Purander Goyal Email & Phone Number

Mississauga, Ontario, Canada

- Credit Underwriting- Risk management

Toronto, Ontario, Canada

• Analyzing Credit agreements of Syndicated, Agented and Host bank deals and build up the pricing formulae based on Prime, Base, SOFR rate language/definitions• Handling effectively the portfolios of various managers and volume ranging from $1MM to more than $2Bn • Sound knowledge of analyzing & evaluating Financial Statement & Ratio data; and structuring competitive credit deals• Recommended & processed retails loans of over $50 Million, out of which more than 60% was in the shape of fresh (new) loans• Produce the report on A/R (Account Receivable) to the Loan Manager and discuss the action plan

New Delhi, Delhi, India

New Delhi, Delhi, India

•Demonstrated deep understanding of client’s business and industry, strong credit acumen, applied appropriate risk management techniques to achieve business strategic goals.•Maintained ongoing contact with clients to be kept current on significant changes in financial condition, collateral, assets or operations. Maintained collateral monitoring workbooks and monitored early warning signals. •Actively coordinated with expert advisors to tailor financial solutions as per client’s needs and business plans.•Reviewed financial statements, identified and keep abreast on market and industry trends to stay updated.•Negotiated conditions & credit terms, pricing, conflict resolution, timely support, and customer management.

Chandigarh, India

•Actively engaged in identifying opportunities to help clients in meeting their immediate and long-term business and personal goals.•Grew revenue by 25% through driving customer acquisition, upselling existing accounts, digital penetration and product holding per customer to earn client’s loyalty.•Constantly met the client’s needs by exercising good judgment and decisive actions. •Interacted with the clients to assess their financial needs and delivered flexible business solutions. •Prepared market updates, portfolio reporting, industry benchmarking, financial forecasts as per risk appetite.

Chandigarh Area, India

•Preparation of the credit assessment notes covering detailed analysis of business, industry, management and financials.•Finalization of terms and conditions of the proposals in consultation with RM•Responsible for the portfolio quality and risk including zero tolerance, KYC / RCAF •Handle deals, together with the RM, from concept to completion with particular emphasis on transaction structuring and documentation •Prepare high Quality Business Credit Applications with minimum subsequent rework and time. •Prompt recognition and reporting of deteriorating credit risks in his/her portfolio and ensuring that necessary steps are taken to minimize loss to the Bank •Day-to-day monitoring and control of the relationships i.e excesses, past dues, overdue reviews etc •Awareness of all the policies and procedures issued in relation to money laundering prevention & KYC. •Ensure compliance with these policies and procedures on an ongoing basis.•Ensure timely renewals are happening for the existing clients

Certificate, Leadership Connections (Access Employment), Organizational Leadership

Activities and Societies: Activities and societies: One of the renowned bridging program designed for the internationally trained.

Masters In Business Administration (Mba), Marketing, Systems And Finance

Pune, Maharashtra

Bachelor Of Science - Bs

Anand, Gujarat