A focused professional, with excellent interpersonal and observational skills. Thrive in fast-paced, high-pressured environment by upholding a strong sense of integrity and ethical demeanor while maintaining excellent rapport with clients.
Overview
13
13
years of professional experience
Work History
Business Advisor
Royal Bank of Canada
05.2023 - Current
Assess the creditworthiness of small business clients by analyzing financial statements, cash flow, credit reports, and business performance trends.
Structure and recommend lending solutions within an individual lending authority of up to $100,000, balancing client needs with appropriate risk levels.
Prepare and submit complete, policy-compliant credit applications, identifying key risks and justifying recommendations with financial rationale.
Apply internal credit policies, risk frameworks, and lending guidelines to ensure sound, responsible lending decisions.
Collaborate with credit adjudicators, my team manager and coach to review complex applications, providing supporting analysis and client insights.
Maintain high compliance standards and documentation accuracy, contributing to successful audits and quality reviews.
Actively contribute to sales growth while ensuring credit decisions align with risk appetite and long-term portfolio health.
Remain current on economic trends, industry risks, and market conditions impacting small business lending.
Expert Banking Advisor
Royal Bank of Canada
01.2020 - 04.2023
Assist new and existing clients with their personal borrowing and investment needs, use a client-focused approach to provide advice and propose solutions that meet clients’ need with the goal of retaining and deepening client relations.
Through keen listening with meaningful discussions and silent discovery, identify and understand clients’ financial goal and ensure quality advice is given to address those needs.
Always provide a ‘best fit’ approach based on clients’ financial goal/need and offer the most suited credit and/or investment product.
Equally ‘be in the moment with the client’ and ensure they have a full understanding of credit or investment product offering.
Execute loan origination process by analyzing clients’ financial status, investigate and interpret personal information provided by each client including income documents, credit reports, property evaluations and appraisals to determine feasibility of granting credit.
Open registered and non-registered investment accounts.
As a licensed Mutual Funds representative provide advice to clients that hold mutual funds with RBC.
Leverage tools and platforms such as RBC Global Asset Mgmt website and MyAdvisor to assist with providing investment advice to clients.
Exercise multitasking roles such as incorporating tools, resources, and materials to enhance the recommendations provided to clients, in addition to leveraging with different departments where necessary.
Outbound/Inbound/Senior Digital Banking Advisor
Royal Bank of Canada
01.2017 - 01.2020
Consistently deliver efficient and effective client experience on all calls by integrating tools, calculators, resources, and banking software platforms in the conversation to support advice I offer to clients.
Deliver an exceptional client experience by providing digital advice on every client interaction using RBC’s Online Banking/Mobile Banking platforms.
Take ownership of clients’ problem at first point of contact to ensure clients have that piece of mind and assurance the issue will be resolved, using problem solving and conflict prevention skills.
Articulate the value proposition and demonstrate to clients how to use new and existing digital enhancements (RBC mobile app, RBC wallet app, Online Banking) across all devices (I-phones, Androids, Desktops and Tablets).
As a team player, actively participate in activities that will enhance the team efficiencies and purpose to win as one RBC.
Proactively educate clients on offers and opportunities that appear on their profile and assist in enabling these offers where possible.
Customer Service Manager
Walmart Brampton
01.2015 - 01.2016
Provided product/service information and resolved emerging problems customers may face with accuracy and efficiency. Accepted money or other means of payment from customers for items purchased. Processed Walmart MasterCard Applications.
Build rapport successfully with customers to provide information about products and services by asking qualifying questions, resulting in increased sales and repeat business.
Consistently met and exceeded targets by upselling company credit card through developing rapport with customers and assisting with credit card applications maintaining a 70% increase in sales.
Delivered exceptional customer service, making each customer feel welcomed at first point of contact with a smile and a welcome greeting.
Fiscal Economist
Ministry of Finance and Planning
01.2012 - 01.2014
Daily monitored the performance of Central Government Operations, prepared Central Government cash flow statements. Undertook a wide range of analyses related to fiscal policy in relation to the Government’s fiscal policy programme.
Successfully maintained good working relationships with all Government bodies to ensure targets were met and management received quality information to make strategic decisions.
Answered all queries effectively and promptly maintaining accuracy while communicating complex information to management and staff.
Analyzed source documents by compiling, sorting, and verifying data, and made corrections as identified.
Assisted in publication and development of policies and procedures to streamline information ensuring staff worked in collaboration with each other.
Customer Service Representative/Courier and Archiving at (RBC)Royal Bank Of Canada/Antigua Commercial BankCustomer Service Representative/Courier and Archiving at (RBC)Royal Bank Of Canada/Antigua Commercial Bank