • Work cross-functionally with sales, management and other departments to maintain effective operations.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Led employee relations through effective communication, coaching, training, and development.

District Manager

CIBC AutoCapital
10.2020 - 01.2022
  • Managing over 100 dealerships across my territory
  • Expending the prime and non prime auto business by signing new dealers
  • Visiting dealers quarterly from the most profitable to the less profitable.
  • Help dealers by sending escalations to Income, funding or credit
  • Supervised various locations, enforcing high-quality standards of operation.

Credit Analyst (Level 6)

Scotia Dealer Advantage
10.2018 - 09.2020
  • Adjudicate credit applications and achieve a target of 65 applications daily
  • Receive calls and help dealers with their request and review applications
  • Escalate dealer's request to the credit risk department for exceptions
  • Collaborated with other teams to identify and mitigate risks impacting organization.
  • Reduced delinquency rates with proactive monitoring of clients'' credit performance and timely communication.

Collection Officer low-medium and high risk (Level 5)

Scotia Dealer Advantage
10.2017 - 10.2018
  • Stablish payment arrangements with clients that are defaulting their loan
  • Assigned to high risk clients accounts over 120 days
  • Assisted skip tracing department to find clients who were untraceable
  • Implemented timely escalation procedures when necessary, ensuring prompt attention is given to high-risk accounts.
  • Contacted delinquent members by phone, email and mail to determine reasons for delinquency.
  • Educated customers on credit policies and potential consequences of non-payment, promoting responsible financial behavior.
  • Leveraged strong negotiation skills to secure favorable terms for both the company and its clients during payment negotiations.

Car Dealer Service Specialist II

Automotive Finance Canada
05.2014 - 09.2017
  • Daily collection report, to call the dealers for their daily floorplan payments.
  • Developed strong relationships with clients, resulting in repeat business and referrals.
  • Processed payments and applied to customer balances.
  • Negotiated to collect balance in full.
  • Recognized as a top performer within the team for consistently surpassing goals and maintaining high levels of client satisfaction.

Education

I.T Studies - I.T

Emica
Montreal, QC
08.2005

High School Diploma -

École Marie-Anne
Montreal
01.2004

Skills

  • Very strong analytical skills, outside of box thinking
  • Very good listener and easy to communicate with
  • Very supportive and cheerful
  • Launch of Compass system
  • Financial History Review
  • 1 Sales Representative for Quebec
  • In charge of hiring process
  • Team Management
  • Supervision and Leadership
  • Conflict Resolution
  • Built strong relationships

Languages

English
Native or Bilingual
French
Native or Bilingual
Spanish
Native or Bilingual

Timeline

Credit Underwriter

TD Bank
01.2025 - Current

Senior Credit Advisor

Fairstone Financial
09.2023 - 01.2024

Bilingual Credit Manager

CIBC AutoCapital
01.2022 - 08.2023

District Manager

CIBC AutoCapital
10.2020 - 01.2022

Credit Analyst (Level 6)

Scotia Dealer Advantage
10.2018 - 09.2020

Collection Officer low-medium and high risk (Level 5)

Scotia Dealer Advantage
10.2017 - 10.2018

Car Dealer Service Specialist II

Automotive Finance Canada
05.2014 - 09.2017

I.T Studies - I.T

Emica

High School Diploma -

École Marie-Anne

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Israel Collier