Experience

SBI Canada Bank

• Canada
• Financial Services
• 1 - 100 Employee

• Manager - Credit Administration

  • Nov 2022 - Present

  Toronto, Ontario, Canada • Managing operations & administration of Commercial & Corporate Banking & Trade Finance, responsible for centralized operations, administration, and servicing related work for Large Corporate (Syndicated participation) & Commercial mortgage accounts. • Legal documentation review, conditions precedents sign off before funding • Working with counsel to close the mortgage deals as per committed terms and timelines. • KYC/AML, Client risk Assessment, and customer profile setup after… Show more • Managing operations & administration of Commercial & Corporate Banking & Trade Finance, responsible for centralized operations, administration, and servicing related work for Large Corporate (Syndicated participation) & Commercial mortgage accounts. • Legal documentation review, conditions precedents sign off before funding • Working with counsel to close the mortgage deals as per committed terms and timelines. • KYC/AML, Client risk Assessment, and customer profile setup after necessary documentation and compliance sign off. • Overseeing and supervising Security registration, PPSA registration/verification/renewals, insurance renewals and follow up with clients. • UTR/ STR filing, periodic self assessment of compliance activities of the department as per Bank's and Fintrac guidelines. • Ensuring accurate accounting of drawdowns, repayments, fee income and other financial transactions • Periodic and ongoing monitoring, tracking, and reporting of credit risk limits as per Bank's Credit Risk Management Policy. • Periodic and ongoing monitoring, tracking, and reporting for Financial & Reporting Covenants for the borrower accounts. • Attending to queries of clients, brokers and other internal and external parties. • Dashboards, reports, and presentations with business and strategic insights for Head of Commercial & Corporate Banking and Senior Management • Preparation and review of all Board and risk management reports for portfolio. • Attending to internal and external audit, oversight reviews by Risk, and Compliance testing related to Commercial and Corporate Credit Accounts. • Compilation of macro economic forecast data and calculation & review of Credit allowance for entire Asset portfolio of the Bank. Working with consultants for ECL Model development and other IFRS 9 matters. • Review & Authorization of TF transactions above the threshold limit for CSR and supervisors • Periodic review of Operations Manual & SOP's Show less



BMO

• Canada
• Financial Services
• 700 & Above Employee

• Senior Deal Specialist

  • Dec 2021 - Nov 2022

  Toronto, Ontario, Canada • Facilitates the loan closing process, commitment management and the booking and accounting of the commercial and corporate loan portfolio ensuring all required policies, guidelines and standards are met. • Ensure Deal Structure into Loan IQ adherences to credit approval, directives to mitigate risk to the bank. • Analyzes Term Sheet and Credit Agreements and accurately inputting information into Loan IQ • Tracks and monitors credit, legal and compliance documentation/collateral and… Show more • Facilitates the loan closing process, commitment management and the booking and accounting of the commercial and corporate loan portfolio ensuring all required policies, guidelines and standards are met. • Ensure Deal Structure into Loan IQ adherences to credit approval, directives to mitigate risk to the bank. • Analyzes Term Sheet and Credit Agreements and accurately inputting information into Loan IQ • Tracks and monitors credit, legal and compliance documentation/collateral and participates in the follow up and escalation process when issues are identified. • Reviewing credit agreements and providing comments to the line of business regarding any changes in the process from an operational standpoint. • Working with portfolio managers to onboard new clients by reviewing and inputting credit agreements and deal documentation in Loan IQ system and APMS (asset portfolio management system) for closings and amendments. • Responsible for monthly & quarterly deal document tracking (financial statements, compliance certificates & inputting monthly/quarterly covenants and triggers. • Review/approve transactions from a high-level perspective - such as margin changes, pricing changes, amendments for commitment decreases/increases. Show less



Scotiabank

• Canada
• Banking
• 700 & Above Employee

• Banking Officer

  • Jul 2021 - Nov 2021

  Mississauga, Ontario, Canada • Provides an excellent customer experience by taking responsibility for and ensuring ongoing service, including updates to the loans, accounts, products and services of existing clients and responding to Inquiries/investigations; thereby adhering to established Operating Performance Commitments (OPCs). • Maintains up-to-date knowledge and understanding of relevant products, processes and policies, including completing internal training, and reviewing appropriate news items and… Show more • Provides an excellent customer experience by taking responsibility for and ensuring ongoing service, including updates to the loans, accounts, products and services of existing clients and responding to Inquiries/investigations; thereby adhering to established Operating Performance Commitments (OPCs). • Maintains up-to-date knowledge and understanding of relevant products, processes and policies, including completing internal training, and reviewing appropriate news items and publications. • Participates as an active partner, and initiates changes by working with stakeholders and business lines to resolve issues, remove roadblocks, reduce costs and improve services. • Reviews/provides authorization for transactions and/or temporary credit requests to execute the servicing of existing accounts, products & services, as well as subsequent funding where applicable. • Operates independently to execute day-to-day operations within assigned authorities/limits (lending limits up to $3 million in total authorized credits) • Reviews and processes high volumes of standard/non-standard service and credit transactions of customers. • Acts as a dedicated point of contact for day-to-day service activities and provides service and support to our clients and business partners as required. • Fosters an environment that promotes quick and flexible service, while mitigating risk by recognizing and identifying knowledge gaps, new opportunities for cost savings and operational improvements. • Business Units supported include, but are not limited to: Commercial Banking, Small Business, Corporate, Global Risk Management, Payments & Cash Management, Audit, Quality Assurance, Trade services, Scotia Leasing, Real Estate Banking, Client Services and Solutions, Cash Management Call Centre and other units. Show less



Teleperformance

• France
• Outsourcing and Offshoring Consulting
• 700 & Above Employee

• Customer Experience Advisor

  • Aug 2020 - Jun 2021

  Toronto, Ontario, Canada  Answer incoming customer calls/ emails/social media queries with regard to product delivery, billing concerns and general queries.  Respond to customer questions and objections utilizing established service de-escalation techniques and endeavor to provide resolutions the first time around.  Maintain a high level of professionalism and build a positive rapport with each and every customer  Update customer information in the customer service database after each customer… Show more  Answer incoming customer calls/ emails/social media queries with regard to product delivery, billing concerns and general queries.  Respond to customer questions and objections utilizing established service de-escalation techniques and endeavor to provide resolutions the first time around.  Maintain a high level of professionalism and build a positive rapport with each and every customer  Update customer information in the customer service database after each customer interaction.  Work with the management team to stay updated on product knowledge and stay updated on any changes in company policies  Make a positive impact on the company’s bottom line by problem solving and turning frustrated clients into repeat customers  Exercise retention efforts when appropriate Show less



YES BANK

• India
• Banking
• 700 & Above Employee

• Relationship Partner/Manager

  • Dec 2018 - Dec 2019

  Panipat, Haryana, India  Daily servicing of Existing customer, Handling Complete ownership of a portfolio, Maintaining regular meetings with existing, so as to promptly address services issues for ensure satisfaction and absolute retention of portfolio.  Maintaining and constantly updaying documents pertaining to customer profile.  Regular follow up for collections.  Responsible for sales of Business Banking products  Ensured quality sourcing of new proposals, resulting in approx. 90% on boarding of… Show more  Daily servicing of Existing customer, Handling Complete ownership of a portfolio, Maintaining regular meetings with existing, so as to promptly address services issues for ensure satisfaction and absolute retention of portfolio.  Maintaining and constantly updaying documents pertaining to customer profile.  Regular follow up for collections.  Responsible for sales of Business Banking products  Ensured quality sourcing of new proposals, resulting in approx. 90% on boarding of clients  Execution of Pre-sanction and post sanction Documentation with customers for ensuring compliance to all rules and expediting Disbursement process  Negotiation with customer on pricing & Other Sanction Terms & Conditions  Coordinating with a team of Sales Executive to source New business  Responsible for the revenue growth of the portfolio of existing business banking customers  Identify opportunities to Cross sell of all Banking products and services.  Performing primary credit appraisals, Careful evaluation of the Client portfolio, Scrutinizing the necessary financial documents & legal Documents.  Underwriting of proposals and interpreting financial statements. Show less



HDFC Bank

• India
• Banking
• 700 & Above Employee

• Relationship Manager

  • Oct 2017 - Dec 2018

  Karnal, Haryana, India Business Banking Group (BBG) manages Fund Based and Non-Fund Based requirements of corporates with a turnover of INR 7.5 - 200 Crores. Retail branches are the source for leads and therefore, channel activation plays a vital role. Roles and Responsibilities:  Comprehensive selling of all Business Banking services and products (primarily working capital products) after careful evaluation of the existing client portfolio.  Complete ownership of a portfolio of approximately 40… Show more Business Banking Group (BBG) manages Fund Based and Non-Fund Based requirements of corporates with a turnover of INR 7.5 - 200 Crores. Retail branches are the source for leads and therefore, channel activation plays a vital role. Roles and Responsibilities:  Comprehensive selling of all Business Banking services and products (primarily working capital products) after careful evaluation of the existing client portfolio.  Complete ownership of a portfolio of approximately 40 productive accounts  Responsible for the growth of the portfolio (Organic and Inorganic), ensuring targets are met and availability of an increased revenue stream.  Cross Sell: Ensuring lead conversion of leads generated by branches. To be on the permanent look out for cross sell opportunities within his domain. Cross sell of all banking product requirements to existing customers.  Credit Management & Housekeeping: Primarily includes proposal underwriting and timely renewals, obtaining and closing deferrals, plant and site visits and preparation of call memos, obtaining and deciphering stock statements, quarterly results, insurance.  Ensuring the quality of Portfolio: Responsible for closely monitoring of the profitability of existing portfolio, Regularizing Stress accounts and exiting Potential NPA clients and collections of delinquent accounts. Show less



ICICI Bank

• India
• Banking
• 700 & Above Employee

• Solutions Manager

  • Aug 2015 - Sep 2017

  Nasik, Maharashtra, India Relationship management of new as well as existing business clients for lending opportunities. • Analyze business operations and financial health of the company and classify various risk factors along with suitable mitigants. • Conduct necessary due diligence activities form primary and secondary sources available. • Underwriting of proposal notes for presentation to committee/senior management in consultation with risk, legal, compliance and other support groups. • Negotiate… Show more Relationship management of new as well as existing business clients for lending opportunities. • Analyze business operations and financial health of the company and classify various risk factors along with suitable mitigants. • Conduct necessary due diligence activities form primary and secondary sources available. • Underwriting of proposal notes for presentation to committee/senior management in consultation with risk, legal, compliance and other support groups. • Negotiate commercials and other terms and conditions with client and prepare agreement documents in consultation with Legal team. • Facilitate higher penetration in Working capital products, Insurance and other products in identified segment • Track important market trends, industry developments and its implications on the sector and bank. • Ensure both revenues and profit targets are met. • Ensure compliance with credit policy of the bank as well as of the regulators. • Maintain zero NPA accounts and monitor time to time repayments of facility. • Monitor the end use of funds and check any diversion/misuse of facility by clients. Show less