Senior Analyst
Loan & Appraisal Review
BMO Financial Group
Results‑driven banking and risk management professional with 10+ years of experience spanning retail banking, credit underwriting, credit strategy, and enterprise risk oversight. Recognized for leading complex credit initiatives, enhancing loan quality, and strengthening risk governance through disciplined loan review, process optimization, and data‑driven analysis. Adept at partnering across functions to deliver operational improvements, manage stakeholder expectations, and support effective risk management in fast‑paced, highly regulated environments.
Senior Analyst, Loan and Appraisal Review at BMO Financial Group
January 2025 – Present
Execute independent loan reviews of 50+ files per month, testing adherence to policy, exception governance, and risk appetite; document defensible rationales aligned to regulatory expectations.
Identify recurring defect themes and emerging risk trends. Escalate material control gaps and recommend targeted remediation to strengthen review methodology and control consistency.
Strengthen fraud and AML detection by surfacing identity mismatches, data inconsistencies, and red flags, initiating referrals and supporting timely escalation pathways.
Contributed to SOP and Loan Review Checklist enhancements in response to audit themes, improving standardization, documentation quality, and governance alignment.
Support Corporate and OSFI audit readiness by ensuring evidence, mitigation rationale, and approvals meet internal standards and regulatory scrutiny; translate findings into practical solutions for stakeholders.
Reduced repeat findings by 20% and improved documentation completeness from 20 errors to 7 through targeted feedback and process reinforcement.
Quality Control Analyst at BMO BrokerEdge
October 2023 – January 2025
Completed 60+ quality control reviews monthly on broker -originated files, performing compliance testing to ensure alignment with BrokerEdge policy, Merlin workflows, product guidelines, and regulatory requirements.
Applied enhanced due diligence and fraud detection techniques to identify suspicious activity; escalated risk concerns to protect the bank from preventable losses and reputational exposure.
Investigated and remediated compliance gaps, including B20 violations, partnering with FN to withdraw and remediate impacted applications and prevent downstream control failure.
Led investigations initiated by BMO’s Second Line of Defence (Risk) team for B20 exceptions; delivered root cause insights and actionable fixes to reduce recurrence.
Mentored and trained six new hires, driving capability uplift and improving decision quality; Contributed to a significant reduction of the team’s appeal success rate from 35.61% to 10.13% within six months.
Served as interim manager for a 10 members QA team, handling escalations and leadership reporting to ensure consistent governance execution during transitions.
Senior Credit Underwriter at BMO Financial Group
April 2022 – October 2023
Reviewed and adjudicated 185+ auto financing credit applications weekly, approving or declining requests based on detailed financial analysis and risk assessment.
Successfully underwrote loans totalling $50M+ annually, ensuring adherence to BMO policies and industry regulations.
Maintained a loan approval accuracy rate of 98%, minimizing loan defaults through rigorous risk assessment and compliance.
Achieved 95% SLA compliance, delivering timely credit decisions while ensuring high customer satisfaction.
Maximized efficiency by providing Funders with accurate and timely data, enabling them to process requests 30% faster and meet or exceed SLAs consistently.
Managed escalations, providing clear and concise rationale for credit decisions, resulting in a 15% decrease in escalations and reduced resolution time by 30%.
Trained and mentored a team of 5 junior underwriters, enhancing team productivity by 20% through knowledge-sharing and process improvement initiatives.
Relationship Manager at BMO Financial Group
April 2018 – April 2022
Managed a portfolio of 500+ clients, achieving 115% of annual sales targets by effectively identifying client needs and providing tailored financial solutions.
Increased client retention rates by 25% through consistent relationship-building, personalized service, and proactive engagement strategies.
Exceeded annual sales targets by 120% by cross-selling financial products, including loans, investments, and creditor insurance.
Enhanced client satisfaction, achieving a Net Promoter Score (NPS) of 95%+, through proactive communication, and timely resolution of client concerns, ensuring seamless service delivery and fostering long-term relationships.
Identified and referred clients to appropriate wealth management and banking solutions, contributing annually to $5M+ in new business growth.
Adjudicated high-limit credit applications, supporting a total loan portfolio of $10M+, while ensuring compliance with sound credit-granting principles and regulatory requirements.
Proactively assessed and mitigated risks within the portfolio, escalating critical issues as needed to maintain a high-quality asset base.
Personal Lending & Investment Specialist at BMO Financial Group
October 2016 – April 2018
Conducted comprehensive risk analysis for 200+ home financing and personal loan applications annually, ensuring credit structures and terms met clients’ needs while adhering to authorized limits, resulting in 98% compliance with internal policies.
Identified and implemented process improvements that enhanced team efficiency, reducing loan processing time by 25% and maintaining high customer satisfaction.
Maintained an up-to-date knowledge of lending industry trends and practices, integrating insights into customer conversations to drive $5M+ in new business and deepen client relationships.
Analyzed credit bureaus and financial data for 500+ clients per year, identifying risks and growth opportunities, and offering personalized financial plans that resulted in 20% improvement in client credit scores on average.
Resolved 95% of client issues within initial contact by clarifying concerns, providing accurate information, and implementing effective solutions, while escalating unresolved issues promptly to maintain client satisfaction.
Everyday Banking Mentor at BMO Financial Group, NACCC
July 2016 – October 2016
Mentored and coached new hires.
Provide constructive feedback and create action plans.
Listen, monitor calls & identify areas of improvement.
Prepare coaching report.
Monitor and record the trainee's progress.
Everyday Banking Associate at BMO Financial Group
July 2015 – July 2016
Act as the first line of contact and trusted consultant to customers.
Understand customers' needs and recommend the right products and services to meet their needs.
Use critical thinking to remain solution-focused and recognize the big picture.
Identify opportunities to help customers and grow the business.
Provide sound financial advice through meaningful conversations.
Repayment Counselor at D+H (Davis and Henderson)
September 2011 - February 2014
Provide customer service to customers via telephone.
Administer customer accounts through inbound and outbound calling.
Resolve repayment challenges for student loan borrowers.
Counsel and educate borrowers about their loans and debt management options.
Identify the best option for each borrower's unique situation.
Negotiate debt management solutions while maintaining brand image.
Complete loan processing requests to update a customer's account as recorded.
Dealing with difficult customer behaviors and emotions.
Monitoring & Controls: Control Testing, Results Interpretation, Remediation Support.
Issues Management: Identification, Documentation, Action Plans, Tracking & Escalation
Regulatory & Policy Governance:
B-20, internal policy adherence, audit themes
Risk Trend & Root Cause Analysis
Fraud / AML Red Flag Identification & Escalation
Audit Readiness & SOP Enhancement
Cross‑Functional Relationship Management:
1st and 2nd Line of Defense
Process Improvement
Bachelor of Arts (BA), Economics
(University of Guyana)
Certificates:
Business Management | Sales & Marketing
(American Management Association)
Professional Development:
Fundamentals of Financial Analysis - BMO IFL
Fundamentals of Credit Solutions for Business Banking - BMO IFL
AI For All - BMO IFL
Agile For All - BMO IFL
Automation Business Analysis - UI Path/ IIBA
Leadership Development Journey- BMO IFL
Information Technology for Customer Service
Introduction to Psychology
Applications: Merlin, CCAPS, MDIF, CFS, Optimizer, Excel, MS Office, Power BI, BMA
Ambition 2025 Annual Award Winner
2025 Q1 Grand Ovation Winner
BMO - Spotlight Award
March 01-2021
June 01-2020
May 27-2019
June 14-2017
November 26-2016
September 9-2016
March 10-2016