Michael Joseph Tobin
Toronto,Canada
Summary
Ambitious. results-orientated professional with nine years experience in the banking industry. Proficient in business development, credit analysis, and relationship management, with a prove track record of exceeding performance targets.
Overview
5
5
years of professional experience
Work History
Account Manager, Commercial Banking
TD Bank
10.2021 - Current
- Managed a diverse portfolio of commercial clients, ensuring timely delivery of products and services.
- Responsible for structuring credits and presenting comprehensive risk analysis on proposed financial transactions.
- Developed relationships with customers, partners, and centers of influence, to win market share and obtain new customers for the bank.
Account Manager, Small Business Banking
TD Bank
06.2019 - 10.2021
- Business development and relationship management role.
- Developed credit and business analysis skills via the assessment of financial statements and preparing credit proposals for presentation to clients and the bank's risk department.
- Cultivated internal and external networks in order to identify and secure new business opportunities for the bank.
Small Business Lending Advisor
Bank of Ireland
10.2018 - 04.2019
- Responsible for assessing business client's banking activities, gaining a thorough understanding of business operations, and providing credit solutions that catered towards client's financial & banking needs.
- Developed credit acumen by analyzing financial statements and determining debt service capacity for businesses.
- Consistent pipeline management of approved deals in order to progress deals to funding.
Education
Masters of Law (LLM) -
National University of Ireland, Maynooth
Maynooth, Ireland09.2013
Bachelor of Civil Law (BCL) -
National University of Ireland, Maynooth
Maynooth, Ireland05.2012
Skills
- Credit Risk
- Business Development
- Relationship Management
- Credit Structuring
- Financial Analysis
- Communication
- Time Management & Organization
- Teamwork
Accomplishments
- Business Banker Q4 2023 Summit Winner.
- Business Banker 2021 Annual Summit Award.
- Business Banker 2020 Annual Summit Award.
- Awarded 7 Ace Awards for high-quality credit submissions as an Account Manager, Small Business Banker.
- Awarded a Certificate of Excellence in Professionalization (Bank of Ireland) for achieving the highest grades in Ireland for the Qualified Financial Advisor (QFA) exams.
Timeline
Account Manager, Commercial Banking
TD Bank
10.2021 - Current
Account Manager, Small Business Banking
TD Bank
06.2019 - 10.2021
Small Business Lending Advisor
Bank of Ireland
10.2018 - 04.2019
Masters of Law (LLM) -
National University of Ireland, Maynooth
Bachelor of Civil Law (BCL) -
National University of Ireland, Maynooth
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