Andrew Davis Email and Phone Number

• Identify and establish strategic partnerships and relationships to build strong long-term relationships with new and existing customers.• Develop and implement management strategies and plans to deliver exceptional customer service, and enhance customer experience.• Analyze the market, develop and implement strategies to meet customer needs, and make recommendations to management.• Serve as primary client contact for the mortgage throughout the process, from initiation of inquiry to closing, maintaining proactive communication with the client. • Partner with customers to complete needs assessments to understand their mortgage needs, identify solutions and recommend tailored solutions to address mortgage needs.• Identify new opportunities, generate new leads, and close mortgage opportunities through a variety of strategic prospecting and account development activities. • Build strategic partnerships and relationships with financial stakeholders to establish strong long-term relationships with new and existing customers resulting in increased sales revenue.• Establish collaboration with cross-functional financial teams to identify high-potential opportunities, and leverage in-depth product knowledge to plot strategies to pursue/lead pursuits of new mortgages/businesses. • Define and execute sales strategy focused on high-margin business, resulting in high revenue and profitability. Exceeded sales targets year over year. • Collect and analyze clients’ financial information to assess loan risk.• Evaluate and determine credit worthiness of clients, prepare detailed reports on assessments, and offer recommendations on applicant eligibility, including loan options, and restructuring plans based on client’s needs and goals.

• Analyze client financing needs and recommend suitable loan structures based on client circumstances and loan policy.• Advise applicants of options available to them, and discuss terms and conditions of the loan.• Provide in-depth and sophisticated analysis with interpretive thinking to define problems, develop innovative solutions, and make recommendations that influence the decisions of clients.• Respond to the financial needs of existing and potential clients by providing creative solutions and action plans to address customer issues and priorities to yield high and sustainable returns.• Develop strategic initiatives to exceed department and individual sales targets for renewal retention by contacting clients, offering pricing scenarios, understanding needs, and closing deals. • Research and maintain a deep understanding of the market landscape, including potential customers. • Review and monitor sales, revenue, and service performance against the business plan, identified gaps, and make recommendations.• Conduct comprehensive analysis and evaluate risks to control underwriting loss.• Create solutions for problems that arise during processing, evaluating portfolios, exceptions, and complex mortgage loans in accordance with the Bank, and regulatory compliance guidelines.

• Partner with customers to complete needs assessments to understand their mortgage needs, identify solutions and recommend tailored solutions to address mortgage needs.• Keep abreast of trends and developments in the local real estate market and the changing rules and regulations pertaining to mortgages.• Establish and maintain direct relationships with the clients on the lending proposition in order to provide structured, consistent, and tailored advice.• Provide solutions to lower interest costs and establish cost saving and credit planning opportunities to increase cash flow for clients.• Review and monitor sales, revenue, and service performance against the business plan, identified gaps, and make recommendations.• Identify, design, develop, and implement market-driven strategies to achieve revenue goals. Develop, manage, and nurture new mortgage accounts to accomplish profit and volume goals. • Lead the development of strategic plans to acquire new customers. • Evaluate and determine credit worthiness of clients, prepare detailed reports on assessments, and offer recommendations on applicant eligibility including loan options, and restructuring plans based on client’s needs and goals.• Create solutions for problems that arise during processing, evaluating portfolios, exceptions, and complex mortgage loans in accordance with the Bank and regulatory compliance guidelines.

• Partner with customers to complete needs assessments to understand their needs, identify financial solutions and recommend tailored solutions to address financial needs.• Attend to clients’ financial needs by recommending the best solution to enhance their banking experience in the present and for their future.• Underwrite all files, review, and ensure all aspects of the file are in line before sending to credit underwriting for a timely response.• Prepare client’s files with all the financial details and ensure proper structure of all files before submission.• Make outbound calls to clients via phone, email, or in-branch outreach to make suggestions on the potential mortgage and financial solutions that may be of interest to the client. • Proactively schedule appointments to discuss proper solutions and opportunities with the client.• Answer all questions and concerns, as well as solve and provide any banking solutions the client may have in a timely manner.• Assess clients’ needs to ensure their best interests are the top priority and refer them to the proper partner to best suit their banking needs.• Review Retirement goals and provide investment advice that best represents the client.• Provide solutions to lower interest costs and save money with credit planning to increase cash flow for clients.• Review all areas of a client’s financial situation and advise of the various solutions available.• Develop and implement strategies and plans to deliver exceptional customer service, enhance customer experience, and increase growth and revenue.

• Collaborate with customers to evaluate needs and to fully understand their personal and small business banking needs to effectively create great customer experiences.• Assess client needs to provide advice-based solutions for a group of assigned personal and business customers to meet sales targets and service objectives.• Respond to the financial needs of existing and potential clients by providing financial solutions and ensuring that every opportunity to expand the client relationship is explored.• Manage lending solutions by assessing credit applications adhering to company risk for loans to accurately determine customers’ creditworthiness.• Identify, develop, and implement process improvements to enhance operations, generate efficiencies, mitigate risk, and improve organizational performance.• Establish partnerships with stakeholders and cross-functional teams to plan, build, manage innovation, identify strategy, and opportunities, and implement strategic solutions tailored to the client’s needs.