Mihaela Mcdow Email & Phone Number

Edmonton, Alberta, Canada

Edmonton, Alberta, Canada

Charged with conducting thorough analysis of financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses.• Evaluating the financial health of borrowers by analyzing their income, debt levels, and liquidity.• Assessing the risk associated with extending credit and make recommendations for credit approvals or rejections.• Preparing detailed credit reports and summaries for internal and external stakeholders.• Monitoring and manage the credit exposure of existing borrowers by reviewing financial statements and conducting quarterly risk assessments.• Staying updated on industry trends, economic indicators, and regulatory changes that may impact credit risk.• Collaborating with other departments, such as compliance and sales, to gather and analyze necessary information for credit evaluations and accounts in arrears.• Providing guidance and support to junior credit analysts in their analysis and decision-making processes.• Assisting in the development and implementation of credit policies, procedures, and risk assessment models to improve overall credit management.

Surrey, British Columbia, Canada

Credit OfficerProspera Credit Union - Surrey, BCMarch 2017 to December 2022Responsible for reviewing and assessing credit applications to analyze each client's finances, credit, and collateral,including credit and risk analysis.• Approved applications within established credit limits whilst referring exceptions to management for approval• Acted as team lead, offering training and ongoing support to the lease credit team• Regularly liaised with dealers/brokers and established professional working relationships conducive tohealthy business growth• Provided constructive feedback to dealers/brokers on credit-related issues; identified solutions throughstructuring and financial statement analysis• Determined options for restructuring proposals• Completed credit checks on vendors and reviewed financial statements (with focus on cash flow, liquidity, and leverage); set up accounts• Prepared file approval memorandums and validated Credit Risk Ratings in compliance with company policy and procedures• Provided direct support to Senior Management in developing and analyzing relevant credit informationpertaining to complex commercial and business loans• Received extensive cross-training in residential mortgage underwriting

Burnaby, British Columbia, Canada

Responsible for assisting customers (financial controllers, lawyers, account managers, etc.) and other inbound callers with leases, loans, and insurance policies, as well as in legal matters such as assumptions, novations, transfers and rewrites.• Executed all requirements for equipment ownership and registration related to terminated leases, including generating invoices, balance of payments, bills of sale, audit letters, authorization letters, credit checks and waiver letters• Managed lease-end equipment returns; provided support to our collections department• Advised customers on lease/loan contract terms and conditions

Burnaby, British Columbia, Canada

Instrumental in increasing department efficiency by 50 % and improving customer feedback by 30%.• Resolved customer complaints by identifying problems and taking appropriate corrective action• Demonstrated professional etiquette and manners when interfacing with customers• Responded to complaints within 24 hours and offered resolutions to customer complete satisfaction• Tracked continuous improvement programs; collaborated with law enforcement and other financial institutions in fraud-related investigations

Masters In European Banking And Financial Law, Law

Bachelor Of Laws - Llb, Law