SAMIUL KAZMI
416-***-**** ac928j@r.postjobfree.com
PROFILE SUMMARY:
Experienced credit risk professional, with exceptional analytical, risk management and decision-making skills attained through work and education. Over 12 years of experience in financial industry assessing credit risk profile of businesses across Canada and making risk tolerance decisions.
CORE STRENTHS:
Stakeholder Engagement
Problem Management
Data Analysis
Data Analysis
Data Visualization
Process Development & Improvement
Financial Modeling
Risk Management
Financial Analysis
WORK EXPERIENCES:
Dell Canada Oct 2016 - Current
Senior Credit Risk Analyst/Credit Review
•Review and understand credit quality to determine if they meet Dell’s policies and guideline
•Provide final approval for funding, and/or assign loan for further assessment
• Escalate any immediate concerns or trends to the risk team.
•Ensure that loans are underwritten according to policies and guidelines
•Identify operational trends and suggest process improvements where applicable
•Work with the sales and operations teams to review and loan level requests in a timely manner
•Be the liaison between the Operation and Risk team
•Developed a strong understanding of CS Credit and Market Risk systems and associated front to back data flows and processes
•Review customer information for completeness and accuracy, prior to performing credit reviews. Information includes financial statements, bank reports, agency agreements, registration documents and past customer bills
•Manage the credit and fraud risk associated with a diverse portfolio (evaluation of business cases, industry trends, market and operational risks).
RBC Royal Bank (Mississauga, ON) Nov 2007-Dec 2016 Business Analyst
•Identify, oversee and capture any constraints, risks, dependencies and constraints which might negatively impact the loan payback/credit analysis payment plan while ensuring value-addition for both RBC and business stakeholders. Recommend the right business solutions for a positive Return On Investment (ROI) based on the company’s present and future state in terms of growth, capacity and support for the payment plan
•Develop high- Reviewed Financial Statements and calculated Financial Ratios to assess company’s capacity to support payments. Consider collateral, credit, relationship, and business potential before delivering the decision.
•Analyzed risk factors and looked for ways to mitigate risk by considering cash security, general security agreement or simply transferring limits to limit Bank’s exposure.
•Lead person for ensuring transformation and implementation of change on an end-to-end basis
•Create detailed functional and system implementation requirements for both market and credit risk systems regulatory capital calculation
•Defined and developing standards and targets related to governance and oversight, risk metrics, operational risk/controls and/or financial risk/controls frameworks;
•RBC Bronze Star winner
RBC Royal Bank (Mississauga, ON) Sept 2005-Oct 2007
Credit Analyst
•Reviewed personal Credit Bureau Reports on a daily basis and addressed any issues such as late payments, collections, bankruptcies, fraud alerts etc.
•Analyzed credit applications for refinancing mortgages, loans, and visa cards by assessing 5 C’s of credit Recorded/updated current assets/liabilities accurately to calculate the client’s Tangible Net Worth and Total Debt Ratio
Provided influential credit counseling to clients and devised customized financial plans to increase eligibility for credit in the future
Scrutinized personal credit bureau reports and diligently addressed issues such as late payments, collections, bankruptcies, and fraud alerts.
Proven ability of lowering RBC’ s lending risk while consistently contributing to the banks bottom line.
RBC Royal Bank (Mississauga, ON) Feb 2004-Sept 2005
Visa Analyst
•Provided assistance in a team-structured environment to nationwide and global clients of varied levels, for personal banking needs
•Responded to clients by identifying needs, offering value added advice, spotting opportunities and cross selling products
•Define all activities with corresponding resources, work effort, duration, target dates and actual dates based on solutions delivery requirements
•Monitor and ensure credit limits and actions are in accordance with RBC credit policy
ACCOMPLISHMENTS
•Nominated as the winner in providing the right financial advice and recommendation to client’s.
•Award Nomination for being one of the best team players
•Quarterly award winner
•RBC Bronze Star winner
TECHNICAL SKILLS SUMMARY
•Proficient in Office productivity tools (Word, Excel, PowerPoint, Access, MS project)
•Financial Statement Analysis Certified.
•Proficient in multiple information gathering, analysis tools and testing methodologies (Financial Modelling, elicitation, data mapping, scope analysis stakeholder analysis, flowcharting, waterfall modelling, Agile methodology, TS2, CART. Talent link, Sales Force, Vison +,ILEC, Synergy, Sales Assist, Mortgage Calculator, Nova SGI, Oasys, Casper (Credit Application Scoring Process Electronic Reporting),ICM, Remedy, Stripe, Asonia,