Ying Mimi Liu
19 Dowling Cir Markham,ON
Summary
Dedicated financial services professional with 4 years' experience in 2 of the Big Five banks successfully managing client accounts, exceeding targets, and providing comprehensive financial advice. Holds Master of Commerce degree and CSC, IFIC, & CIFP certifications. Pursuing continued career development within the banking industry.
Overview
5
5
years of professional experience
Work History
Financial Advisor
CIBC
SCARBOROUGH, ON
02.2024 - Current
- Manage a $110M portfolio with over 500 mass affluent and high-net-worth clients, consistently driving strong asset growth through proactive business development
- Demonstrate a proven ability to grow new business annually by leveraging targeted outreach, deep client relationships, and solution-focused financial advice
- Build and maintain a robust and diverse mutual fund sales pipeline, aligning investment strategies closely with clients’ risk profiles and financial goals
- Deliver comprehensive advice on a wide range of investment products including registered and non-registered accounts (TFSAs, RRSPs, RESPs, LIRA, RIF), retirement income planning, estate strategies, and market-linked GICs
- Identify and execute lending opportunities such as mortgage refinancing, HELOCs, unsecured loans, and credit restructuring to meet clients’ evolving needs
- Consistently recognized for high client satisfaction (NPS) and strong referral generation, rooted in trust-based, long-term relationships
- Frequently rank on the leaderboard for sales performance and have been nominated as an Annual Achiever in recognition of outstanding results
- Utilize advanced financial planning tools including CIBC Goal Planner and investment calculators to effectively communicate complex concepts and empower clients’ decision-making
- Mentor junior colleagues by sharing expertise on product knowledge, investment principles, and best practices in relationship management
Associate Financial Service Specialist
CIBC
Toronto, Canada
09.2022 - Current
- Managed portfolio of around $90 million and 500 clients, grew portfolio around 40% during first year
- Focused primarily on CIBC mortgage clients to assist with mortgage applications, renewals, and refinancing, while identifying opportunities to increase revenue and bring in new business
- Advised clients regarding mutual funds, regular and market-linked GICs, non-registered and registered accounts including TFSAs, RRSPs, RESPs, retirement planning through RIF and LIRA accounts, and estate planning
- Developed and maintained positive relationships with clients by providing personable, knowledgeable, and professional service, successfully resolving concerns and exceeding expectations; built trust and familiarity with clients and regularly generated referral business
- Employed visual tools and used software applications such as credit planning calculator, CIBC Goal Planner, investment growth calculator, The Big Picture, bull and bear market graphs, etc. to illustrate financial concepts
- Followed best practices such as KYP and KYC to match client's investor profile with appropriate investment strategies; explained alternatives such as lump sum purchasing versus dollar cost averaging, GIC laddering, investment diversification, etc
- Helped train and mentor colleagues in product knowledge, banking procedures, and understanding clients' needs
- Consistently exceeded sales targets, received top NPS scores and high performance evaluations
Financial Advisor
Scotiabank
Toronto, Canada
01.2022 - 08.2022
- Served as point of contact for high net worth clients, developed and maintained positive customer relationships by proactively identifying clients' needs and opportunities, and providing expert guidance towards key financial objectives
- Conducted regular reviews with clients to assess their financial goals, explore alternatives, and recommend solutions
- Handled complex lending cases including bridge loans, porting, refinancing, and home line of credit restructuring; prepared applications for secured and unsecured lending such as credit cards, lines of credit, and loans
- Comfortably exceeded weekly and quarterly sales targets and KPIs; consistently received top NPS scores and high performance evaluations from management, awarded Top Protection Q3 and ranked among regional top performers in Q3 F2022
- Maintained high standards of performance under heavy workload using strong time management and organizational skills
Financial Services Representative
CIBC
Toronto, Canada
02.2021 - 01.2022
- Leveraged knowledge of cash management, investment, credit, and insurance to provide expert advice and guidance on a wide range of financial solutions for personal and business clients
- Generated sales by engaging with clients from multiple channels including internal lead notifications, online appointment bookings, and branch walk-ins
- Consistently exceeded sales targets, developed and maintained productive relationships with clients, and received excellent client satisfaction scores
- Maintained strict compliance with all protocols and policies and employed banking best practices to ensure highest level of professionalism
Customer Representative
Scotiabank
Toronto, Canada
03.2020 - 02.2021
- Handled diverse range of transactions for both business and non-business customers, from everyday banking to investment and loan transactions
- Created positive customer experiences and built quality relationships with clients by providing personable, knowledgeable, and efficient service
- Exceeded weekly and monthly targets including referrals, product recommendations, seasonal campaigns, account contributions, etc.
- Developed and maintained thorough knowledge of Scotiabank day to day banking products and services
Education
Canadian Securities Course (CSC) -
Canadian Securities Institute
Toronto, Canada06.2023
Registered Financial and Retirement Advisor Program (RFRA) -
Canadian Institute Of Financial Planning (CIFP)
Toronto, Canada06.2022
Canadian Investment Funds Course (IFIC) -
IFSE Institute
Toronto, Canada09.2020
Master of Commerce - International Business and People, Management and Organisation
University Of Sydney
Sydney, Australia07.2019
Bachelor of Commerce - Business Economics and Law
University Of Alberta
Edmonton, Canada06.2017
Certificate - International Learning
University of Alberta
Edmonton, Canada06.2017
Skills
- Attention to Detail
- Customer Relationship Building
- Data Analysis
- Organizational Skills
- Problem Solving
- Time Management
Languages
- English, Fluent
- Mandarin, Fluent
Timeline
Financial Advisor
CIBC
02.2024 - Current
Associate Financial Service Specialist
CIBC
09.2022 - Current
Financial Advisor
Scotiabank
01.2022 - 08.2022
Financial Services Representative
CIBC
02.2021 - 01.2022
Customer Representative
Scotiabank
03.2020 - 02.2021
Canadian Securities Course (CSC) -
Canadian Securities Institute
Registered Financial and Retirement Advisor Program (RFRA) -
Canadian Institute Of Financial Planning (CIFP)
Canadian Investment Funds Course (IFIC) -
IFSE Institute
Master of Commerce - International Business and People, Management and Organisation
University Of Sydney
Bachelor of Commerce - Business Economics and Law
University Of Alberta
Certificate - International Learning
University of Alberta
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