Zofia De Oliveira

• Business Development - worked in collaboration with commercial bank team to strategize and implement franchising opportunities for clients
• Client Relationship Management -chieved outstanding results by effectively utilizing a team of experts in investment management, tax planning, and complex credit solutions for client relationship management
• Business solution delivery - contribute to the portfolio's profitability through strict control of non-interest expense items and profitable pricing practices for credit and non-credit products and services, while providing timely and effective problem resolution, escalating client issues as necessary
• Risk management and control - Be the subject matter expert in all areas of complex credit and maintain controls for operational risk delivering high quality recommendations for credit structure, due diligence and credit presentation to meet risk & compliance requirements

Value Added:

• Developed new sector of TD Private Banking in Edmonton Market focusing on Commercial Bank Clients
• Building a bridge between two lines of business, which historically have a low interaction rate.

• Develop a needs-based sales strategy for all clients and prospects in order to grow revenue, deepen client relationships, and achieve client loyalty.
• Help clients attain their business objectives by proposing financial strategies based on the most suitable combination of bank products and services.
• Negotiate terms and conditions of agreements with clients, while making sure they meet risk standards and profitability criteria.
• Work with internal partners to connect clients with opportunities and franchise them out across the bank.
• Actively participating in various networking activities.

Value Added:

• Remotely manage book of clients in Terrace, Kitimat, and Prince Rupert, with a wide spread of clients across industries.
• Remotely build RBC presence in the market, connecting with local COIs.

• Client relationship management – source on-board and provide relationship management, deliver superior client experience and integrated financial solutions (borrow and non-borrowing) high net worth healthcare clients with an objective of becoming their trusted advisor.
• Business solution delivery - Contribute to the portfolio's profitability through strict control of non-interest expense items and profitable pricing practices for credit and non-credit products and services, while providing timely and effective problem resolution, escalating client issues as necessary.
• Risk management and control - Be the subject matter expert in all areas of complex credit and maintain controls for operational risk, delivering high-quality recommendations for credit structure, due diligence, and credit presentation to meet risk and compliance requirements.
• Business development – effectively build and expand the portfolio of healthcare professionals, represent Private Wealth Management and TDBG to the general public in a professional manner.

Value Added:

• Develop new healthcare professionals sector of Private Banking within TD in Edmonton Market, consolidating assets and banking relationship.
• Finished year 2nd in my wave and 6th overall in the country.

• Proactively identify and develop new Small Business customer opportunities, while deepening existing customer relations, by providing sound advice.
• Maintain excellent knowledge and understanding of small business customer needs and TD's products and services, including strong credit acumen.
• Act as a resource on Business Banking solutions to home and buddy branch; work closely with retail employees to ensure all Business Banking customers are serviced by the advisor best suited to meet their requirements; Actively participate in regular meetings/coaching sessions with manager and business partners.

Value Added:

• Consistently generated volume over 120% and cross sell over 100%.
• Developing credit book at Kensington, Londonderry, and Namao branch by educating customers on the importance of credit in business development – top 10 in Prairie several times.