Michael De Castro, MBA, CSC

Calgary, AB. ǀ C: 403-***-**** ǀ E: adb5rj@r.postjobfree.com

LinkedIn: https://www.linkedin.com/in/michael-leo/

PROFILE

Over 12 years of experience in Finance, Credit and Analysis.

A well organized, multi-tasking self-starter with strong attention to detail.

Excellent communication, negotiation, presentation & reporting skills.

A track record of coordinating/ collaborating with cross-functional teams and stakeholders.

Learns quickly with a passion for analyzing/integrating data from varied sources.

Holds an MBA degree & accomplished the CSC (Canadian Securities Course).

AREAS OF EXPERTISE

Financial Analysis, Modelling & Forecasting

Credit Risk & Banking

Administration, Documentation & Operational Support

Customer Service / Collaboration

Market, Economy & Industry Research

Business/ Case Analysis

Marketing & Relationship Management

MS Office Applications (Excel, Word, PowerPoint, etc.)

PROFESSIONAL EXPERIENCE

Credit Advisor Sep 2018 – Aug 2019

Royal Bank of Canada (RBC)

•Adjudicated credit applications within delegated lending authority and credit limits while practicing due diligence in assessing financial soundness and credit worthiness of clients.

•Provided financial /credit advice while practicing excellent customer service.

Mobile Mortgage Advisor May 2018 – Sep 2018

Canadian Imperial Bank of Commerce (CIBC)

•Engaged with clients to advise and facilitate mortgage banking needs while providing excellent customer service.

•Built relationships with the local community and form networks that generate opportunities to deliver bottom line sales results.

Senior Officer - Credit Administration Apr 2011 - Jul 2017

Qatar National Bank (QNB)

Credit Administration / Documentation role:

•Improved operational productivity – efficiently managed the daily workload of 7-10 senior / junior credit officers.

•Improved credit processes – identified & formed strategic solutions for credit operational gaps in documentation, archival control & temporary extension process

•Maintained / monitored the status of the bank’s top client credit cases ‘under process’ (approx. 80-120 cases at any time).

•Increased cross-department collaboration - via communication / coordination of deliverables among teams (totaling 9 teams).

•Minimized complaints & deliverable follow-ups from branches and other departments.

•Prevented audit penalty points - via document review/ research and managing timely delivery of audit responses to internal / external audit inquiries.

Credit Review role:

•Analyzed cashflow models and financial statements of corporate clients and incorporated data into the Moody’s Analytics system, making credible profile analyses available for present and future credit cases.

•Assessed credit worthiness and financial soundness of existing and potential clients (high net-worth individuals and small to large corporations).

•Analyzed/ recommended credit structure and the approval/denial of the release or reallocation of existing collateral.

Senior Financial / Market Analyst Jul 2007 – Sep 2010

ALSHALL Economic Services Co.

•Created financial models and projections that tested the feasibility and profitability of prospective ventures (including multiple scenario analysis).

•Collated, analyzed and interpreted market survey data for use in feasibility & trend analysis.

•Completed and regularly updated a comprehensive analysis report on the local real estate industry.

•Compiled and presented an analysis report on the local automotive industry.

•Acknowledged by the GM for diligence with which reports and research were prepared.

•Recognized by the GM for excellent delivery of presentations.

Marketing Officer Sep 2001 – Jun 2004

Equitable PCI Bank

•Trained and oriented branch managers (from different area divisions) in a Sales Stimulation Program and a new bank-wide clientele sales portal.

•Prepared several presentations that reported on the status/ performance of branches across several clusters and area divisions.

•Produced formats for business letters for a variety of sales scenarios that assisted in the sales efforts of the branch managers which became a permanent feature of the new bank-wide clientele sales portal.

•Marketed for a cluster of branches located within a city district, soliciting and maintaining the active top accounts of the said branch.

EDUCATION & PROFESSIONAL DEVELOPMENT

Jun 2017: Canadian Securities Course (CSC)

•From Canadian Securities Institute (CSI)

May 2006: Master’s Degree in Business Administration (MBA)

•The Asian Institute of Management (AIM) is an international management school established in 1968 in partnership with Harvard Business School and the Ford Foundation and accredited by the U.S. based Association to Advance Collegiate Schools of Business (AACSB).

Aug 2003: Marketing Strategy Course for Senior Executives

•From the Asian Institute of Management (AIM).

Mar 2001: Bachelor’s Degree, Major in Management Economics

•Ateneo de Manila University, is a private research university founded in 1859 by the Society of Jesus (Jesuits), which follows a catholic-based liberal arts curriculum.

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