SKILLS

Over *+ years of experience in Financial Industry; Credit Risks & Analysis –Commercial & Corporate, Loan & Mortgage Lending, Retail, Investment and Corporate Banking, Risk Management and AML & Compliance

5+ years of Supervisory & Management experience

Superior knowledge and experience in analyzing financial statements

University degree in Management, Marketing with Finance and Accounting

Bilingual (French and English), both oral and written

AML & data recording, FATCA and KYC experience

Knowledge of AML systems & applications : Bureau Van Dyk/ orbis, LexisNexis, Bloomberg, world-check

Knowledge of issues & regulations of retail credit risk, wholesale credit risk and financial crime

Additional competencies: Organization & Leadership skills, team work and time management.

Strong knowledge of Microsoft office, MS Access, MS Word & Excel, PowerPoint and Internet tools

PROFESSIONAL EXPERIENCE

STONEBRIDGE FINANCIAL CORPORATION –TORONTO January 2018 to present

Credit Risk & Portfolio Project Manager

Analyses financial reports and identifies financial trends, risks and causes; test credit covenant compliance and prepare credit reviews with recommendation

Performs quarterly loan schedule reviews and identifies credit risks

Monitors projects under construction- analyses cost consultant report, gathers all drawdown documentation, prepares letter summary and provides recommendation

Administers project, coordinates loan amendment and other requests, resolves project issues in a timely manner

Administers client relationship –manages all clients reporting requirement, including financial statements, certificates, insurance renewals and other securities documents

Performs client-related compliance activities, reviews of KYC documents, securities checks and agreement covenants compliance.

Assists Project Finance Group, arranges delivery of consultant reports, coordinates funding and escrow account documentation, prepares related press release and marketing materials and provides general support for closing Project Finance transactions

HSBC BANK CANADA –TORONTO April 2017 to December 2017

Bilingual Trade Middle Office Associate in Global Trade and Receivables Finance (International Banking)

Supported the Global Trade and Receivables Finance GTRF team with daily operations

Worked closely with internal and external stakeholders in support of regulatory services activities to ensure the completion of processes or activities with established procedures

Ensured that all trade related activities including letter of credit and bank guarantee are handled in accordance with applicable International rules and regulations with specific attention to accuracy and compliance

Processed all import and export transactions such as the issuance of documentary credits, shipping guarantees, import loans, export documentary credit advice, documentary credit amendments and documentary credit confirmations

Ensured all transactions are processed within the existing regulatory and financial crime risk frameworks

Verified and monitored nil instances of sanction breach/WOLF

Maintained internal control standard, including the timely implementation of internal and external audit points together with any issues raised by external regulators.

B2B BANK – TORONTO December 2016 – March 2017

Bilingual Credit Administrator in Investment Banking

Administered & maintained loans underwritten systematically or manually

Completed regular reviews on systematically approved loans to confirm risk rating

Compliant with departmental/individual service standards and objectives & maintained optimum productivity levels

Verified the accuracy of data/details on loan applications, supporting documentations and various transactions to ensure their accuracy for in good order and compliance/regulatory requirements are met

SNAP FINANCIAL GROUP – TORONTO August 2016 - December 2016

Bilingual Funding Administrator

Screened, analyzed and documented agreements or loan contracts submitted by dealers for accuracy and completeness for funding purposes

Ensured proper security registration is in place

Performed compliance tasks and audit of loan documents, followed procedures, policies and guideline & prepare reports

Funded Insurance premiums and different loans such as investment loans and margin accounts

Monitored incoming document queue to ensure processing targets are met on time (i.e. 24hrs / 48hrs)

Liaised with internal staff, external vendors and customers with regard to the documentation and funding

SBM BANK Ltd – MAURITIUS January 2012- January 2016

Credit & Compliance Manager

Provided financial advice and high quality service to identify customer’s financial needs and resolved financial issues & risks.

Analyzed and interpreted loan and income documents from customer’s and evaluation on financial status, references, credit and ability to repay the loan.

Analyzed debts ratios for business loan, SME loans, and Real Estate Construction loans.

Processed and submitted mortgage and business/construction loan applications to final credit department with recommendations for approval or rejection ensuring that credit standards of the intuition were respected

Verified monthly loan reviews and recommended loan re-schedule depending on new assessment, risk and compliance

Supervised and monitored loans processing of junior staff, provided training, coaching and recommendation on assessment credit risk rating

Maintained the Corporate Credit policy and recommended changes in the credit policy to senior management.

Adhered to processes and maintained documentation for all compliance, credit risk, Know Your Client, FATCA, AML and identified and unusual activities and transactions

Monitored internal AML procedures and policies relating to record keeping, reporting, risk assessment, customer due diligence measures, and management control systems

Reviewed alerts from the automated transaction monitoring system to determine any suspicious or indicative of sanctions violations

Provided enhance due diligence for accounts identified as high risk by collecting and analyzing information and makes recommendation for actions to maintain the account relationship within the defined tolerance level or recommends termination of relationship

Performed the required KYC screening by documenting and corroborating the information obtained on the client reports

Performed a first level check on all demarked files to ensure accuracy and completion of documentations on system

Loan officer June 2009- January 2012

Reviewed, assessed and processed retail & corporate loan applications and recommended approval, rejection or further review

Analyzed credit risks through models and ratios for loan approval

Monitored late loan payment, delinquent accounts and processed loan reschedule

Opened new personal and non-personal accounts and provided access to automated banking machine, telephone banking, International transfer facilities and online banking services

Handled customer’s escalation through phone or face to face inquiries on products such as credit card and account discrepancies and channeled them to appropriate departments

EDUCATION AND PROFESIONAL DEVELOPMENT

Bachelor degree in Management Marketing 2015

University of Technology, Mauritius

Certificates:

Anti- Money Laundering (AML) by SBM BANK Ltd

Front Line Customer Service

Revolutionary Selling

Bank Operations & Management

AWARD & RECOGNITION

Best Banker SBM Bank Ltd 2013

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