Minnette Bernardo
Surrey,Canada
Summary
Forward-thinking Advice Specialist brings more than 10 years of experience in mutual fund investment, life insurance, and retail banking in financial industry sector. Expertise in problem solving, administrative, and customer service skills. Adept at quickly learning new technologies and processes for driving success.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Member Advice Specialist
Coast Capital Savings
01.2024 - Current
- Follow all company policies and procedures to deliver quality work.
- Administer and daily process banking transactions such as investment, lending, new membership applications, and GIC renewal.
- Engaging with new and existing clients on a regular basis to better understand their short- and long-term financial goals.
- Educate clients on various financial matters and provide professional recommendations on mutual fund / GIC investment opportunities, products, and services based on each client's individual needs.
- Facilitate the new client onboarding process and mutual fund/GIC investment account setup.
- Advise clients on portfolio allocation and various investment types for both registered and non-registered products.
- Ensure compliance with industry regulations and company policies while serving clients'' best interests.
- Assisted prospective borrowers in understanding various types of secure and unsecured loans available along with their pros and cons, thus enabling them to make informed decisions.
- Collaborate with the retail credit team to negotiate better terms for clients, resulting in higher approval rates.
- Develop strong relationships with clients to gain referrals and repeat business, driving branch growth and profitability.
Money Advisor
Gulf &Fraser Credit Union
08.2021 - 01.2024
- Build relationships with credit union members, including seeking out new members and opening new accounts, along with maintaining positive and productive relationships with existing members
- Analyzed members/clients’ financial goals, providing individualized advice, and recommending appropriate products, services, and alternatives to help them meet their financial goals
- Provided full-cycle account services including processing general banking investment, estate, lending needs, mortgage renewals, construction mortgage fund draw request and resolving account issues
- Handled Registered accounts (RRSP, TFSA, RESP, RIF) from opening to investment
- Proactively connects with members to identify needs as well as seek opportunities for additional and future business and strengthen members’ banking relationships with Gulf and Fraser
- Collaborated with branches and other departments, and provides referrals to product specialists, to ensure a superior member experience and increase business across the credit union
- Build and maintained a professional network within the branch and local community and represents Gulf and Fraser as a positive community partner
- Engaged in business development activities to bring new business to the newly open Gulf and Fraser Guildford branch
- Experience and process secured/unsecured lending (Credit Cards, Line of Credit, both secured and unsecured, and Mortgages)
- Assess daily reports like overdraft, new accounts, outages on registered plans, and BI reports
- Then provide necessary action in CRM (Salesforce) or DNA Fiserv
Financial Advisor
SunLife of Canada, Philippines
01.2011 - 03.2020
- Managed a portfolio of 100 + clients with high persistency rates
- Conducted presentations on financial literacy to corporate groups and individuals
- Provided recommendations to prospective Sun Life clients on Mutual investment opportunities, Insurance products and services based on client needs and asset availability
- Excellent in building relationships with customers through loyal and dedicated after-sales service
- Exuded professional expertise and resourcefulness to gain trust and confidence of clients, managers, and co-workers
- Kept abreast of financial impact of clients' life changes to meet needs and explore new areas of growth
- Answered clients' questions regarding details of financial plans and strategies and explained data in easy-to-understand terms
- Do the initial underwriting
- Ensure that account requirements are fulfilled, including any necessary medical examinations, accurate documentation and completion of appropriate forms that is with Sun Life’s regulations and business.
Team Leader- Improvement Process
Shell Shared Services
06.2008 - 12.2010
- Managed 4 projects and tasks, ensuring high quality and timely delivery
- Coordinated with leaders across various functional teams under the Shell Data department
- Utilized Lean techniques to identify different issues and devise process improvements to increase FTE utilization to 95%, resulting in significant cost reduction and productivity boosts
- Identified and assigned resources based on project milestones, deliverables and prioritization
- Provided awareness and understanding of overall project portfolio, interactions and issues to team members and stakeholders
- Oversaw day-to-day operations such as Controls Management and Issue Management
- Continuously cultivated and strengthened relationships with stakeholders
- Supervised a team of 10 employees working with different data issues on Retail, Product, Finance, Vendor/Materials and Customer
- Fostered positive team culture through effective communication, training and development coaching.
Education
Masters in Business Administration -
University Canada West
09.2021
Skills
- Lending /Mortgage Renewals / Construction Mortgage fund draw
- Experience in Mutual Funds Investment
- Expert in all Canadian-registered plans
- Financial Planning
- Experience in Life Insurance
- Project Management
- Underwriting of Life insurance / Lending
- Experience in Banking / Credit union
- Bilingual (Fluent in English and Tagalog)
- Build relationship and great in client Management
- Tech Savvy and excellent in sharing knowledge
- Passion for Customer Service and Sales
- Experts in Multi-tasking and problem solving
- Excellent Organizational skills and time management
- Team Player
Trainingdates
- 01/2024
- 01/2024
- 04/2024
- 06/2024
- 06/2021
- 06/2021
Training
- Anti-Money Laundering Refresher
- Data Privacy Policy
- Wealth Foundation (Investment) through World Source
- Retail Lending
- Google Ad Search and SEO
- Digital Marketing Institution (Fundamental of Digital Marketing)
Languages
English
Full Professional
Tagalog
Native or Bilingual
Certification
- Canadian Investment Funds course - IFSE Institute - December 2023.
- CUIC 240 - Fundamentals of Financial Planning Certificate - June 2023
- Personal Financial Planning - University Canada West - June 2021
Timeline
Member Advice Specialist
Coast Capital Savings
01.2024 - Current
Money Advisor
Gulf &Fraser Credit Union
08.2021 - 01.2024
Financial Advisor
SunLife of Canada, Philippines
01.2011 - 03.2020
Team Leader- Improvement Process
Shell Shared Services
06.2008 - 12.2010
Masters in Business Administration -
University Canada West
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