Gareth Payne

Experience

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  Dominion Lending, The mayer group

  Jan 2009 - Dec 2013

  Senior Residential / Commercial Underwriter

  -Review Financial/Personal Net Worth Statements of client and Guarantor, confirm Site Plan Approvals and building permits and analyze construction budget provided. -Provide financing for various projects from industrial units, large factory warehouses, condo buildings and hotel Loans range from $500K for industrial units to more than $20 million for condo and hotel financing where I work closely with a Portfolio Funding Manager and Engineer. -Confirm Borrower’s cash equity and analyze appraisal confirmation of completed value (net HST). -Provide prompt and sound recommendations based on project information and present credit proposals to stakeholders.-Ensure adherence to authorized conditions and reporting requirements, in conjunction with the Client Portfolio Management Group-Adhere to regulatory and internal Bank policies including compliance requirements.-Perform all tasks associated with the risk rating function including planning the work flow, and collecting updated data from the borrower; inputting the data, collecting and applying market data, valuation of the asset, financial analysis of borrowers financial statements and recommending the risk rating for approval. -Foster relationship with borrowers, mortgage brokers, developers and related industry groups.-Review complex business applications and proposals, and critically access borrowers and property financial statements.-Review credit rating and risk assessment. Negotiate terms and conditions directly with the lender. -Provide consistently high level of service to mortgage community by maintaining a thorough knowledge of retail marketplace, economic conditions and political events affecting particular regions within and outside of Canada. Show less

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  TD CANADA TRUST

  Dec 2013 - Sept 2015

  Small Business Advisor

  -Provide small business owners with exceptional service and sound financial advice.-Developing client relationships within the community to ensure customer problems are handled appropriately. -Provide sound advice at each customer interaction, contributing to a positive customer experience.-Reviewing and working closely with members of the team to ensure all business banking customers are serviced in the channel best suited to meet their requirements.-Building relationships and working closely with Small Business Credit Centre, Credit Services and SBB product groups to ensure gold standard customer response times for new credit applications. Show less

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  CONCENTRIX – American Express

  Sept 2015 - Sept 2019

  Business Sales Agent

  Delivered direct service and support to small business owners by providing sound advice on appropriate American Express products that best suits their needs •Compiled and maintained records of business transactions; performed a wide range of clerical tasks•Reviewed business trends in order to advise customers regarding expected fluctuations•Evaluated costs and revenue of agreements to determine continued profitability Selected Accomplishments✓Imparted a culture of business agent performance management and development through coaching in order to drive engagement and performance and created a collaborative environment that inspired them to reach their full potential –thus generating new business✓Developed 145+ new business accounts while maintaining an existing portfolio of 178 business accounts✓Increased annual sales growth of $4.8M to the department Show less

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  Allstate

  Sept 2019 - now

  Business Insurance Agent

  •Interface with clients directly or over the phone or email to answer inquiries about their coverage, deductibles, processes, payment issues, quotes, etc.•Respond to new business inquiries by gathering information and insurance history to identify their needs and discuss product and price options, while upselling and cross-selling policy coverages, in order to recommend the most suitable product specific to customer’s unique insurance needs•Proactively assess, clarify, and validate client’s needs on an ongoing basis and operate as a primary contact for opportunity development and issue resolution•Maintain an accurate and up-to-date management of insurance policy files/document storage by creating/entering updates on client files in an accurate and efficient manner Selected Accomplishments✓Maximized profits and expanded revenue in existing accounts by determining appropriate insurance coverage, reviewing underwriting data, and working closely with clients to provide advice and education accordingly Show less