Akashdeep Singh Email & Phone Number

Hamilton, Ontario, Canada

- Structured and adjudicated near prime auto loan applications, utilizing Transunion and Equifax credit reports.- Delivered strong productivity results and ranked # 1 for fiscal year 2023.- Delegated with temporary Manager’s Authority to review and decision credit escalations based on the recommendations of Credit Analysts.- Handled second level escalation requests from sales team and provided the best resolution, ensuring risk mitigation and compliance.- Provided coaching to newer teammates, enhancing team performance in handling sales requests, improving call quality & dealer experience, and improving cycle times.- Led team calibration sessions focused on system enhancements and lending policies.- Ensured adherence to underwriting policies, procedures and regulatory guidelines, maintained high standards of compliance.- Collaborated effectively with sales teams and dealer partners, resolving telephonic escalations promptly and fostering strong client relationships.- Prioritized commitment towards Service Level Agreements & delivered quick resolution.

Mississauga, Ontario, Canada

- Reviewed and adjudicated auto loan applications within Delegated Lending Authority of $150k by assessing customer’s credit worthiness based on credit history, employment, income determination and collateral valuation.- Performed structured and analytical functions on loan applications as per established procedures and credit policy.- Provided timely, effective, and personalized coaching to analysts to ensure all lending decisions are supported by an appropriate level of due diligence.- Prioritized commitment towards Service Level Agreements & provided quick resolution.- Ensured compliance to KYC (Know Your Customer), AML (Anti Money Laundering) and privacy policies.- Handled escalations from sales team & Dealer Track messages and provided alternative resolutions in the best interest of institution.- Collaborated with credit and funding analysts to create a customer centric and team working environment.

Mississauga, Ontario, Canada

Ahmedabad, Gujarat, India

- Managed a diverse credit portfolio encompassing retail, commercial and agriculture lending with exposure up to $50MM.- Researched and analyzed financial and operating information related to companies and industries to assess credit risk of present and potential client exposures.- Performed Financial Statement Analysis, liquidity analysis, cash flow management including completion of financial statement spreading to facilitate risk rating of the entity and test compliance with financial covenants.- Conducted in-depth risk assessments and provided timely financial advice to clients, ensuring alignment with their evolving needs and business goals.- Supported Senior Account Managers on portfolio management needs for the business.- Led a team of tellers and customer service representatives, ensuring operational efficiency and adherence to regulatory standards.- Identified early warning signs of delinquency & collaborated with risk management team and relationship managers to take corrective actions & mitigate risk.

Sangrur Area, India

- Provided excellent account services to customers related to cash deposits and withdrawals.- Prepared security documents to establish contracts with financial recommendations to clients.- Performed Data entry work including documentation of credit applications.- Generated credit bureau reports for incoming credit applications & forward to credit officers.- Identified customer up sell opportunities & provided leads to branch manager.- Performed Data entry work including transfer transactions, check clearing and account opening under extreme staff shortage.- Prepared currency transaction reports and other mandatory balancing reports & reported to seniors before stipulated time frame.- Maintained Automated Teller Machine and kept zero cash difference for entire tenure.- Handled customer queries and provided the best fit solution.- Performed additional tasks as assigned, improving the effective functioning of Branch.

Master Of Commerce, Finance, General

Two Year Post Graduate Degree course with specialisation in Finance accomplished in 1st division from one of the most reputed Universities.

Bachelor Of Commerce - Bcom, Accounting And Finance

Three Year Full Time Bachelor's Degree Course with specialisation in Accounting and Finance