NICHOLAS HOY LOON, HO● 7-330 Village Green Sq., Scarborough, Ontario. M1S 0L1 ●● Office 416-927-6084 Home 647-971-3777 ●SUMMARY OF SKILLS AND STRENGTH : • Over 24 years of credit/lending experience (both in commercial and retail) with the Bank of Montreal, qualified with commercial credit limit. Underwrite applications from US and Canada.• Adopting a superior work ethic with a continuous improvement mindset & challenging status quo has had a few initiatives implemented; one nationally• Over 7 years of people management experience• Detail and analytical minded with a flair in financial analysis • Refined problem resolution/client service abilities.• Go to person/coaching to Junior Officers .EXPERIENCE 2011 – Present Bank of Montreal Toronto, ONPortfolio Manager (Diners Corporate Card PMU)• Prepare initial and ongoing credit submissions for both US and Canadian assigned accounts. • Perform Financial Statement analysis include spreading of financial data into MRA.• Perform risk rating calculations in FACT to complete risk assessment. • Provide guidance to PSOs in MRA financial spreading; Anti-Money Laundering and credit issues. EDUCATION AND ACCOMPLISHMENTS • In progress: Chartered Professional Accountants/CMA Prep program- 2014• Commercial UDL Qualified since 2007 ( UDL - $750m)• C200 & C100 completed with distinction in 2005 and 2006• UDL Credit qualified for Self-Employed (since 1992).• Personal Financial Planner, CSI (2001)• Certified Investment Manager, CSI (1996).• Canadian Securities Course, CSI (1994)• Mutual Funds, IFIC ( 1992).• Bachelor of Business Administration, University of New Brunswick