Nina Gomes
Toronto,ON
Summary
As a dedicated finance professional with extensive experience in consumer lending and credit analysis, I specialize in evaluating financial risk, structuring loan portfolios, and providing actionable insights to support business growth. Over the course of my career, I have developed a well-rounded understanding of credit risk management, and the intricacies of both corporate and consumer lending. With a proven track record in analyzing financial statements, assessing creditworthiness, and making data-driven decisions, I have helped organizations optimize lending strategies while minimizing risk. My expertise spans a variety of sectors, including retail lending, consumer finance, and credit risk assessment.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Assistant Branch Manager
Comtech Fire Credit Union
Toronto, ON
05.2023 - Current
- Following up promptly with all applications pertaining to residential mortgages, equity lines of credit, refinances, renewals, unsecured lines of credit as well as personal loans.
- Thoroughly reviewing applicant's credit report, T4, T1 statements, Notice of Assessment, paystubs, among other documentations required to assess eligibility in continuing with lending services.
- Loan-to-Value analysis.
- GDS and TDS cash flow review.
- Ensuring that all company policies for qualification are satisfied and addressed when underwriting the deals.
- Primary resource for opening new member accounts and for actively soliciting membership growth opportunities by following up on staff referrals, sales initiatives and member inquiries.
- Maintain and monitor branch cash levels.
- Oversee dual custody ATM procedures every day to ensure that all deposits and balances are correct.
- Monitor branch operations and compliance to mitigate the risk of any fraud, AML, or organizational audit failure with FINTRAC.
Branch Manager
Easy Financial
Toronto, ON
04.2022 - 05.2023
- Assigned duties to employees and examined work for accuracy, neatness, and timeliness.
- Determined the level of acceptable risk by reviewing applications, including the capacity to pay for both unsecured and secured (home equity) loans.
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
- Inspected financial statements, credit information, and title data to complete the underwriting process. Verified all documents required before submitting for final approval.
Assistant Branch Manager
Easy Financial
Toronto, ON
11.2021 - 04.2022
- Increased efficiency and drove branch revenue by establishing targets and strategic business plans for daily, weekly, and monthly operations.
- Boosted customer base, acquiring new customers, and identifying needs to deliver relevant products. Built a strong rapport with new and existing clients to better serve their financial needs and promote branch loyalty.
Sr. Financial Service Representative
Easy Financial
Toronto, ON
07.2020 - 11.2021
- Provided elite customer service experience by receiving 50+ 5-star Google ratings, and being recognized in the monthly employee shout-out for receiving exceptional customer feedback via the FEEFO report.
- Sales: Tailored each significant benefit and advantage of products, strategically pitched during each loan close, while helping the branch accomplish the month-to-month focus for ancillary targets.
- Collections: Minimized delinquency obligations at the branch level by reaching out to past-due accounts, and provided the best solutions to customers to clear accounts from the assortment log.
Assistant Store Manager
Cash Money
Toronto, ON
01.2017 - 07.2020
- Ensured each employee is cross-selling other products and services offered with every transaction. Help facilitate and host store meetings, discussing financial trends for the branch.
- Provided excellent customer service by greeting, performing day-to-day transactions, and building rapport with clients, while promoting other services and products that the company offers.
Education
Business Management, Global Management
Ryerson University
06.2020
Skills
- Exemplary written and oral communication skills
- Excellent in self-management and people-management, planning and team leadership
- Tremendous self-learner, goal motivated and self-driven personality
- Excel in customer resolution, service and overall satisfaction
- Proficient in Wealthview Banking, Salesforce CRM, Microsoft Office Word, Outlook, Excel and Teams
- Aptitude to multitask in fast paced environment
- Deductive reasoning ability and risk assessment, paying close attention to detail
- Able to adapt to changing environments efficiently
Certification
REMIC Mortgage Agent Course (RMAC) - Approved by FSRA/FSCO
References
REFERENCES AVAILABLE UPON REQUEST
Timeline
Assistant Branch Manager
Comtech Fire Credit Union
05.2023 - Current
Branch Manager
Easy Financial
04.2022 - 05.2023
Assistant Branch Manager
Easy Financial
11.2021 - 04.2022
Sr. Financial Service Representative
Easy Financial
07.2020 - 11.2021
Assistant Store Manager
Cash Money
01.2017 - 07.2020
Business Management, Global Management
Ryerson University
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