Matthew Hebert Email & Phone Number

Hamilton, On, Ca

Mississauga, Ontario, Canada

- Led the underwriting and loan closing of secured lending transactions, exercising independent judgment to guide medium risk deliverables.- Present recommendations for resolving complex situations by applying expertise in inventory finance.• Collaborated with internal partners and stakeholders to ensure successful deal closures.

Ontario, Canada

• Directed a team of 2 Credit Underwriters and 3 Document Administrators in the day-to-day operations of the lending department for the leading provider of financing products to used car dealerships across the country • Administered the Canadian credit portfolio with individual loan sizes reaching up to $10 million • Reported to the Managing Director of Canada and offered subject matter expertise to inform strategic planning• Guided all aspects of the lending process including underwriting, credit approval, documentation, and activation• Partnered with the sales team to define customer pricing, approve loan terms, and mitigate potential risks• Led the planning and execution of strategic projects and served as the liaison between the sales and lending teams• Accountable for the team hiring, training, talent development, and performance evaluation and managementKey Achievements:✔ Designed and instituted the national lending guidelines that were updated on a quarterly basis by translating the US standards for the Canadian market to dramatically improve team efficiency, accuracy, and adaptability ✔ Reduced challenges to underwriting decisions by over 80% by enhancing the communication between the underwriting and sales departments through gathering stakeholder feedback and rectifying recurring issues✔ Orchestrated the Canadian lending department’s transition to the new SalesForce platform by working closely with vendors and driving the project planning, business readiness, stakeholder training, and system integration ✔ Simplified document preparation by standardizing procedures to maximize efficiency and minimize errors ✔ Gained executive approval to initiate the first co-op student program and recruited the inaugural participants

Burlington, Ontario

• Oversaw a $2 billion Canadian floorplan financing portfolio and investigated and adjudicated loans worth up to $20 million for dealership clients in the RV, marine, agriculture, trailer, and manufactured housing sectors • Managed a 3-member underwriting team responsible for completing new credit requests and annual reviews• Devised and delivered training programs to educate team members on company procedures and best practices• Tracked team performance to ensure compliance with industry regulations, quality levels, and corporate policies Key Achievements:✔ Streamlined deal turnaround time by over 30% and eliminated roadblocks that delayed over a third of annual reviews by enabling new analytics features on the SalesForce platform and achieving a 100% team adoption rate

Hamilton, Ontario

• Commanded a $4+ billion portfolio comprised of over 75 auto dealerships at the Ontario Dealer Finance Centre• Supervised 3 Credit Solution Managers in the oversight of structured client accounts exceeding $100 million • Built and nurtured client relationships to understand needs, fulfill transactions, and uncover sales opportunities• Established team performance objectives and facilitated annual employee evaluations to gauge individual progress Key Achievements:✔ Realized a perfect employee retention rate within an industry with notoriously high turnover and played a key role in helping 3 team members receive promotions within Scotiabank through hands-on coaching and mentorship✔ Successfully acquired and onboarded over 20 Analysts during the consolidation of the 4 dealer finance centres✔ Founded the onboarding program for co-op students to accelerate the learning and development of new hires

Hamilton, Ontario

• Tasked with arbitrating loans for the largest automotive dealership groups in Ontario worth a combined $1 billion • Executed annual account reviews and new credit applications to achieve deadlines within the assigned portfolio• Conducted risk assessments on floorplan, acquisition, real-estate, and wholesale lease financing agreements

Toronto, Canada Area

• Selected for the manager secondment program in the Canadian Commercial Credit Risk Monitoring department• Controlled over $1 billion in outstanding loans from 175+ accounts across the bank’s Atlantic automotive portfolio

Hamilton, Ontario

Master Of Business Administration (M.B.A.), Finance, General

Bachelor Of Arts (B.A.), Economics