Manager Sales

KAMELIYA SARRAFAN

** ****** ****. *******, ** M*H 2P6 416-***-**** ***************@*****.***

Analytical and solution-focused individual with extensive professional experience within team manage- ment and credit analysis. Provided foundational knowledge on credit crafting training and team perfor- mance assessment while monitoring compliance targets and policy understanding. Manages approval and rejection of credit recommendation while maintaining limits and policies. Maintains and coordinated with various departments to address and resolve issues between clients and credit application while in- vestigating and adjusting credit policies. A versatile and dedicated Credit Risk Manager with the ability to undertake and own complex assignments and projects with minimal direction and learn quickly on the job. Conceptual thinker that can see the "big picture" in a complex environment. Possesses expan- sive knowledge of Personal and Small Business credit products, policies, and procedures from end to end. Practices established managerial strategies to create and lead a successful team, and applies strong financial and analytical experience to inform senior management of key trends and potential road- blocks.

CORE COMPETENCIES

• Credit Granting & Updating • Credit Crafting Policy

• Performance Assessment

• Team Management

• AOM Planning

• Report Preparation

• Credit Analysis

• Team Coaching

• Interdepartmental

• Collaboration

Technical Acumen: Windows Microsoft Office Suite TD Canada Trust Software (Host, C3, TSYS, Pega, IDOC, ITrack, LCP, AV, AWS),WB,BA

PROFESSIONAL EXPERIENCE

Manager Retail Underwriting& Collections Rapport Credit Union Oct 2018-June2020 Overview: Responsible for review, and analyze and underwrite all in-coming applications for retail loans and mortgages within assigned limits and make credit recommendations and escalate as required. Provides direct support and guidance to branch employees by providing ongoing coaching on credit structuring and product alternatives.

• Recommends changes for improvements of retail lending policies, procedures, documentation, products and services to strengthen Rapport Credit Union’s performance while maintain delinquency control systems on all contractual loan delinquencies. Works as an integral part of the Retail Underwriting and collection teams to provide excellent service to commercial lending and commercial account membership Key Responsibilities:

Credit Approval: Receives and considers applications for personal loans and mortgages from all branches

;formulates decisions and authorizes disbursement of funds of those loans within authorized lending lim- its, while ensuring they are made in accordance with legislation and credit union policy. Escalates with recommendations all loans involving exceptions to policy or those above authorized limits and reviews all lending declines.

• COLLECTION: Maintains delinquency control systems on all contractual loan delinquencies over and beyond 30 days which are otherwise handled at the branch level. Initiates collection action for funds owing on delinquent accounts by analyzing and assessing status of accounts and identi- fying appropriate steps to be take in accordance with established collection policy, procedures and time frames. Recommends any charge –offs/foreclosures and/or legal actions to EVP Credit & Operations. Handles bankruptcy proof of claims and attends bankruptcy meetings when neces- sary.

Management:Direct and manages the effectiveness of the retail underwriting team and mortgage admin- istrative staff by providing direction, coaching and leadership to the team in order to help them achieve organizational goals and help in managing and resolving complex issues.

• Promotes adherence to established policies and procedures and recommends changes to the EVP Credit&Operations as required.

• Identifies and recommends changes to policies and procedures to the EVP Credit&Operations based on feedback and improvement initiatives being recommended. Credit Manager TD Personal Credit Markham (MMS Channel) Jan. 2018 – JULY.2018 Overview: Manages 100+ underwriter and credit assistants with credit appeal understanding and analy- sis while providing managerial allowance approval and reconstruction. Maintains relationships with the sales department and senior management. Motivates credit and collections staff to adhere to credit pol- icy and guidelines while training and monitoring application processes. Act as an escalation point for credit applications that are deemed higher risk, and hold discretionary credit limits. Credit files are reviewed for defined high-risk exceptions, such as high debt servicing ra- tios, low credit scores, business-for-self income, equity lending programs, and illiquid/non-conforming real estate collateral. This includes in-depth understanding and oversight of the recent B-20 guidelines. Identify trends in underwriting practices and the holistic view of our mortgage portfolio from a risk per- spective, as well as gaps in our underwriting policies with recommendations to adjust or amend proce- dures. Provide a pragmatic approach to managing risk by understanding the needs of our clients and our business partners, while only engaging in risks that we understand and that are within the Bank’s risk appetite. Coach business partners to ensure credit issues are handled appropriately, and provide guid- ance in the negotiation and resolution of complex/sensitive circumstances. Key Responsibilities:

Credit Approval: Reviews application while providing underwriters and credit assistants with accepting and rejecting credit recommendations and deductions.

Interdepartmental Collaboration: Maintains relationships with senior and sales managers regarding appeals and corporate credit policy changes.

Process Assessment: Monitors the credit granting and updating process for customer credit files while investigating large credit applications and implementing appeal changes. KAMELIYA SARRAFAN 416-***-**** ***************@*****.*** PROFESSIONAL EXPERIENCE (CONTINUED)

Team Management: Manages compliance targets through progress analysis and appeal understanding produced by credit and collection staff while providing credit policy training. Credit Manager TD Canada Trust (MMS, ODC Complex) 2015 – 2017 Overview: Provided credit assessment and management for the exclusive queue of the top 100 OCD in Canada. Managed a complex team of underwriters and credit assistants through policy coaching and credit analysis training. Handled SM Escalations and appeals within the team to ensure effective and timely management. Assessed team progression reports and credit policy recommendations. Selected Accomplishments:

Provided clarification for CQG and government audits within the TD Canada Trust ODC Complex de- partment. Exercised due diligence to ensure the accuracy, authenticity and correctness of all appli- cant information, documents and calculations in order to minimize potential losses. Identified situa- tions where exceptions are warranted and used discretion for escalating opportunities.

Frequently ensured underwriter and credit assistant teams adhered to and exceeded compliance targets. Followed and observed that employees understood and applied established funding policies and procedures and ensure necessary due diligence is taken to support the accuracy and consistency of all files.

Key Responsibilities:

Team Training: Provided coaching within a complex team of underwriters and credit assistants to maintain continuous understanding and level progression, while providing job shadowing opportuni- ties for desired positions.

Policy Understanding: Assisted underwriters and credit assistants with day-to-day questions regarding credit policies and appeal processes while managing queues. Key Responsibilities as Credit Manager at MMS, ODC Complex:

Progress Report: Analyzed team productivity reports while conducting one-on-one meetings with team members to understand and assess compliance targets.

Customer Service: Collaborated with sales manager to identify and assist with client credit issues while identifying rate and approval changes to produce customer satisfaction. Coach business partners to ensure credit issues are handled appropriately, and provide guidance in the negotiation and resolu- tion of complex/sensitive circumstances.

Fraud Assessment: Maintained assessment of possible fraudulent applications while coordinating with legal and sales departments to acquire client information and understands application rejections. Team Manager TD Canada Trust, Personal Credit Markham 2013 – 2015 Overview: Managed a team of level 6 and 7 credit assistants and analysts with policy understanding and credit crafting mentorship to maintain and ensure effective performance. Support junior underwriters with level progression through assignment of complex deal to challenge and recognize understanding levels.

Maintained compliance with bank and industry codes of conduct. Key Responsibilities:

provided team planning on a daily and weekly basis by assessing and identifying goals and targets for team performance and progression.

conducted team meeting to identify and produce AOM plans and determine missing factors and avenues of improvement for team co-ordination.

Analyzed and recommended policy changes to drive and enhance team performance while providing policy understanding coaching and credit crafting mentors to influence limit achievement and level increases.

Monitored team target data and daily work flows through excel to provide effective progression as- sessment while identifying required areas of additional support for credit manager valuation. KAMELIYA SARRAFAN

75 Alexis Blvd. Toronto, ON M3H 2P6 416-***-**** ***************@*****.*** AOM Certification

Bachelor of Science AZAD University Tehran, Iran

Review 20+ deals produced by team members to ensure policy and obtained limit ad- herenc Assisted with team HR management through inquiry management and reporting. e.

PROFESSIONAL EXPERIENCE

Senior Credit Analyst TD Canada Trust, PCM (Branch Banking) 2012 – 2013

Senior Credit Analyst TD Canada Trust (Private Banking Group) 2010 – 2012

Junior Credit Analyst TD Canada Trust (Personal Credit Markham) 2008 – 2010

Credit Granting Officer TD Canada Trust (TD Visa Credit Centre) 2005 – 2008

EDUCATION

Contact this candidate