Sandra Payne
Paradise,NL
Summary
Client-focused financial professional with 20+ years of experience across financial planning, banking, lending, and mortgage services. Known for building trusted relationships, developing customized retirement and investment strategies, and supporting informed financial decisions. Strong background in credit review, portfolio analysis, and cross-functional referrals.
Overview
1
1
Certification
23
23
years of professional experience
Work History
Financial Planner
RBC
Paradise, Newfoundland and Labrador
01.2023 - 10.2026
- Built customized financial plans using RBC planning tools and client information.
- Prepared customized investment portfolios based on clients' risk tolerance, goals, and time horizons.
- Developed personalized retirement strategies addressing individual client needs and objectives, enhancing their financial security.
- Reviewed client portfolios, recommending adjustments aligned with risk tolerance to optimize investment performance.
- Counseled clients on asset utilization strategies, facilitating achievement of long-term financial goals.
- Conducted regular reviews of clients' financial plans to ensure that their goals were being met or adjusted accordingly.
- Scheduled client reviews and kept accurate records in RBC systems.
- Supported RBC clients with savings, investment, retirement, and insurance planning.
- Referred clients to RBC specialists for mortgages, estates, and business services.
Financial Advisor
RBC
St. John's, Newfoundland and Labrador
10.2016 - 12.2022
- Advised RBC clients on banking, lending, and investment solutions.
- Educated clients on investment principles and market dynamics, emphasizing portfolio diversification strategies.
- Coordinated with RBC specialists to tailor mortgage, investment, and insurance solutions for clients.
- Developed and maintained strong client relationships through exceptional service and communication.
- Identified new business opportunities through networking and referrals.
- Reviewed credit applications for accuracy and completeness and verified client financial information to assess creditworthiness for loan approvals.
Mortgage Specialist
RBC
St. John's, Newfoundland and Labrador
01.2004 - 10.2016
- Advised RBC clients on mortgage options, terms, and repayment structures.
- Explained RBC mortgage products, rates, and renewal options to clients.
- Coordinated with underwriters, branch teams, and lending partners on mortgage files.
- Supported mortgage closings by preparing documentation and resolving outstanding conditions.
- Developed and maintained relationships with clients, real estate agents, and other professionals in the industry.
- Provided referrals to internal partners for external business.
Education
Bachelor of Commerce Co-Op -
Dalhousie University
HalifaxSkills
- Financial planning
- Retirement planning
- Portfolio management
- RBC planning tools
- Client management
- Credit assessment
- Mortgage planning
- Wealth management
Certification
- PFP - Personal Financial Planner Designation
- Commissioner of Oaths
Timeline
Financial Planner
RBC
01.2023 - 10.2026
Financial Advisor
RBC
10.2016 - 12.2022
Mortgage Specialist
RBC
01.2004 - 10.2016
Bachelor of Commerce Co-Op -
Dalhousie University