Halifax, Nova Scotia, Canada
With more than 20 years of experience in Commercial Lending, I’ve built a career across roles such as Account Manager, Multi‑Residential Underwriter, and Commercial Credit Analyst. I’ve managed portfolios from $1M to $100M and supported a wide range of financing needs, including export and inventory lending, industrial and commercial financing, office and multi‑residential properties, as well as complex acquisitions and syndicated transactions. My work is grounded in rigorous analysis, sound judgment, and a deep understanding of real estate and commercial credit. I draw on extensive experience to support clients effectively while representing my employers with professionalism, integrity, and a commitment to strong credit discipline. My career has taken me from Montreal to Ottawa, Calgary, and now Halifax, where I’ve been based for the past 12 years. I’ve had the privilege of working with respected organizations such as Desjardins, National Bank, Shell Canada, HSBC, and CMHC. Over the years, I’ve earned multiple high‑performance accolades that reflect consistent results and a dedication to excellence.
My role is to support the management and growth of the commercial mortgage and construction loan portfolios by advising clients, credit unions, and commercial lending staff on deal structure throughout the approval process. I analyze annual commercial mortgage reviews and build strong relationships with credit unions, clients, and referral partners to help expand the commercial lending portfolio.
iQ Commercial Mortgage Strategy Inc. (iQ) is Atlantic Canada's largest independent commercial real estate debt advisory firm. Key Responsibilities • Oversee the assessment of borrower strength, property performance, market conditions, and overall deal structure. • Ensure full adherence to risk policies, AML standards, and regulatory requirements when preparing lending packages for lenders or CMHC. • Provide expert guidance on CMHC programs, policies, and underwriting practices. • Mentor and develop underwriters, enhancing analytical capabilities, credit discipline, and risk assessment across the team. • Coordinate with partners, lenders, clients, and internal resources on funding requirements, and review offers, commitment letters, insurance certificates, and related documentation. • Collaborate with relationship managers, risk teams, and senior leadership to structure competitive and prudent financing solutions. • Strengthen underwriting frameworks, processes, and tools to improve efficiency, consistency, and overall credit quality.
Key Responsibilities • Support the development and monitoring of Lender Engagement Plans driven by corporate priorities, informed by client needs and market/industry trends, and designed to meet key performance indicators and improve client experience, • Analyze and report on client satisfaction through the administration of client satisfaction surveys and business performance analyses, and by monitoring market trends and other key indicators of the operating environment, • Provide regular guidance and interpretation to address policy and operational issues and program improvements, • Liaise with lender head office contacts to support consistent national practices, strengthen relationships, and address recurring operational needs, • Engage with other CMHC business lines to resolve complex or sensitive issues that impact reputational risk, • Provide training and coaching to internal and/or external clients to support consistent approaches across the MU CRM team and lender network, • Coach and mentor the MU CRM team by setting standards, sharing best practices, and building team capability.
• Playing a lead role in managing and enhancing the relationship between CMHC and key Financial Institutions Lenders. • Identifying, customizing, and delivering appropriate presentations and training to maximize product knowledge and improve application quality. • Maintaining a strong network of industry contacts.
Support mid-market to large corporate commercial customers covering the Atlantic Region. -Complete, timely, and in-depth evaluation or review of financial and operating risks for all credit facilities. -Effective management of credit, operational, reputation and regulatory risk. -Coach and train new analyst /support officer/coop. -Resolve/Identify/Escalate concerns to management as appropriate to ensure timely awareness of any material concerns. -Review margining cards/conditions and reporting requirement on the operating facility.
-Support Relationship Manager as a first point of contact for any administrative/operational request -Manage daily risk reports -Reponsable for CDD/AML/Global standard and remediation of existing commercial customer -Handle International Account Opening request -Draft commercial Facility Letter
-Managed a commercial and industrial client base made up primarily of small and medium-sized businesses with a focus on multi-units financing structure. -Carried out financial analysis and prepared service offerings for businesses in the major commercial, industrial and institutional markets in specialized sectors (real-estate,manufacturing, wholesale, retail and service firms). -Granted financing to clients and follow up in accordance with current standards and practices. -Contributed to the business development objectives by prospecting, identifying and developing new business opportunities and soliciting and selling products and services. -Developed a solid cross-channel sales referral processes, local market, and existing business relationships to maximize portfolio revenue, as well as to acquire new clients -Provided timely and effective problem resolution -Structured, negotiated, underwrote and assisted in the closing of mid-market commercial mortgage investment opportunities in accordance with credit and investment policies and procedures. Managed a portfolio of commercial mortgages, commercial loan for mid-market loans/borrower relationships. -Managed risk and minimized losses through monitoring and control reports, ensuring that compliance requirements, audits and verifications are completed in accordance with the bank -Performed site inspections, completion of financial reviews for annual reviews, loan renewals and the handling of all borrower requests. -Documented and followed up on discrepancies that represented significant operational risk and escalated as required. -Assisted with the training and mentoring of new employees. -Monitored overdue credit reviews ensuring any potential risks associated with delays were addressed appropriately.