Embraer E195-E2 First Officer, CYYZ Base

Q400 Dash 8 First Officer, CYTZ Base

- Delivery of flight training for individuals seeking to become pilots as career or hobby;- Qualified to instruct on Cessna 150/152 and Cessna 172 aircrafts; - Responsible for providing ground school training;- Highly focused on professionalism constantly seeking to lead by example with positive attitude, strict standards and accommodating to individual student needs

- Prepare credit applications recommending limits on trade finance, foreign exchange, swaps and precious metals loans for financial institutions in USA and Latin America. - Negotiate credit conditions with relationship managers, traders and risk managers to balance business needs with Scotiabank's risk appetite. - Perform detailed analysis of financial institutions including assessment of capital, assets, management, earnings, funding and liquidity. - Assess bank risk within the regulatory, economic and political environment studying the impact of political and regulatory changes.

- Financial analysis and credit adjudication of Latin America commercial and corporate clients covering a wide range of industries (telecom, retail, agribusiness, construction, real estate, etc).- Ensured that applications presented to senior credit committee were analyzed accurately, support information was complete and sound recommendations were made. - Analysed the proposals presented by Banking units and negotiated terms and conditions to mitigate potential risks related to loans, letters of credit and complex derivatives.- Closely monitored problem credits and provided recommendations with the purpose of minimizing potential losses to the bank.- Participated in a 5 month rotation with Credit Risk Audit, reviewing corporate clients from Canada, USA and Latin America.

- Ensured complex loan documentation for bilateral loans and syndications were in compliance with approved conditions; processed disbursements and payments.- Conducted financial statements analysis and monitored collateral margins and covenants of Canadian commercial clients.- Monitored risk associated with term loans, mortgages, letters of credit and other credit products. - Researched issues related to credit and acted as primary contact for commercial clients which credit limits varied from US$5mm to US$150mm.

- Wrote credit applications that included facility description, collateral, terms and conditions, industry analysis, financial analysis and projections.- Provided recommendation to senior executives for potential transactions such as project finance, complex derivatives and debt restructuring.- Responsible for a diverse credit portfolio of corporate clients from Latin America. Main industries covered were agribusiness, retail, food and beverage, and trading offices.- Recommended corrective actions and closely monitored accounts presenting payment problems.- Supervised a team of three associates