John Peters Email & Phone Number

Bonnyville, Ab, Ca

Toronto, On, Ca

Provides leadership over Infrastructure Ontario's (IO) lending program, overseeing the execution of the credit risk management framework governing the approval and monitoring of loans. IO is mandated by the Province of Ontario to provide infrastructure purposed loans to specified sectors. The loan portfolio is currently around $5.5 billion outstanding.The role of Vice President is primarily focused on the following:* Execution of the credit risk appetite.* Development of credit risk policy, guidelines and procedures.* Ensuring individual credit applications are reviewed under a minimum level of analysis and due diligence, and include an appropriate covenant and security structure.* Building and leading a team of credit risk professionals, providing staff training and direction intended to ensure the application of credit risk management expertise capable of evaluating, controlling and executing risk-based decisions and transactions.* Continuous monitoring and review of the credit risks that can impact the loan portfolio.* Development and maintenance of a standard set of risk and performance reporting.

Toronto, On, Ca

Toronto, Ontario, Ca

• Primary responsibility for commercial credit adjudication and related processes.• Assumed leadership of the commercial credit risk management team following a merger, with a clear directive to raise the quality and efficiency of all commercial credit functions, while supporting loan growth.The following accomplishments were achieved in an environment of loan growth of $1.5MM to $3.5MM over 6 years, and should be viewed in conjuction with those listed under the Sr. Manager position below, as both positions represent a continuim of my experience at Meridian, Ontario's largest credit union.• Successfully standardized disparate legacy commercial credit processes, which included the following major initiatives:• Created an extensive online Commercial Credit Procedures Manual to both document and streamline the application of commercial credit policy and procedures.• Completed a full review of all commercial loan security documentation in consultation with legal counsel, implemented many amendments and the created detailed reference material to assist ongoing staff training.• Developed a standardized Commercial Credit Application.• Built a standard Credit Agreement• Designed and built a Margined Operating Line tracking tool.• Created and/or significantly refined portfolio reporting to enhance risk management and better identify portfolio trending, including the creation and ongoing enhancement of the following reports: • Watch List Report • Report of Irregular Liabilities (aka Loan out of Order Report). • Industry Sector Exposure, including ongoing review and adjustment to sector limits. • Risk Rating Stratification and Trending.• Created an independent Commercial Credit Recovery team to mitigate credit losses and more efficiently manage deteriorating commercial credit files; previously, management of such files was handled on an ad-hoc basis by commercial lenders or Credit Department staff.

Toronto, Ontario, Ca

Oversaw management of an impaired loan book which peaked at upwards of some 30 files, a few approaching low to mid 8 figure exposure. Well versed in all aspects of commercial impaired loan management, including Power of Sale action, Receiverships, Bankruptcy, CCAA, Forbearance Agreements, Loan Loss provisioning, etc. • Built loan syndication capacity from the ground up, creating a Loan Participation Agreement and excel based syndication loan accounting programs. Established relationships with a half dozen syndicate partners to facilitate the syndication of several hundred million dollars of project and real estate financing over a 5 year period.• Constructed a comprehensive Commercial Risk Rating model resulting in a more stratified and bell shaped view of the risk of the commercial loan portfolio, and as importantly, provided a structured approach for lenders to take a holistic view of the overall risk profile of an individual borrower i.e. industry, business, management, financial and security risk factors. • Created numerous industry lending guidelines where Meridian had significant exposure.• Designed and launched an intranet portal to house all commercial credit related documents.• Completed portfolio PD and LGD modelling with assistance of a 3rd party consultant, for purpose of enhanced loan loss provisioning and construction of a RAROC model.• Grew the commercial credit team from 4 to 12 positions, playing a major role in recruitment and department restructure.• A member of the Capital Employment Committee, a committee made up of the executive team which assessed credit union appetite for new deals of certain size/industry/geography, assessed high level economic factors and potential impact on the commercial loan portfolio, • Made presentations from time to time to the Credit and Investment Committee of the Board, to support credit policy amendments and authorization of large dollar credit applications.

Toronto, Ontario, Ca

In later years, I provided trusted financial advice to complex mid-market (public, private, and not-for-profit) clients to improve financial structure and apply customized banking solutions, premised on optimizing risk profile and maximizing profitability for both the client and TD. Used this same approach to successfully attract new relationships and build a reputation in the market as a corporate banking professional to which business reached out to for advice. I started at TD as a commercial credit trainee and moved to increasingly senior commercial account management roles, followed by Manager of Commercial Credit, and Manager of Business Development, and Senior Relationship Manager.• Consistent strong performer, with a successive line of promotions resulting in career advancement at the leading edge of peer group.• Extensive training under TD and exposure to varied industries and business scenarios in varied geographic markets throughout Ontario, including London, Niagara Region, Kitchener/Waterloo, Hamilton, Brantford, Burlington/Oakville.In summary, TD experience reflects a conventional domestic commercial banker with consistently strong performance, proven sales and service experience around account management, an impressive record of business development, high credit assessment capability, and people management experience.

Bachelor Of Arts Honours Business Administration

Education record