Dipen Thakkar Email & Phone Number

St. Catharines, Ontario, Canada

➢ Underwriting & Adjudication of Commercial Credit Applications for business loan portfolio across all sectors of the Canadian economy within the framework of the approved credit management policies.➢ Key sectors include Land & Construction, Hospitality, Income Producing Real Estate and Other General diversified industries.➢Key responsibilities include providing credit adjudication, managing portfolio and acting as a key business partner to the Business Banking Delivery team.➢Assist on overall management and control of loan delinquency including close monitoring of higher risk accounts.➢Assist with completion of regulatory compliance reporting as required under Board Credit Management policy.

Greater Toronto Area, Canada

➢ Senior Relationship Manager within GTA Real Estate Team➢ Managed a diverse portfolio of lending and liability relationships for existing members, ensuring high levels of customer satisfaction and retention in Real Estate Industry.➢ Successfully sourced new business relationships through various channels, including direct interactions with CIOs, expanding the organization's client base.➢ Conducted thorough analysis of credit applications and new development projects, assessing both financial and non-financial factors to make informed credit decisions.➢ Provided recommendations and guidance on appropriate courses of action for credit-related matters, ensuring alignment with organizational risk tolerance.➢ Reviewed and monitored credit submissions prepared by Analysts, ensuring accuracy, completeness, and compliance with internal policies and regulatory requirements.➢ Addressed day-to-day operational requests of customers, providing advisory services on a range of banking products and services to meet their financial needs.➢ Proactively monitored portfolio risk by collaborating with the Credit Risk team, identifying potential issues and implementing risk mitigation strategies as needed.

Greater Toronto Area, Canada

➢ Sr. Commercial Analyst with GTA Real Estate Team.➢ Conducted comprehensive analysis of credit applications, considering both financial and non-financial factors to recommend appropriate actions for credit-related matters.➢ Regularly evaluated financial and non-financial risks associated with real estate projects funded by the credit union. Prepared detailed review reports to effectively manage customers' funding requirements.➢ Utilized scenario analysis techniques to assess the viability of projects and maintain a proactive check on the loan portfolio. Prepared forecasts and risk profiles of members to anticipate potential challenges and opportunities➢ Collaborated with Relationship Managers to understand member needs and craft lending proposals for new deals and annual review applications. Ensured alignment with organizational objectives and risk tolerance➢ Liaised with internal MCU staff and external product/service suppliers to address the diverse needs of members, fostering strong partnerships to deliver comprehensive solutions.➢ Assisted Relationship Managers in portfolio management activities, providing valuable insights and support to optimize performance and mitigate risks effectively.

Guelph, Ontario, Canada

➢ Prepared bi-weekly and monthly Payroll reports, allocated expenses across projects, and handled journal entries.➢ Compiled financial data with expense breakdowns for ministry and management reports.➢ Managed organization's inventory records using business management software.➢ Prepared and reconciled fixed asset register, maintaining accurate records.

Guelph, Ontario, Canada

Guelph, Ontario, Canada

Part Time - On Campus Job helping students.

Ahmedabad, Gujarat, India

Chief Manager in SME Working Capital Risk Division

Ahmedabad, Gujarat, India

➢ Conducted underwriting and scrutiny of Working Capital loan applications for term loans as well as revolving credit lines, adhering to internal policies.➢ Evaluated eligibility for funding through financial statement analysis, business model review, and Cashflow analysis.➢ Monitored industry trends to inform lending decisions.➢ Facilitated communication and collaboration among business sourcing team, other departments, and customers.➢ Overseen loan portfolio to mitigate delinquency risks and ensured strict adherence to regulatory requirements and internal policies.

Ahmedabad, Gujarat, India

➢ Started as Management Trainee, promoted to Manager after one year, and Senior Manager after 2.5 years.➢ Conducted underwriting and adjudication of Secured Business loan applications, adhering to bank's risk policies and collateral assessment standards.➢ Analyzed technical and legal documents such as valuation reports and title reports to assess validity of the security.➢ Evaluated customer business models and loan requirements through financial statement analysis, ratio analysis and leverage analysis.➢ Managed portfolio to maintain delinquency at low levels, achieving a gross delinquency rate of 0.18% at portfolio level, lower than regional average.➢ Oversaw vendor relationships and ensured compliance with regulatory and internal requirements.➢ Recognized with Silver Star award twice and once with Best Credit Manager for commitment, competency, and methodical approach to work.

Ahmedabad, Gujarat, India

Public Accounting FirmGot hands-on experience with accounting, preparing financial statement, Income tax returns and Auditing.

Ontario College Post-Graduate Certificate-Financial Technology, Financial Technology

Brief about the Financial Technologies and emerging trend in the same, Mobile applications, Career Management, Use of AI.

Cfa, Financial Analysis And Portfolio Management

I have cleared all 3 CFA level examinations in first attempt and have successfully earned my charter from CFA institute.

Chartered Accountant, Accounting & Finance & Taxation

I have completed my professional education of Chartered accountancy course from ICAI in one go.

Bachelor Of Commerce (B.Com.), Accounting And Finance

I have completed my bachelor of commerce from the R.J. Tibrewale college of commerce. i was also a part of a team for financial.

Education record