• I have the pleasure of leading the Credit, Compliance, Data Analytics, Asset Management, Collections and Workout groups at TD Equipment Finance (TDEF) as we provide equipment financing solutions to business clients and prospects across Canada. • Work closely with a national sales force, some of the most highly skilled individuals in the equipment finance industry, to expand our lease portfolio and business footprint. • Adjudication, portfolio management, governance & compliance, credit risk management and change management responsibilities of a national diversified equipment finance portfolio.

• Oversaw credit and operational risk for midmarket commercial accounts across three credit teams while also supervising Client Service Officer and Administration staff at the King and Bay Commercial Banking Centre. • Worked closely with the sales team to increase borrowing relationships by applying balanced credit decisions to the loan portfolio, assisting to develop creative loan structure for credit requests within the Bank’s credit appetite. • Assisted team members to develop competitive term sheets and quality credit applications for existing clients and prospects, providing appropriate structure and guidance where required. • Specialization in structuring and adjudicating senior debt transactions for MBO's, leveraged buyouts and cash-flow loans.

• Responsible for development and support of a high-performing sales and relationship management team of five Account Managers and one Manager Business Development. • Focused on relationship management and business development of a loan and deposit portfolio of diversified commercial businesses in Brampton, Georgetown and Etobicoke. • Active community involvement through the Brampton Board of Trade, Toronto Board of Trade, various charity/not for profit and other professional activities. • Member of the 2011 Mississauga Board of Trade Business Awards of Excellence Organizing Committee - Chair of the Judging Subcommittee • Brampton Board of Trade representative on the Brampton Clean City Committee (2011 – 2014)

• Effectively contributed to the development of a high-performing sales team through disciplined coaching, recruiting and ongoing training. • Focus on relationship management and business development of a loan and deposit portfolio of diversified Commercial businesses. • Active community involvement through the Mississauga Board of Trade, various charity/not for profit and other professional activities. • Toronto Region Immigrant Employment Council (TRIEC) Mentor (2009) • Member of the 2010 Mississauga Board of Trade Business Awards of Excellence Organizing Committee: Chair of the Nomination Subcommittee and Chair of the Judging Subcommittee.

• Worked closely with the sales team to manage the Nova Scotia and PEI markets. • Contributed to the success and growth of the Commercial Bank in Atlantic Canada. • Managed credit risk for Halifax and PEI markets with a strong pro-business attitude. • Effectively developed a high-performing team through coaching, recruiting and training. • Assisted in development of term sheets and credit applications for existing clients and prospects providing appropriate structure and guidance where required. • 2008 TD Business Banking Award recipient for Outstanding Service.

• Lead, oversaw, designed, and developed the Commercial Credit Risk Audit team and plan. • Built a positive work atmosphere while promoting a cohesive team environment. • Successfully implemented and rolled out new audit strategies. • Mentored and coached individual Audit team members provided balanced feedback to various Commercial Banking Centres and Senior Management, as well as individual Commercial Bankers across the Canada. • Effectively communicated with bank executives and staff while delivering both positive and negative messages.

• Contributed to, and charged various Commercial Banking Audits as an active team member. • Developed strong business communication skills when delivering balanced positive and negative messages to various Commercial Banking Centres and Senior Management, as well as individual Commercial Bankers.

• Managed portfolios of increasing sizes and complexities in diversified industries while pursuing new lending opportunities in Peterborough, Ottawa and Kingston, Ontario. • Thoroughly completed credit risk assessment and financing requirements through analysis of business, industry, environmental, foreign exchange and financial risk issues and measured qualitative and quantitative aspects of business financing needs and applications.Kingston, Ontario March 2000 – March 2003Ottawa, Ontario March 1999 – March 2000 Peterborough, Ontario September 1998 – March 1999