• Manage a portfolio of clients in Central Ontario and Southwestern Ontario consisting of: upper and lower tier municipalities, affordable housing, long-term care, universities and sports and recreation centres.• Successfully achieved an annual sales target of $250 million.• Networked and connected with potential/current clients at Trade shows, providing learning sessions, presenting for Councillors and Board of Directors, and having direct meetings with clients.• Research and developed potential capital infrastructure projects for Infrastructure Ontario by assisting the Commercial Underwriting department that Includes the Financial viability of the financing request. • Prepared and presented reports to the Executive team at Infrastructure Ontario on infrastructure trends, new financing requests from clients and providing them accurate financial ratios.

• Completed in depth underwriting of deals into concise recommendation packages supported by: sensitivity modeling, asset valuation analysis, third party report verifications and industry risk assessment• Negotiated amendments to clients with alternatives of their financing request.• Presented financing requests to Infrastructure Ontario’s Board of Directors for approval.• Assisted Regional Territory Managers by financially analyzing potential loan deal to validate credit capacity.• Successfully underwrote/funded over $500 million in new debt financing on an annual basis.

• Managed and maintained a portfolio of clients in Northern Ontario consisting of: municipalities, municipal corporations, long-term care, affordable housing, universities, and sports and recreation centres.• Prepared and submitted annual business outlook reports for the region of Northern Ontario for Upper Management.• Achieved and exceeded target of new loans of $65 million annually for the region.• Collaborated with a team of Regional Territory Account Managers and attended conferences and conducted presentations across Ontario to spread awareness of Infrastructure Ontario.• Analyzed Financial Statements and non-financial information of clients to acquire ability of loan repayment to Infrastructure Ontario.• Created and presented loan recommendation reports of new loans to Infrastructure Ontario’s Credit Review Committee to achieve approval of the client’s loan request

• Advised a $90 million portfolio of personal/business accounts by having annual or semi-annual meetings to review client’s holdings.• Achieved sales targets by increasing wallet share of current clients of CIBC by offering them bundled products of banking services.• Networked and built referral base to increase portfolio value.• Worked closely with a Financial Associate to maintain a higher commitment of service to the portfolio.• Liaised with a team of professionals: Investment Advisors, Business Advisors, Estate Planners and Mortgage Specialists.• Built a team of external professionals: Lawyers, Accountants to complement client’s needs.

• Worked with a team of 45 Financial Representatives at one of the main branches in Canada.• 2009 CIBC Achievers’ awarded for one of the top performers in Canada.• Provided a full range of products from financing to investing.• Achieved and exceeded sales targets.• Developed and maintained a portfolio of clients using numerous marketing techniques.• Responded and resolved current clients’ questions and potential customers’ inquires.• Managed client’s portfolios to make sure their goals matched their investment choices.• Underwrote and processed loans, lines of credits secured and unsecured for personal and business clients.• Analyzed and processed Financial Ratios to rate credit worthiness of incorporated businesses.

Instructed and designed Business English courses for corporate employees• Designed and implemented courses and programs to benefit Yazaki/Toyota Corporation• Assisted with the translating of documents for branch offices or clients overseas.

Developed and instructed courses for adult students• Interviewed and hired new teachers.• Prepared and motivated students to pass language proficiency tests.