Reine Kizy Louma
About Reine Kizy Louma
Reine Kizy Louma is an Underwriter in Credit Risk Management at CIBC in Montreal, Canada, with extensive experience in the banking sector and expertise in financial modeling and risk assessment.
Title: Underwriter, Credit Risk Management
Reine Kizy Louma holds the title of Underwriter in Credit Risk Management at CIBC. With a tenure starting in 2015, Reine has extensive experience and responsibilities in this role. He is based in Montreal, Canada, and plays a crucial role in decision-making across high-risk real estate secured portfolios. His role involves performing ratio analyses, assessing discrepancies in income declarations, and consulting for branches, brokers, and mortgage advisers on appealing credit decisions. His expertise is backed by practical knowledge and various certifications.
Previous Roles in the Financial Sector
Prior to his role in underwriting, Reine Kizy Louma served as a Financial Service Representative at CIBC from 2009 to 2011. During this period, he gained extensive experience in the banking sector, personal lending, and customer service. Before that, Reine worked as a Sales Representative at BEDO in Montreal from 2008 to 2009. These roles helped him build a strong foundation in financial services and sales, facilitating his progression to more specialized positions in credit risk management.
Education and Certifications
Reine Kizy Louma's academic background is rooted in finance. He earned a Bachelor's degree in Finance from Université du Québec à Montréal, graduating in 2009. He continued his education at the same university, obtaining a Master of Science (MSc) in Finance by 2014. Additionally, Reine holds Canadian Securities Course (CSC) and Investment Funds in Canada (IFC) certificates, further underscoring his qualifications. His education has equipped him with advanced skills in financial analysis and risk assessment.
Experience in Financial Modeling and Analysis
In his professional capacity, Reine Kizy Louma has demonstrated practical experience in financial modeling using Excel, ranging from intermediate to advanced levels. He is proficient with the Microsoft Office Suite, specifically Word, PowerPoint, and Excel, which he utilizes in his daily functions. His role requires thorough analyses of financial statements, income declarations, and property-specific due diligence reports, including real estate appraisals and environmental site assessments.
Consulting and Decision-Making Responsibilities
Reine Kizy Louma serves as a consultant for branches, brokers, and mortgage advisers seeking advice on credit decisions at CIBC. His role involves gathering, reviewing, and assessing property-specific third-party due diligence reports. Reine's decision-making responsibilities extend to high-risk real estate secured portfolios, where he performs ratio analyses to understand the structure and cash flow generation of companies. He also checks for discrepancies between final statements and Canada Revenue Agency declared income, ensuring comprehensive risk management.