Romuald Kouadio
Summary
Results-driven financial professional with five years of experience in business banking and SME financing. Skilled in analyzing and mitigating risk, structuring complex credit facilities, and leading business development initiatives that drive portfolio growth. Fully Bilingual (EN/FR) with strong communication abilities and a track record of exceeding performance targets. Committed to supporting businesses, strengthening communities, and contributing to sustainable economic development through tailored financial solutions and strategic support.
Overview
4
4
years of professional experience
1
1
Certificate
Work History
Business Account Manager
Scotiabank
06.2024 - Current
- Manage and grow an SME portfolio across Ottawa East - increased portfolio growth by 15% year over year.
- Underwrite and renew $10M+ in credit facilities annually, (operating lines, term loans, and real estate-secured financing).
- Analyze financials and key ratios, structuring deals per risk appetite.
- Develop credit solutions backed by GSA, guarantees, and covenants - achieved an 80% approval rate, maintained arrears below 2%.
- Build strong COI relationships (brokers, accountants, lawyers) - generated steady qualified pipeline through referrals.
- Consistently ranked among quarterly Top Performers in credit quality, sales, and portfolio growth.
Senior Financial Advisor, Personal-Small Business
Scotiabank
11.2022 - 06.2024
- Managed a diverse portfolio of 500+ clients, including high net worth individuals and small business owners across Ottawa East.
- Delivered integrated banking, lending, insurance, and investment solutions - achieved over 200% of sales targets.
- Provided holistic financial planning advice; drove $2M in new assets.
- Supported small businesses with day-to-day banking needs, account openings, and credit facilities up to $150K.
- Arranged complex real estate lending - structured deals up to $1M.
- Contributed to 18% branch revenue growth, earning Top Performer and Best of the Best recognition.
Personal Banking Advisor
Toronto-Dominion Bank
08.2021 - 11.2022
- Provided expert banking advice to help clients achieve their financial goals - maintained a 97% satisfaction score.
- Prepared high quality credit files, analyzing financial data and client profiles - reached a 90% approval rate.
- Supported clients with bank accounts, lending, and other banking services - achieved 130% of sales and commercial activity targets.
- Facilitated warm referrals to Wealth and Business Banking teams - generated an average of 8 qualified leads per month.
Education
MBA - Global Business
Université Laval (05/2027)
Bachelor of Commerce - Finance
University of Ottawa (05/2023)
Skills
- Financial Analysis
- Credit Risk Assessment
- Portfolio Management
- Corporate & SME Finance
- Deal Negotiation
- Business Development
Certification
Corporate Finance Institute
Certified Banking & Credit Analyst
- Commercial lending expertise
Moody's Analytics
Cert. in SME Banking (Lending)
Canadian Institute of FP
RFRA (Financial Planning)
Canadian Securities Institute
IFC (Financial markets)
MS Office Cert. (Word-Excel-PPT)
English Second Language (C1)
Timeline
Business Account Manager
Scotiabank
06.2024 - Current
Senior Financial Advisor, Personal-Small Business
Scotiabank
11.2022 - 06.2024
Personal Banking Advisor
Toronto-Dominion Bank
08.2021 - 11.2022
MBA - Global Business
Université Laval (05/2027)
Bachelor of Commerce - Finance
University of Ottawa (05/2023)