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Profile

I am a rare combination of a finance professional and software developer.  I have over ten years’ experience in corporate and commercial lending and risk analysis at Canada’s top banks.  Today I am a software engineer working on a team building 3D data modeling applications.  How did I get here?  Recognizing that technology was eroding traditional banking roles, in 2015 I left banking with the goal of becoming a developer.  To gain the development skills I needed I attended a coding bootcamp. Since completing my coding education I have worked as a UX developer for an international digital payments company and as a software engineer at a global company producing visual data science software and technologies.  I have excellent communication skills (verbal and written), including professional presentation skills with the ability to translate technical matters to non-technical audiences in a clear and understandable manner.  My goal is to transition back into banking into a role where I can combine my technical skillset with my passion for corporate finance.  

I have knowledge of and experience with:

  • Finance: credit risk research & modeling, commercial credit portfolio management, corporate lending, cash flow modeling, asset based loans, valuations, real estate and operating loans.
  • Technology: Angular4, Typescript, Javascript, CSS, HTML5, SQL, VBA, MongoDB, JSON, Git and Nodejs.

Work experience

Seequent
2018Present

Software Engineer 

I am responsible for upgrading the front end of a 3D data modeling application in order to better present complex data sets in a clear and easy to use manner. This includes updates to the UX/UI of the data manipulation tools provided to users as well as simplification of the underlying codebase. 

Paysafe Inc.
20162018

Front End Developer

I worked on the UX team where we built the front end for the Paysafe Group digital wallet.  We built the wallet application in Angular 4 using Typescript and connecting to a backend developed in MapR.  My role also included maintenance of the legacy front ends and front end support of teams across the globe.

Bank of Montreal Corporate Finance Division
20132015

Managing Director

Responsible for a nation-wide portfolio of clients with borrowing requirements of $20 to $100 million, with a focus on asset based lending structures. Underwrote and structured deals addressing the finance needs of clients, from working capital requirements, term debt and construction financing. Negotiated with clients and other banks participating in syndicated deals on pricing, security, covenants and structure. Responsible for ensuring that all due diligence, security and legal requirements are met prior to funding. Created credit risk analysis models to assess the effects of collateral valuations and the borrower's operating performance on borrowing capacity and debt covenant levels.

Bank of Montreal Corporate Finance Division
20122013

Associate Director

Associate Director of a regional portfolio of clients with borrowing requirements of $20 to $100 million, with a focus on oil and gas and agriculture. Presented recommendations to senior management regarding risk, deal structure and client requirements based on detailed analysis of company and industry performance and trends. Lead the underwriting and negotiation of new deals and renewals, working closely with legal counsel and other financing partners ensuring due diligence is complete. Created cash flow models to assess financial soundness of borrowers and prospects including appropriate debt covenant levels, structures and repayment capabilities.

TD Bank Commercial Banking Group
20102012

Commercial Analyst

Operational and risk manager of a regional portfolio of 40 borrowing relationships each representing up to $15 million in borrowing. Underwrote and structured financings to meet client's working capital requirements, expansion plans and real estate acquisitions. Lead risk management and trend analysis of the portfolio ensuring all deals were onside with required covenants and terms. Portfolio heavily weighted towards commercial real estate containing both owner occupied and investor owned properties.

ScotiaBank Credit Solutions Group
20092010

Manager

Risk manager of a portfolio of over 50 borrowing relationships each representing up to $10 million in borrowing.  Lead negotiations on loan structure, pricing and covenants with clients based upon complex financial modelling of proposed deals that best suited the needs of the client and the bank Industries represented in the portfolio include real estate developers, municipal governments, infrastructure development, building materials distributors, transportation, high-end retail, technology, forestry and mining.

ScotiaCapital Diversified Portfolio Group
20072009

Analyst

Underwrote a portfolio of 35 Fortune 500 companies each with minimum borrowings of $100 million dollars.  Developed complex financial models to account for revenue and cost structures in order to create solutions that utilize various bank products. Prepared comprehensive analysis on historical and projected financials of new financing deals along with industry opportunities and challenges. Provided knowledge of Canadian banking systems, requirements and procedures for cross-border transactions.

Scotiabank
20052007

Analyst

Developed customized training quick-reference sheets on Moody's MFA, Excel and Scotia-specific computer programs for junior analysts and summer interns. Programmed a customer information database for Business Support Centre usage in order to track non-standard client procedures.

Education

Lighthouse Labs
Jan 2016

Web Development Bootcamp

Intensive eight week bootcamp focussing on the fundamentals of coding.  Topics include, Ruby, SQL, HTML/CSS, Ruby on Rails, JavaScript, Node.js and various API.  All development was driven by a test driven development process ethos.

Royal Roads University
2005

B.Comm - Entrepreneurship

Focus on entrepreneurship and strategic decision making in a team environment.

British Columbia Institute of Technology
2004

Diploma of Technology

Focus on accounting and finance.