Jammie De Lima Oliveira
Https://www.linkedin.com/in/jammie-de-lima-oliveira-a72389172/
Summary
Senior Credit Manager with extensive experience in credit policy development and strategic planning at EdenPark Vehicle Finance, a division of Fairstone. Demonstrated success in credit risk management and team leadership, driving operational efficiency improvements. Expertise in data analysis and regulatory compliance, with a strong focus on mentoring staff to achieve high performance.
Overview
23
23
years of professional experience
Work History
Senior Credit Manager
Fairstone (EdenPark Vehicle Finance)
Montreal, QC
08.2023 - Current
- Developed policies that enhanced credit decision-making processes.
- Supervised over 35 credit analysts and 4 managers in daily operations.
- Analyzed market trends to inform risk management strategies.
- Implemented credit scoring models, streamlining credit approval processes.
- Evaluated business practices to assess risk and create mitigation plans.
- Coordinated with external auditors during annual compliance reviews.
- Created monthly reports on outstanding credits for senior management presentations.
- Identified improvement opportunities in internal processes for credit line approvals.
Credit Manager
Fairstone (EdenPark Vehicle Finance)
Etobicoke, ON
02.2023 - 08.2023
- Developed and implemented credit policies to reduce financial exposure.
- Evaluated customer creditworthiness in collaboration with sales teams.
- Trained junior staff on credit evaluation techniques for improved accuracy.
- Resolved disputes regarding credit terms and payment issues efficiently.
- Ensured compliance with industry regulations and internal guidelines.
- Created standard operating procedures and trained credit personnel to enhance efficiency.
- Supervised a high-performing credit department of over 20 staff members, fostering accountability.
- Collaborated across functions with sales and management to maintain operational effectiveness.
Credit Supervisor
EdenPark Vehicle Finance
Etobicoke, ON
04.2019 - 02.2023
- Supervised credit approval processes to ensure adherence to regulatory standards.
- Managed team performance, achieving efficiency objectives for loan request processing.
- Coordinated communication between sales teams and finance departments to enhance operational flow.
- Implemented policies to strengthen compliance with financial regulations and internal procedures.
- Developed training programs for credit personnel, ensuring comprehensive understanding of compliance protocols.
- Collaborated with sales staff on customer credit requests, analyzing payment patterns for risk assessment.
Senior Credit Analyst
EdenPark Vehicle Finance
Etobicoke, ON
05.2017 - 04.2019
- Conducted comprehensive analysis of credit applications to assess risk and recommend financing solutions.
- Mentored junior analysts on best practices in credit assessment and reporting methodologies.
- Developed detailed reports summarizing credit evaluations for management review.
- Delivered training sessions on implementation of credit policies and procedures.
- Collaborated with upper management to provide insights into credit decision-making processes.
- Prepared preliminary credit analyses to evaluate client creditworthiness and compliance.
- Ensured adherence to regulatory requirements during the credit approval process.
- Utilized credit scoring models to rank clients based on credit risk.
Credit Supervisor
Santander (previously Carfinco)
Edmonton, Canada
01.2015 - 05.2017
- Consulted with vehicle dealerships nationwide to resolve complaints and verify financial transactions.
- Reviewed loan agreements for completeness and compliance with company policy.
- Established and enforced credit policies and procedures in collaboration with senior management.
- Supervised loan personnel team of 20, conducting monthly performance reviews and audits.
- Interviewed, hired, and trained new employees while managing scheduling for credit team.
- Reviewed consumer proposal documentation and coordinated with trustees to confirm applicant obligations prior to lending.
- Maintained and updated daily production spreadsheets for management review.
Senior Credit Analyst
Santander (previously Carfinco)
Edmonton, Alberta
03.2014 - 01.2015
- Compiled and analyzed credit information from Equifax and TransUnion to assess lending risk.
- Approved loans within specified limits; referred applications exceeding limits to management.
- Collaborated with cross-functional teams to enhance credit evaluation processes.
- Mentored junior analysts on best practices for credit assessment and analysis techniques.
- Presented critical information to upper management for informed loan recommendations.
- Implemented risk assessment techniques to detect potential fraud, denying suspicious applications.
Junior Credit Analyst
Santander (previously Carfinco)
Edmonton, Alberta
03.2013 - 03.2014
- Assessed financial risk and creditworthiness through detailed analysis of credit applications.
- Collaborated with team members to enhance efficiency of credit assessment processes.
- Maintained up-to-date credit files in compliance with regulatory standards.
- Communicated findings to senior analysts for informed decision-making.
- Cultivated strong relationships with colleagues across various departments.
- Gained extensive knowledge of bank policies and regulatory requirements in lending.
- Conducted training sessions for junior analysts on KYC, AML regulations, and consumer protection laws.
Bridal Consultant
Svitlana Dresses
Edmonton, Canada
10.2012 - 08.2013
Spa Manager
Spa Day
Edmonton, Canada
07.2008 - 07.2011
Banquet Manager
Palace Banquets
Edmonton, Canada
06.2002 - 07.2007
Education
Small Buisness Mangement Diploma -
ASHWORTH COLLEGE
Norcross, GASpecial Events Management Diploma -
NAIT
Edmonton, AlbertaWedding Planning Diploma -
NAIT
Edmonton, AlbertaSkills
Credit policy development
Regulatory compliance
Data analysis
Relationship management
Strategic leadership
Performance-driven coaching
Training and development
Credit risk assessment
Conflict resolution
Delinquency monitoring
Volunteer Experience
- Partnered with the Edmonton Food Bank by sorting, preparing, and packaging food hampers for distribution to individuals and families in need, supporting food security efforts within the local community.
- Partnered with the Bissell Center by preparing and distributing meals to community members during the holiday season, supporting individuals and families facing poverty and homelessness with compassion and dignity.
- Assisted the Edmonton City Police through educational outreach initiatives, delivering drug awareness and prevention presentations to Edmonton Public Schools
- Supported CEASE (Centre to End All Sexual Exploitation) through sponsorship and educational initiatives, empowering women affected by sexual exploitation and helping to raise awareness, promote dignity, and support long-term recovery and independence.
- Organized, planned, and executed the annual fundraiser “Jessie’s Chair-ity Bike Run” in support of the Stollery Children’s Hospital Foundation, raising funds to enhance pediatric care and services.
Accomplishments
Silver Parity Award: Firestone's Women's Network Comity, 2024, 2025
Fairstone Value Award: Fairstone, 2024
Fairstone Q3 Ovation Award: Fairstone, 2023
Company Culture Award: EdenPark, 2022
Languages
English
Native/ Bilingual
Portuguese
Limited
Timeline
Senior Credit Manager
Fairstone (EdenPark Vehicle Finance)
08.2023 - Current
Credit Manager
Fairstone (EdenPark Vehicle Finance)
02.2023 - 08.2023
Credit Supervisor
EdenPark Vehicle Finance
04.2019 - 02.2023
Senior Credit Analyst
EdenPark Vehicle Finance
05.2017 - 04.2019
Credit Supervisor
Santander (previously Carfinco)
01.2015 - 05.2017
Senior Credit Analyst
Santander (previously Carfinco)
03.2014 - 01.2015
Junior Credit Analyst
Santander (previously Carfinco)
03.2013 - 03.2014
Bridal Consultant
Svitlana Dresses
10.2012 - 08.2013
Spa Manager
Spa Day
07.2008 - 07.2011
Banquet Manager
Palace Banquets
06.2002 - 07.2007
Small Buisness Mangement Diploma -
ASHWORTH COLLEGE
Special Events Management Diploma -
NAIT
Wedding Planning Diploma -
NAIT