Quality Control Analyst at BMO BrokerEdge

October 2023 – Present

• Review and audit Home Financing credit applications to determine if BMO’s policies, general underwriting guidelines, and procedures are being followed.

• Review all required documentation, rationale, accuracy, and completeness of information provided for accuracy and legitimacy, mitigating risks related to anti-money laundering (AML) and anti-terrorist financing (ATF).

• Provide collaborative feedback to underwriters and Broker channels regarding performance, and discrepancies and find solutions to identified defects.

• Ensure that Quality Assurance requirements and Compliance review queries are dealt with in a timely and accurate manner.

• Review audit results, communicate and recommend changes and/or improvements to management.

• Assist with updating the quality control and assurance policies, procedures, and processes in accordance with changes to regulations and internal policies and procedures.

• Implement negotiation, analytical, and problem-solving skills to identify trends, patterns, and anomalies in mortgage/retail underwriting practices.

• Collaborate with internal teams and Broker channels to comply with regulatory requirements, support the development of tools, and deliver training and required projects to maintain compliance and achieve business results on an ongoing basis.

• Works independently and makes quick decisions concerning data elements and the various analyses to be taken.

• Identify process gaps related to QA selection and audit processes

• Provides statistical analysis and reporting on retail credit risk.

Credit Underwriter at BMO Financial Group

April 2022 – October 2023

• Affirms credit recommendations provided by the Banks CCAPS system and validates information submitted as part of the application process. 

• Review all required documentation, rationale, accuracy, and completeness of information provided for accuracy and legitimacy, mitigating risks related to anti-money laundering (AML) and anti-terrorist financing (ATF).

• Provide collaborative feedback to underwriters and Broker channels regarding performance, discrepancies and find solutions to identified defects.

• Ensure that Quality Assurance requirements and Compliance review queries are dealt with in a timely and accurate manner.

• Review audit results, communicate and recommend changes and/or improvements to management.

• Assist with updating the quality control and assurance policies, procedures, and processes in accordance with changes to regulations and internal policies and procedures.

• Implement negotiation, analytical, and problem-solving skills to identify trends, patterns, and anomalies in mortgage/retail underwriting practices.

• Collaborate with internal teams and Broker channels to comply with regulatory requirements, support the development of tools, and delivery of training and needed projects to maintain compliance and achieve business results on an ongoing basis.

• Works independently and makes quick decisions with respect to data elements and the various analyses to be taken.

• Identify process gaps related to QA selection and audit processes

• Provides statistical analysis and reporting on retail credit risk.

Relationship Manager at BMO Financial Group, Transit 2000

April 2018 – April 2022

• Understand client needs, including personal and wealth needs, and recommend solutions that are in the best interests, including referring to appropriate BMO partners to bring the best of BMO to the customer.

• Provides support to Funders with accurate and timely information to ensure efficient processing, and client satisfaction, and to meet or exceed SLAs.

• Provides first contact resolution of 3rd party Referral source inquiries and escalations.  Manages escalations, providing a clear and concise rationale for credit decisions.

• Ensures data integrity for investigation, analysis, appropriate mitigation, recommendation, and terms and conditions of lending transactions.

• Makes decisions on personal lending transactions within delegated authority, ensuring decisions are in accordance with sound credit-granting principles and in compliance with the Bank's policy.

• Acts in full compliance with all Bank policies, directives/procedures, and external regulations to protect the Bank’s assets.

• Review, analyze, and assess pricing requests.

• Collaborate with the pricing desk to negotiate interest rates.

Personal Lending & Investment Specialist at BMO Financial Group, NACCC

October 2016 – April 2018

• Complete comprehensive risk analysis to design appropriate credit structure and terms; prepare and recommend credit applications within prescribed limits.

• Identify process improvement opportunities to increase the efficiency and effectiveness of the team while maintaining an exceptional level of service to the customer.

• Maintain current knowledge of the lending industry, practices, and trends and integrate into customer conversations in a professional manner.

• Review Credit Bureaus and identify risks, and areas of growth, and provide the customer with financial plans to better their credit.

• Resolve problems by clarifying issues, researching and exploring answers and alternative solutions, implementing solutions, and escalating unresolved problems.

• Explore additional financial needs and opportunities to up-sell accounts.

Everyday Banking Mentor at BMO Financial Group, NACCC

July 2016 – October 2016

•  Mentored and coached new hires.

•  Provide constructive feedback and create action plans.

•  Listen, monitor calls & identify areas of improvement.

•  Prepare coaching report.

•  Monitor and record the trainee's progress.

Everyday Banking Associate at BMO Financial Group, NACCC

July 2015 – July 2016

•  Act as the first line of contact and trusted consultant to customers.

•  Understand customers' needs and recommend the right products and services to meet their needs.

•  Use critical thinking to remain solution-focused and recognize the big picture.

•  Identify opportunities to help customers and grow the business.

•  Provide sound financial advice through meaningful conversations.