MNMo N
@mon
Experienced credit manager with a strong background in risk assessment.
CanadaWhat I'm looking for
As a dedicated credit manager at Toronto Dominion Bank Group, I have successfully adjudicated and approved over $750 million in Canadian Residential Real Estate Secured Lending transactions since 2021. My role involves managing a diverse portfolio of clients, ensuring their needs are met while adhering to the organization’s risk policies. I pride myself on building and maintaining strong client relationships through effective communication and tailored advice.
Throughout my career, I have consistently demonstrated my ability to collaborate with various partners to enhance existing processes and improve customer satisfaction. My efforts have been recognized with multiple awards, including the 2023 TD Bank Group Q4 Bravo award for being a top producer. I have also delivered comprehensive presentations to executives and senior managers, showcasing my expertise in underwriting practices and strategic initiatives.
With a Master’s in Business Administration and extensive experience in risk management and financial analysis, I am committed to driving efficiency and excellence in all aspects of my work. I am fluent in English, French, and Wolof, which allows me to thrive in multicultural environments and effectively engage with diverse stakeholders.
Experience
Work history, roles, and key accomplishments
Credit Manager
Toronto Dominion Bank Group
Jan 2021 - Present (4 years 4 months)
Successfully adjudicated and approved over $750 million in Canadian Residential Real Estate Secured Lending (RESL) transactions. Managed a portfolio of client files, providing tailored advice and building strong relationships while ensuring alignment with risk policies.
Senior Underwriter
Toronto Dominion Bank Group
Jan 2020 - Dec 2021 (1 year 11 months)
Adjudicated advanced real estate credit risk assessments, approving over $1.5 billion CAD in Canadian residential real estate transactions. Conducted thorough risk assessments, including borrowers’ creditworthiness, financial statements, and property appraisals.
Junior Underwriter
Toronto Dominion Bank Group
Jan 2017 - Dec 2020 (3 years 11 months)
Responsible for underwriting, analyzing, and decisioning real estate secured lending portfolios, successfully approving over $2.2 billion worth of residential real estate lending transactions. Consistently ranked among the top underwriters, achieving the number one position on the TD Western Real Estate Secured Lending Scorecard in 2019.
Insurance Analyst
TD Insurance Meloche Monnex
Jan 2016 - Dec 2017 (1 year 11 months)
Sold new insurance policies to customers and successfully upsold additional products and add-ons. Collaborated extensively with underwriters and adjusters on policies, identifying key underperforming areas and implementing effective new sales processes.
Insurance Analyst
Alberta Motor Association
Jan 2015 - Dec 2016 (1 year 11 months)
Prepared documentation for insurers, completed applications for clients, and issued insurance certificates while processing changes and reviewing renewals. Promoted and sold in-house products, delivering exceptional customer experience and meeting sales objectives through client relationship building.
Education
Degrees, certifications, and relevant coursework
MUMcGill University
Lean Six Sigma White Belt and Yellow Belt, Process Improvement
Completed a certification program focused on Lean Six Sigma methodologies, covering both White and Yellow Belt principles. Gained practical skills in process improvement and efficiency.
UAUniversity of Alberta
Master’s in Business Administration, Business Administration
Completed a Capstone Project involving comprehensive market analysis for a real-world business, identifying growth opportunities and potential threats. Relevant coursework included Managerial Finance, Strategic Supply Chain, Data Analysis, Principles of Real Estate, Economics, and Accounting.
UAUniversity of Alberta
Bachelor of Commerce, Business Economics and Law
Pursued a Bachelor of Commerce with a major in Business Economics and Law, gaining foundational knowledge in economic principles and legal frameworks relevant to business. Developed analytical and critical thinking skills applicable to various business contexts.
Lycée Français Jean Mermoz
Baccalauréat Littéraire, Literature
Obtained a Baccalauréat Littéraire, focusing on literary studies and humanities. This diploma provided a strong foundation in general education.
Tech stack
Software and tools used professionally
Availability
Location
CanadaAuthorized to work in
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