Senior Analyst, Loan and Appraisal Review at BMO Financial Group

January 2025 – Present

• Monitors, analyzes and reports on the quality of risk-related decisions for designated lending portfolios.

• Examines individual transactions and aggregate-level portfolio information to provide insights on the accuracy and consistency of decisions relative to risk strategies, policies, and appetite. Identifies deficiencies and recommends corrective action plans

• Supports the execution of strategic initiatives in collaboration with internal and external stakeholders and provides input into the planning and implementation of operational programs.

• Consults with stakeholders to improve consistency and transparency of risk measurement, metrics and reporting.

• Employs systems and integrates information from multiple sources to enable more efficient processes, enhanced analysis and streamlined reporting. 

• Develops solutions and makes recommendations based on an understanding of the business strategy and stakeholder needs

Quality Control Analyst at BMO BrokerEdge

October 2023 – January 2025

• Maintained comprehensive knowledge of BMO BrokerEdge policies, lending products, and Credit Risk regulatory requirements to ensure compliance with credit file recommendations and decisions.

• Conducted thorough risk evaluations, escalated issues as needed, and applied enhanced due diligence and fraud detection techniques to identify and mitigate potential fraudulent activities, safeguarding BMO’s financial interests.

• Led investigations flagged by BMO’s Second Line of Defence (Risk) team for B20 violations, successfully mitigating identified risks and proposing actionable solutions.

• Mentored and trained six new hires, fostering knowledge sharing through job shadowing and best practices, significantly reducing the team’s appeal success rate from 35.61% to 10.13% within six months.

• Acted as interim manager for a team of 10 QA analysts, providing operational support and updating senior leadership as required.

• Resolved escalations from Business Development Managers and First National leadership, ensuring timely and satisfactory resolutions to complex issues.

Credit Underwriter at BMO Financial Group

April 2022 – October 2023

• Reviewed and adjudicated 185+ auto financing credit applications weekly, approving or declining requests based on detailed financial analysis and risk assessment.

• Successfully underwrote loans totalling $50M+ annually, ensuring adherence to BMO policies and industry regulations.

• Maintained a loan approval accuracy rate of 98%, minimizing loan defaults through rigorous risk assessment and compliance.

• Achieved 95% SLA compliance, delivering timely credit decisions while ensuring high customer satisfaction.

• Maximized efficiency by providing Funders with accurate and timely data, enabling them to process requests 30% faster and meet or exceed SLAs consistently.

• Managed escalations, providing clear and concise rationale for credit decisions, resulting in a 15% decrease in escalations and reduced resolution time by 30%.

• Trained and mentored a team of 5 junior underwriters, enhancing team productivity by 20% through knowledge-sharing and process improvement initiatives.

Relationship Manager at BMO Financial Group

April 2018 – April 2022

• Managed a portfolio of 500+ clients, achieving 115% of annual sales targets by effectively identifying client needs and providing tailored financial solutions.

• Increased client retention rates by 25% through consistent relationship-building, personalized service, and proactive engagement strategies.

• Exceeded annual sales targets by 120% by cross-selling financial products, including loans, investments, and creditor insurance.

• Enhanced client satisfaction, achieving a Net Promoter Score (NPS) of 95%+, through proactive communication, and timely resolution of client concerns, ensuring seamless service delivery and fostering long-term relationships.

• Identified and referred clients to appropriate wealth management and banking solutions, contributing annually to $5M+ in new business growth.

• Adjudicated high-limit credit applications, supporting a total loan portfolio of $10M+, while ensuring compliance with sound credit-granting principles and regulatory requirements.

• Proactively assessed and mitigated risks within the portfolio, escalating critical issues as needed to maintain a high-quality asset base.

Personal Lending & Investment Specialist at BMO Financial Group

October 2016 – April 2018

• Conducted comprehensive risk analysis for 200+ home financing and personal loan applications annually, ensuring credit structures and terms met clients’ needs while adhering to authorized limits, resulting in 98% compliance with internal policies.

• Identified and implemented process improvements that enhanced team efficiency, reducing loan processing time by 25% and maintaining high customer satisfaction.

• Maintained an up-to-date knowledge of lending industry trends and practices, integrating insights into customer conversations to drive $5M+ in new business and deepen client relationships.

• Analyzed credit bureaus and financial data for 500+ clients per year, identifying risks and growth opportunities, and offering personalized financial plans that resulted in 20% improvement in client credit scores on average.

• Resolved 95% of client issues within initial contact by clarifying concerns, providing accurate information, and implementing effective solutions, while escalating unresolved issues promptly to maintain client satisfaction.

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

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.