- Compliance accountability with various first-line risk management functions, workflows, and policies of CWB Maxium, including requirements for loan management, data integrity, portfolio quality, exposure limits and fulfillment of loan security and approval requirements.- Build close working relationships with sales and operations and risk management teams to analyze, structure, write and process credit applications, review, and recommendations in a timely manner consistent with established timelines.- Ensure risk appetite is within acceptable parameters of our lending practices and guidelines.- Prepare recommendations for approval, restructuring, or deferral of credit applications.- Prepare credit condition checklists for each approved credit application.- Ensure adherence to CWB Maxium’s credit administration and security policies and procedures.- Assist in the preparation of annual credit reviews on assigned portfolio of loans including an updated security review, financial covenant testing, re-rating of transaction credit risk and updated financial statement and cash flow analysis.- Review amendments seeking approval to modify the original transaction security or other credit conditions.- Identify and actively participate in operational improvements.

- Underwriting centralized credit reviews by collaborating with relationship manager to obtain necessary information and provide prompt and sound decisions based on bank’s lending policies and procedures.- Identifying deteriorating financial and managerial signals in borrower accounts and achieving 100% accuracy in compliance with regulatory requirements.- Completion of Facility Risk Ratings of operating lines in adherence with Business Banking policies and procedures and review documentation and security agreements of commercial accounts and identify collateral coverage for existing loan structures.- Apply judgment when recommending credit facility renewals, deal structure amendments and policy waivers for commercial borrowers.- Work in a fast-paced work environment to meet Service Level Agreements (SLA) and ensure productivity along with accuracy.- Collaborated with Account Managers to obtain essential information and invoicing, resulting in a 15% increase in thoroughness of Annual Reviews.

Evaluated and recommended Commercial banking and Corporate banking Credit deals to the Credit Approval Committee in accordance with credit policies and procedures, staying within assigned discretionary limits under various credit structures and financial solutions like Commercial Credit, Working Capital, Term Loan, Letter of Guarantee, and Letter of Credit as per borrower requirements.• Analyzed financial statements, cash flow statements, ratios, and other risk parameters of new and existing clients (renewals and extension loans) by collaborating with internal and external stakeholders for due diligence, credit rating, industry trends, and assessing clients’ creditworthiness, repayment ability, credit scoring, and collateral ownership, while strictly adhering to risk policy guidelines.• Underwrote credit limits beyond discretionary limits as per Bank policies and procedures and recommended them to the appropriate adjudicating authority.• Eagle eye award winner for FY 2015, 2017 and 2019 by finding Fraud Loan applications entering in the loan portfolio through in depth credit underwriting and being Vigilant.• Streamlined administrative tasks for retail and wholesale lines, mortgages, loan documentation and credit files, achieving 15% improvement in data accuracy and 20% reduction in processing time.

• Engaged closely with a range of mid-market businesses, aiding them in achieving their unique financial objectives. Formulated business proposals based on diverse credit, deposits, and cash management needs of clients, resulting in enhanced customer satisfaction.• Monitored and conducted annual reviews of borrower accounts within the designated portfolio, identifying deteriorating credit conditions, Early Warning Signals, and ensuring compliance with internal credit policies and procedures to mitigate the organization's risk exposures.• Conducted annual reviews of advances exceeding CAD 10 million, coupled with credit rating evaluations, to assess account status and gauge the efficacy of existing policies and procedures.• Commercial Sprinter Award Winner for FY 2017 for underwriting 95pc of the credits within SLA with only 1pc delinquency of Portfolio

• Managed loan advances and collateral reporting across the zone, reducing delinquency by 55%. Oversaw non-performing asset accounts, ensuring successful recovery and settlement, leading to a 20% boost in profitability.• Collaborated with Regional offices to monitor credit administration for covenant compliance, deliver credit advice and feedback, handle legal documentation, process loan servicing and monitoring requests, disbursement requests, and ad hoc, excess drawl requests, thereby upholding credit quality and fostering a robust customer service environment.• Demonstrated dedication to harmony and coordination by coaching, mentoring, and assisting teammates in meeting the needs of all customers.• Implemented and streamlined cutting-edge data management procedures, improving the operational efficiency of the department by 7%.

Analyze financial data, records, reports and statements.Initiate internal audit controls for effective financial management.Maintain and update financial databases including audit findings in monthly and quarterly meetings. Coordinate with the management to take necessary action on audit findings