Josh Rubis, Cfa Level Ii Candidate Email & Phone Number

Victoria, British Columbia, Canada

• General Industries & Real Estate Operators:
• Conduct in-depth financial statement analysis to assess the financial health and creditworthiness of commercial clients. This involves interpreting balance sheets, income statements, and cash flow statements.
• Develop and manage relationships with a portfolio of commercial clients, understanding their business operations, financial structures, and growth opportunities.
• Develop and maintain financial models to forecast future performance of client businesses, aiding in the decision-making process for credit facilities.
• Engage in credit structuring and modeling, ensuring optimal balance between client needs and bank's risk appetite.
• Monitor and analyze market trends and economic indicators that could impact the financial stability of clients and their ability to meet credit obligations.

Victoria, British Columbia, Canada

• Supported and covered for the Manager, Cash Management of the Victoria Commercial Banking Centre, ensuring that commercial clients' cash and deposit management needs were met.
• Oversaw the identification, implementation, and negotiation of additional cash management products and services with the C-suite executives of our existing portfolio of 800+ businesses.
• Spearheaded requests for proposals (RFPs) by analyzing other-financial-institution banking statements, and composing and presenting comprehensive banking proposals to potential commercial clients to increase business.
• Corresponded with C-suite executives and founders on the application and uses of their existing cash management products on a daily basis, and provided legendary client experiences to deepen customer relationships.
• Promoted the TD brand within the district by participating in monthly business galas and events, fundraisers, and charity work, among others.
• Created strong relationships with and understanding of TD's other business lines such as TD Wealth, TD Corporate National Accounts, and TD Securities to increase cross-selling and referral opportunities across the Bank.

Victoria, British Columbia, Canada

• Built and maintained relationships with existing clients, providing guidance and advice on a range of financial solutions.
• Attained the designation of Confidence Level III by structuring over 250 personal banking solutions, implementing 90+ personal lending products, and referring 90+ high-quality leads to our investment advisory business.
• Processed real estate-secured lending applications, including mortgages and home equity lines of credit, and achieved exceptional results by surpassing job expectations.
• Achieved significant closed money-in referrals for our investment advisory business, exceeding quarterly money-in goals by 8,800% in Q1 2021 alone, with a total volume of $5,600,000.00+.
• Recognized as one of the top Pacific Region advisors twice (Q1 2020, Q2 2021), measured by total output and peer recognition.
• Coached Vancouver Island sales teams by sharing sales funnel systems, conversation strategies, and follow-up guides at the request of the District Vice President.

Victoria, Canada

• Processed financial transactions like deposits/withdrawals, wire payments, and tax payments, among others, while minimizing risk to the Bank.
• Successfully opened and sold various financial products as measured by my 350% sales revenue pace by having a genuine interest in clients’ well-being and comprehensive knowledge of our product offerings.
• Promoted to an advisory role in only 10 months of part-time work.

Bachelor Of Arts - Ba, Economics (Finance Option)

Undergraduate degree that focuses on the systematic study of the production, conservation and allocation of resources in conditions of.

Certificate, Accounting, Final Mark: 99%

Completed a program that taught how to measure and report the financial events of an individual or entity. Other common topics included.

Bachelor Of Science - Bs, Biology & Business Management

Activities and Societies: University Student Government, Batch President

High School Diploma

Activities and Societies: Debate Team Captain, Chemistry Team Captain