JONATHAN BILLONES
Edmonton,Canada
Summary
Mortgage financing professional with history of driving effective lending solutions. Known for reliability and adaptability in dynamic environments. Expertise in loan processing, regulatory compliance, and team collaboration.
With solid background in mortgage financing. Demonstrated success in processing loan applications and ensuring compliance with regulatory standards. Proven ability to assess client needs and deliver effective solutions.
Experienced with mortgage loan origination, underwriting, and client relationship management. Utilizes in-depth knowledge of industry regulations to ensure compliance. Track record of delivering tailored financial solutions to meet client needs.
Possesses versatile skills in project management, problem-solving, and collaboration. Brings fresh perspective and strong commitment to quality and success. Recognized for adaptability and proactive approach in delivering effective solutions.
Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.
Overview
23
23
years of professional experience
1
1
Certification
Work History
MORTGAGE BROKER
Praire West Mortgage Group
09.2022 - Current
- Facilitated client consultations to assess mortgage needs and financial situations.
- Developed tailored mortgage solutions to meet diverse client requirements.
- Assisted clients in understanding complex mortgage terms and conditions, empowering them to make informed decisions about their home financing options.
FINANCE MANAGER
Thomas Motors East Side Truck and Auto Dealership
08.2023 - Current
- Managed inventory control and optimized stock levels to enhance dealership operations.
- Developed customer relationships through effective communication and personalized service strategies.
- Analyzed market trends to inform pricing strategies and maximize profitability of vehicle sales.
- Increased customer satisfaction by providing exceptional service and tailored vehicle recommendations.
FINANCE MANAGER
Park Mazda Dealership
10.2022 - 08.2023
ASSOCIATE ACCOUNT MANAGER
RBC Royal Bank
04.2021 - 08.2022
- Company Overview: Commercial Financial Services
- Managed client accounts, ensuring exceptional service delivery and relationship building.
- Coordinated cross-functional collaboration to streamline account management processes.
- Developed strategic account plans that aligned with client goals and expectations.
FINANCIAL ADVISOR
RBC Royal Bank
03.2020 - 03.2021
- Company Overview: MUTUAL FUNDS REPRESENTATIVE (Royal Mutual Funds Inc.)
- Provides customized mortgage solutions and advice. Develop relationships with both internal and external partners particularly within the community and realtors’ offices. Build client loyalty through keen desire to provide exceptional and personalized service.
- Cultivate local business opportunities and seek out new customers through relationship building within the community and your centres of influence
- Develop a loyal client base by providing exceptional mortgage advice and financial solutions
- Successfully drive your personal sales results, while collaborating with partners to anchor external business
- Take the initiative to provide advice and solutions to clients, meeting their individual needs.
- Accessible and accommodate clients’ preference.
MOBILE MORTGAGE SPECIALIST
RBC Royal Bank of Canada
01.2019 - 02.2020
- Guided clients through mortgage application processes, ensuring compliance with regulatory requirements.
- Analyzed financial documents to assess borrower eligibility and risk factors for mortgage approval.
- Developed customized mortgage solutions based on client needs and financial circumstances.
FINANCIAL ADVISOR
RBC Royal Bank of Canada
10.2014 - 12.2018
- Company Overview: RBC Ellerslie Shopping Center Branch
- Proactively engage with clients in all areas the branch, uncovering banking needs, providing advice, and identifying sales and referral opportunities
- Advise clients on tailored financial solutions such as personal/business accounts, credit cards, loans/line of credit, overdraft, mortgages, and investments that meet their needs
- Respond to client-initiated contacts, assisting with financial transactions (deposits, withdrawals, cheque cashing/ordering, bill payments, money orders and transfers, and foreign currency exchanges) while prospecting for additional sales, referral and appointment booking opportunities
- Maintain and grow the customer portfolio by identifying and promoting personal banking advice and solutions with a continuous focus on client service and new business development
- Take ownership of client problems, respond with empathy, and provide sound solutions.
CLIENT ADVISOR
RBC Royal Bank of Canada
05.2013 - 10.2014
- Company Overview: RBC Magrath Heights Branch
- Client Service Representative, work on the front lines, serving clients, carrying out transactions, solving problems and spotting sales opportunities.
- This is an important role providing advice to clients and finding solutions that meet their individual needs.
- The main responsibilities include, dealing with business deposits, withdrawals, bill payments, night deposits, orders, shipments, and foreign currency exchanges.
- Other duties involve balancing cash daily and resolving account inquiries.
CORPORATE LEGAL ASSISTANT
Banco De Oro Unibank, Inc.
01.2010 - 02.2013
- Company Overview: Risk Management Unit
- Scope of work involves Foreclosure of Real Properties. Repossessions of Chattel Mortgages. Land Titles and Registrations.
- Keeps cases organized by establishing and organizing files; monitoring calendars; meeting deadlines; documenting actions; inputting information into file database and case management software; confirming case status with the Clerk of Court.
- Helps develop cases by maintaining contact with people involved in the case; scheduling depositions; preparing and forwarding summonses and subpoenas; drafting complaints; preparing and filing discovery requests; preparing responses to opposing counsel; generating status reports.
- Supports case preparation by preparing case summaries and materials for mediation conferences; preparing pleadings; monitoring and obtaining discovery responses; organizing materials for team case review.
- Enhances trial proceedings by organizing evidence; preparing exhibits; scheduling witnesses; ensuring that witnesses are ready when needed; taking courtroom notes.
ACCOUNTING ASSISTANT
Banco De Oro Unibank, Inc. (After Merger)
07.2007 - 12.2009
ACCOUNTING ASSISTANT
Equitable PCI Bank (Before Merger)
06.2003 - 07.2007
- Responsible for recording and balancing the daily cash operations and ATM operations of the branch.
- Handles bank reconciliation, journal entries and daily branch level bookkeeping.
- Ensuring prompt and efficient delivery in compliance with the bank's service standards and internal control.
- Responsible for ensuring completeness of checks sent out for clearing, call back of transactions for the day and encoding of accounting entries in the General Ledger System and generation of accounting reports.
- Preparing Financial Statements and ensure branch compliance in audit.
ACCOUNTING CLERK
Department of Education Culture and Sports
06.2002 - 11.2002
- Calculates, prepares and issues documents related to accounts such as bills, invoices, inventory reports, account statements and other financial statements
- Code, total, batch, enter, verify and reconcile transactions such as accounts payable, purchase orders, cheques, invoices, cheque requisitions, and bank statements
- Compiles budget data and documents based on estimated revenues and expenses and previous budgets
- Prepares period or cost statements or reports
- Calculates costs of materials, overhead and other expenses based on estimates, quotations, and price lists.
Education
Bachelor of Laws - Law
Collegio De La Purisima Concepcion
01.2010
Bachelor of Science - Accountancy
University of the Philippines in the Visayas
01.2001
Skills
- Customer satisfaction
- Financial management
- Financial analysis
- Customer relationship development
- Business partnering
- Financial modeling
Languages
English
Certification
- Investment Funds of Canada
- Personal Financial Services Advice
- Financial Planning 1
Timeline
FINANCE MANAGER
Thomas Motors East Side Truck and Auto Dealership
08.2023 - Current
FINANCE MANAGER
Park Mazda Dealership
10.2022 - 08.2023
MORTGAGE BROKER
Praire West Mortgage Group
09.2022 - Current
ASSOCIATE ACCOUNT MANAGER
RBC Royal Bank
04.2021 - 08.2022
FINANCIAL ADVISOR
RBC Royal Bank
03.2020 - 03.2021
MOBILE MORTGAGE SPECIALIST
RBC Royal Bank of Canada
01.2019 - 02.2020
FINANCIAL ADVISOR
RBC Royal Bank of Canada
10.2014 - 12.2018
CLIENT ADVISOR
RBC Royal Bank of Canada
05.2013 - 10.2014
CORPORATE LEGAL ASSISTANT
Banco De Oro Unibank, Inc.
01.2010 - 02.2013
ACCOUNTING ASSISTANT
Banco De Oro Unibank, Inc. (After Merger)
07.2007 - 12.2009
ACCOUNTING ASSISTANT
Equitable PCI Bank (Before Merger)
06.2003 - 07.2007
ACCOUNTING CLERK
Department of Education Culture and Sports
06.2002 - 11.2002
Bachelor of Science - Accountancy
University of the Philippines in the Visayas
Bachelor of Laws - Law
Collegio De La Purisima Concepcion
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