Senior Analyst

• Sep 2020 - Present

In my role as Senior Analyst I ensure excellence in providing customer services by working directly with clients. I mitigate risks by adhering to credit and operational best practices. I balance consumer and stakeholder interests as well as maintain the adequacy and suitability of assets. I establish appropriate credit limits in compliance with the Loan Credit Agreement (Operations, financing & reporting requirements). I conduct compliance testing of assigned portfolio via financial analysis to verify compliance with contracts, tax authorities, financial statements, performance indicators, dilution and trends. I recognize and supervise trends variations in clients business and financial results to improve and introduce new methodologies based on results. I support the preparation of credit renewals and changes to credit facilities. My key contributions include: Facilitated the completion of several deals in the portfolio with a total commitment over $100MM. Developed a trend card template to monitor borrower's performance more accurately.

Senior Collateral Analyst -Asset Based Lending

• Aug 2019 - Jun 2020

Analyst, Credit Team

• Jul 2017 - Aug 2019

In my role as Analyst, Credit TeamI conducted financial review analyze borrower’s performance to ensure compliance with the loan credit agreements. I recognized and evaluated deterioration of risk situations through analysis of financial reporting, industry, economic and other data, as well as proposed a course of action for management. My key contributions include: Member of the CPA to Stucky Intelligence Architecture (IA) Transposition Project.  Supported the IA team to build a BOT automating manual processes for the Collateral Analyst team. Assisted in the preparation of credit renewals and amendments for credit facilities with requirements in excess of $10MM and sales over $35MM.

Senior Collateral Analyst

• Sep 2012 - Jul 2017

In my role as Senior Collateral AnalystI pro-actively supported the closing of the first syndicated deal at TD Asset Finance. I advised management of any perceived asset deterioration or reporting discrepancies. I streamlined daily processes demonstrating superior management how to use company systems more efficiently. I monitored accounts receivable, accounts payable, and inventory reports. Calculated monthly accounts receivable and inventory ineligibles. I updated daily sales, collections, adjustments from the collateral report into the system. I reviewed supporting documents received from the customer. I funded and set up new loans on the system. I processed and initiate wire transfers. I established and maintained tickler files. I performed verifications either over the telephone or through written communication. I monitored bank statements. Reconciled loans with premier loans on daily and monthly basis. Processed end of day & month. My key contributions include: Supported the completion of new deals with total commitments ranging from $15MM to over $33MM. Awarded with the 2013, 2014 & 2016 quarterly summit award. Reviewed and completed A/R and inventory ineligibles on a timely basis. Built and maintained a productive relationship with other areas of the bank.

Collateral Analyst, Portfolio Managment

• Jun 2008 - Oct 2012