Anthony Defor Email & Phone Number

Stoney Creek, Ontario, Canada

• Efficiently reviewed, recommended, and approved credit applications within set limits/guidelines, including rate and fee discretion• Managed the Line of Credit Renewal Process, including review, recommendation, and approval, demonstrating detail-oriented and strategic thinking.• Improved the retail lending function's operating proficiency through the implementation of innovative research methodologies, service enhancements, and new concepts, displaying strong problem-solving skills in a fast-paced environment.• Conducted extensive investigative research using credit application data, producing comprehensive and analytical reports on dealer finance, loan to value, total debt service, and gross debt service trends, showcasing effective communication skills while collaborating with technical and software development team members.

Hamilton, Ontario, Canada

• Supervised and adjudicated indirect loans/leases within DFC policy guidelines and escalated to Team Leads/Managers of Credit Risk (MCR) for exceptions to policy where warranted.• Identified potential improvements to retail lending processes and policies and provided recommendations to DFC Management/MCRs• Maintained customer relationships and ensured good customer service while ensuring dealer partners understood rationales behind applications decisions. • Served as a FPOC for issues/concerns from dealer partners on specific loan/lease decisions.

Mississauga

• Adhered to credit policies and procedures, and effectively managed risk by accurately completing credit applications and making prudent lending decisions.• Delivered on the RBC advice promise by connecting with clients through effective client discovery to identify client needs, provide appropriate financial advice and deliver solutions to achieve the client’s financial goals. • Maximize the use of technology (e.g. Additional Product Opportunities (APO), Offers & Opportunities) to deepen client relationship instantly activating relevant credit solutions with clients• Exercised good judgment when making decisions by mitigating shareholder risk and client experience while consistently achieving satisfactory ratings on post loan reviews/credit granting• Take ownership of client problems at first point of contact to ensure that no client leaves unsatisfied by applying the “Make it Right” principles. Escalated concerns and make referrals to the RBC Client Care Centre. • Continuously evolved my Digital IQ (capability) by completing all digital learning modules & up-skilling activities (incl. mobile learn, retailing role-plays, practice simulations).

Mississauga

• Responded to clients with professional and accurate service for all their everyday banking needs in the RBC Advice Centre.• Worked collaboratively with Team Managers to reach Proficiency levels/expectations.• Consistently ensured solutions targets were met and exceeded, while maintaining efficiencies within guidelines•Demonstrated commitment to personal development and proactively sought out opportunities to improve skills and knowledge.• Championed digital enablement by becoming an advocate of the RBC mobile application and wallet and promoting regular usage by teaching and guiding clients on how to use it.• Acted as an Expert Role Model to New-to-Role advisors to de-escalate client concerns and served as the first point of contact in the escalation team.• Provided peer mentoring and appropriate coaching/feedback to new-to-role advisors to ensure they are set up for success• 2017 Q3 Royal Performance Nominee & 2018 Q4 RBC Platinum Club Award Winner; top 10% in sales nationally.

Mississauga

• Worked in collaboration with the Marketing Coordinator and General Manager to produce marketing content such as brochures and data sheets.• Updated web store and website content on a daily basis and made sure it was constantly up-to-date in order to drive traffic.• Created marketing and design content such as sales catalogues using Adobe Illustrator, Photoshop and InDesign. • Posted social media content on social media channels such as Facebook and LinkedIn to keep the company’s target audience updated on products and content.

Mississauga

• Provided information to customers on warranties, care and maintenance of their devices, activating or troubleshooting their devices, and hardware specifications.• Accurately documented sales and/or customer account changes in the company systems and databases.• Adhered to Retail Standard Operating policies, processes and procedures and also performed other duties as per the Store Managers request.• Met individual and team performance metrics while maintaining the highest level of customer satisfaction and accuracy.

Certificate In Data Analytics, Data Analytics And Data Visualization, 4.0 Gpa

Activities and Societies: The curriculum covers relevant tools and technologies including Intermediate Excel, Python, JavaScript.

Diploma, Advertising And Marketing Communications

Program includes courses such as Public Relations, Introduction to Advertising, Innovative Design, Design and Production and Project.

Ontario Secondary School Diploma