Ruby Li Email & Phone Number

Richmond, Bc, Ca

Burnaby, British Columbia, Canada

Awards:-Named one of BMO Private Wealth’s top three referrers to BMO commercial Bank and attending Canadian commercial bank Platinum Club Conference in April 2023 at Cancun Mexico-Recipient of Performance Award for 2023, conference in Toronto at Sep 2024

Vancouver, British Columbia, Canada

2018 BMO Conference Palm Spring, CACustomer Collaboration story: https://vimeo.com/309879659/53ffbe1913/description

Vancouver, Canada Area

• Applies relationship selling & relationship management principles & techniques, counsels customers relative to their commercial & personal financial needs & goals, satisfying those needs. • Provides relationship management for portfolio of commercial customers & individuals connected commercial accounts. • Responsible for quality of: the opportunity, information, analysis, credit decision & profitability. • Responsible for aggressive, focused profitable sales of both credit/non-credit products to customers and prospects in the mid-market place including self-development of an extensive network of referral sources through effective strategy of community involvement.• Develops & expands profitable client relationships• Loan draw over 200% of annual target by 2018 Q2• 3 times spotlight performance reward winner : 2017 Q3 , 2018 Q1 & 2018 Q3

Burnaby, British Columbia, Canada

• Supports effective delivery of Relationship Management the BMO Way. • Accountable to perform ongoing comprehensive credit analysis on borrowing customers for an assigned number of CAM(Commercial Account Manager) portfolios, assessing the overall financial health of the commercial entity and credit risk to the Bank using discretionary authority, within prescribed limits, to decision and/or provide timely advice to the CAM for action to address.• Understands the BMO Commercial Products and end-to-end loan process by providing accurate, effective analysis and, identifying, correcting, and decisioning or advising of any deficiencies and exceptions, including recommendations to remedy, to ensure asset and credit quality are maintained at an acceptable level. • Facilitates the credit transaction aspect of the sales process with the CAM by conducting comprehensive analysis of complex customer data, including developing risk profiles, credit structuring of lending proposals, and completing credit investigations, as required. Accountability to work with CAM’s in developing cost effective and profitable holistic solutions (Deposits, CM, Loans) to existing customers. • Makes credit decisions and recommendations in accordance with sound credit-granting principles, delegated authorities and in compliance with Bank Policies & Procedures.

British Columbia, Canada

•Supports the team sales approach, along with three Senior Relationship Managers and Customer Service Representatives, to meet the needs of AgValue and large AgProduction accounts by being the key resource in preparing credit submissions for loan proposals•Manages relationships and processes loans with smaller new and core AgValue customers in addition to preparing and approving loan requests for these customers that are within unilateral authority and scorecard limits.•Completes research on enterprises and businesses to support the Senior Relationship Manager in prospecting new customers and maintaining relationships with key customers, high potential customers and Centres of Influence via the relationship management process•Act as the primary liaison with Credit as part of the authorization process in structuring, negotiating, approving and/or recommending the loan terms conditions, conditions and security agreements, within pre-determined limits •Negotiate inter-lender agreements, capital call agreements or other such agreements that allow the Corporation to meet customer needs while minimizing risk to FCC•Competitve Intelligence Champion for Western Region Agrifood and Agribusiness

Surrey, B.C

Responsible for contributing to the profitable growth and quality of the Bank's Commercial Credit portfolio by: collecting and assimilating information necessary to make credit decisions, conducting financial modelling (financial and credit analysis), and supporting the Senior Credit Solutions Manager in company and industry analysis; and supporting the SCSM in the write-up of credit applications. *Performing structuring and analytic functions, along with other due diligence activities on deals;*Assisting with the execution of transactions (deal write up, analysis activities in MFA/BRR);*Completing risk assessments and developing recommendations as to the appropriate course of action;*Analyzing and processing amendment requests*Researching credit and bank service requirements of existing and prospective clients; * Ensuring credit are properly and accurately investigated, evaluated and documented by utilizing the MFA output in addition to any further investigation or trend analysis from financial statements such as inventory, receivable and payable listings and analysis of other customer or prospect information.*Ensuring adherence to the Bank's Anti-Money Laundering program, Know Your Customer requirements and Guidelines for Business Conduct, by reporting any unusual occurrences or fraudulent activities per established procedures.

Burnaby, British Columbia

•Ensure customer employment status and income source from dealers are investigated, evaluated and correctly documented.•Following up on outstanding employment status and income source documentation queries for assigned loan applications.•Approving income exceptions within reasonable policy parameters.•Identifies, assesses and escalates potential fraud situations•Make final income decision based on all application information while ensuring risk to Scotia bank is acceptable and within reasonable policy parameters.•Obtain missing and/or confirm existing income and employment information provided by dealers with a strong focus on approving income based on credit and application information and minimizing losses from income fraud.•Focus on accurately capturing required income and utilizing credit decisioning information in the Business Line's credit adjudication and core contract systems.Achieved superior rating for performance annual review.

Burnaby, British Columbia

•Proactive and reactive collections of delinquent corporate/personal accounts •Provided front-line professional and courteous customer service by answering billing inquiries, making payment arrangements and protecting TELUS Communication Company's interests •Crossed-trained with Accounts Receivables •Responsible for trouble shooting with customer’s accounts, entry-level technical support.•Handling client escalations due to suspension and cancellation of cellular accounts.•Coordinating with clients, collection agencies and bankruptcy trustees.•Exceeded individual performance standards with respect to Call Centre metrics.•Educating clients on policy/procedures and timelines set out by Accounts Receivable •Promotion of different payment options with strong negotiating and decision making skills.

Richmond, B.C

•Responsible for recording and posting cash and cheques to proper accounts.•Ensure the timely receipt of financial documents related to auto financing/leasing payment transaction such as quote for lease buyout from customers, dealers and 3rd party•Process and reconciles all account billings and receipts from customers, dealers to ensure all deposits have been received by the bank in timely manner•Take initiative to investigate discrepancies and process efficient adjustment by contacting and follow up with bank, customers and Honda dealers•Answer customer inquires and perform efficient follow-up on problem payouts/unidentifiable cheques.•Verify backup and daily deposit documents are accurate, complete and compliant with established policies.

Bachelor Of Arts (B.A.), Economics

Activities and Societies: TA-Taiwanese Association- Department of Public Relations Public Relations assistant

Courses, Personal Financial Planning