Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Timeline
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Laura Morgis

Nobleton,ON

Summary

Experienced and driven Credit Analyst with an impressive background of managing multi-million dollar lending portfolios while providing high quality credit submissions and account management support.

Overview

13
13
years of professional experience

Work History

Credit Analyst, Income Property Finance

Bank Of Montreal
03.2022 - Current
  • Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively of an Upper Mid-Market portfolio while maintaining 100% Portfolio Monitoring scores
  • Minimized the Bank's risk exposure by adhering to internal credit policies and procedures with respect to lending decisions
  • Exercised judgement to identify, diagnose, and solve problems in unique and complex credit granting situations
  • Managed the portfolio effectively while maintaining consistent under annual review threshold, high quality credit submissions, and number one throughput in the country
  • Provided guidance and support to junior team members

Credit Analyst, Diversified Industries

Bank Of Montreal
02.2018 - 03.2022
  • Evaluated the loan and credit needs of Mid-Market & Upper Mid-Market commercial banking clients, taking into consideration all aspects of their financial background in relation to Bank Policies & Procedures
  • Monitored covenants and margins of clients to identify compliance with loan agreements and deteriorating trends
  • Maintained a client focused environment to satisfy and exceed customer needs and expectations
  • Built effective relationships with internal and external stakeholders

Commercial Services Officer

Bank Of Montreal
03.2014 - 02.2018
  • Supported Mid-Market clients by responding to client concerns and inquiries in a professional manner
  • Completed and tracked complex margins for complex and top-tiered clients
  • Explored and identified enhancements and cross-sold opportunities to the appropriate line of business contact

Financial Services Coordinatior

Bank Of Montreal
12.2013 - 03.2014
  • Enhanced client satisfaction by promptly addressing inquiries and providing accurate financial information.
  • Identified customer needs and initiated referrals to colleagues
  • Supported personal bankers with service related issues and sales calls

Customer Service Representative

Bank Of Montreal
03.2011 - 12.2012
  • Proactively identified and provided solutions to customer needs while ensuring compliance and adherence to Bank Policies & Procedures
  • Assisted with branch administration and operations

Education

Bachelor of Science - Chemistry

McMaster University
Hamilton, ON
04.2012

Skills

  • Self-starter
  • Underwriting
  • Ability to work under pressure
  • Risk Mitigation Strategies
  • Verbal and Written Communication
  • Goal-Oriented
  • Portfolio Management
  • Risk Assessment
  • Proficient in LTS, Business Connect, RRT, Livelink

Accomplishments

  • Received F2023 Ambition 2025 Award
  • Received Q4 F2022, Q2 F2023 & Q4 F2023 Spotlight Awards
  • Assisted in the development and testing of the IO Workbook for IPF project and ARM 2.0 Pilot Project and designated Subject Matter Expert of the IO Workbook

Languages

Italian
English

Timeline

Credit Analyst, Income Property Finance

Bank Of Montreal
03.2022 - Current

Credit Analyst, Diversified Industries

Bank Of Montreal
02.2018 - 03.2022

Commercial Services Officer

Bank Of Montreal
03.2014 - 02.2018

Financial Services Coordinatior

Bank Of Montreal
12.2013 - 03.2014

Customer Service Representative

Bank Of Montreal
03.2011 - 12.2012

Bachelor of Science - Chemistry

McMaster University

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Laura Morgis