Zahid Hoque, Cfa Mba Email & Phone Number

Toronto, Ontario, Canada

Toronto, Ontario, Canada

Vaughan, Ontario, Canada

St Catherines, Ontario, Canada

Toronto, Ontario, Canada

Toronto, Canada Area

· Reviewed/ supported/ approved commercial applications for up to $ 35 MM specializing in land, construction financing and commercial real estate. Individual approval authority of $ 15MM. · Led policy and process changes for the Commercial Lending team including rollout of credit applications, terms of reference for the Board and process maps for Origination, credit approval and monitoring of high risk accounts.· Developed and managed a team of high performing individuals dealing with Special Accounts and Credit Administration. · Presented at the DUCA Board Credit Committee and DUCA Board to help make strategic decisions for the portfolio by providing portfolio analytics.

· Granted credit authorizations within delegated lending authority of up to CAD 75 MM. Responsible for adjudicating a loan portfolio of CAD 1.5 Billion in diversified industries. Nil credit loss for approvals granted. · Post subprime crisis, successfully maintained a stable credit portfolio in a difficult credit environment.· Performed portfolio reviews/ stress tests to assess quality & ability to withstand credit stress. · Tracked portfolio quality to ensure alignment of business strategy with risk appetite. Presented findings and effectiveness of corrective actions to senior management. · Provided counseling and training to line lenders and credit analysts to enhance risk analysis and solve complex credit problems and ensured that lending officers exercised sound credit practices.· Successfully managed all external audits by KPMG which covered review of the portfolio quality, level of impairment provisions & high risk accounts.

· Managed a portfolio of commercial clients in real estate & trading sector. Portfolio with asset size of CAD 1Bn grew by more than 30% YOY in terms of revenue. · In-depth knowledge of commercial banking products including lending/ term financing, trade finance, cash management and treasury products.· Excellent verbal and client interaction skills facilitated a client service focus and quick turnaround of transactions. · Strong written and analytical skills ensured focused and well-articulated credit proposals for existing and new to bank relationships.

Master Of Business Administration (Mba)

Chartered Financial Analyst

Bachelors Of Business Administration, Finance & Economics

-Strong academic background, IBA being Bangladesh’s oldest and most respected business school (founded in collaboration with Indiana.