James Carruthers Email & Phone Number

Toronto, ON, CA

Toronto, Ontario

• Having been promoted to Risk Manager since 2017, I am responsible for supervising all aspects of daily operations related to risk management for a portfolio of auto loans amounting to hundreds of millions of dollars in.
• Executed delivery of risk management projects for one of Canada’s largest banks.
• Improved efficiency of financial reporting processes which led to an increase in responsiveness, significant reductions in reporting errors, and acceleration of regular reporting cycles.
• Led the development and implementation of a highly functional QA program.

Toronto, Ontario

• As a Credited Manager, I was tasked with developing and standardizing written policy documentation related to the credit and customer set-up process. Other duties include communicating credit decisions and ensuring.
• Played a key role in organizing the structure of the department, standardizing policies, and helping the credit team establish external relationships.
• Initiated new policies and procedures for overseeing the credit review process for customer credit risk evaluation and credit underwriting and recommendation.

Toronto, Ontario

For nine years, I performed a wide range of duties related to credit analysis and management for a subsidiary of Toronto-Dominion Bank. My work involved oversight and training of a regional credit team on the preparation for government regulator audits and management of large-scale projects with significant P&L impact. Before that, I supervised a team of.