Senior Commercial Account Manager, Mid Market

ZEESHAN THEBA – COMMERCIAL ACCOUNT MANAGER, MID MARKET

** ********** *****,

Scarborough, ON M1V 3P6, Canada

Cell: 250-***-****

Email: adh7cy@r.postjobfree.com

SUMMARY

Skilled Commercial Account Manager with 7+ years of Commercial banking experience focused on maximizing lending portfolio by managing and building strong customer relationships. Significant experience in relationship building, strategic alliance with centers of influence, negotiation and closing sales. Consistent performer with a record of achieving results, generating loan volumes and delivering exceptional customer service. Excellent interpersonal, organizational, presentation and writing skills.

KEY COMPETENCIES

• Relationship Management, maintain business relations and develop and maintain strong referral network

• Self-Starter and a Team Player

• Customized Lending Solutions

• Underwriting credit applications, Credit analysis and risk management.

• Knowledge of Banks and Credit Union operations.

• Portfolio Management and Delinquent Account Management

• Exceed Sales Targets and Cold calling

• Negotiations Skills, Expert Sales and Closing Skills

• Confident Communicator

• Proficiency with MS Office.

• Understanding of Balance sheet, Cash flow and Business Plans,

WORK HISTORY

TD CANADA TRUST June 2019 - Present

Senior Commercial Manager - Midmarket

• Manage a complex portfolio of companies consisting of 60 high net worth clients with loan size from $500,000 up to $20,000,000

• Fulfilled loan targets of $3 million in TD Equipment loans, added 8 new borrowers to the portfolio, and increased overall portfolio by 12% in net loans.

• Initiated commercial loans, mortgages, margined Lines of credits, real estate secured Lines of credit, revolving and non-revolving term loans, TD equipment loans and Leases, deposits and make client referrals to TD’s partner products.

• Developed marketing strategy to Identify prospects by conducting research followed by introduction letters and cold calls to set up meetings and persuade business transition to TD.

• Monitor existing clients by completing annual reviews to ascertain business performance, monitor covenants and transition other financial institution debt and deposits to TD.

• Represent TD bank within the community and develop new business opportunities through formal and informal networking and event participation with community and Rotary events.

• Maintain relationships with accountants, lawyers and other centres of influence to increase the portfolio.

NORTH PEACE SAVINGS AND CREDIT UNION Sept 2016 - April 2019

Senior Business Account Manager

• Managed a complex portfolio consisting of 90 key members with loan size from $300,000 to $20,000,000

• Achieved loan target of net $6,000,000

• Evaluate credit requests and approve loans within permitted lending limits and make appropriate recommendations where higher approval is needed

• Conduct annual reviews to monitor covenants and business performance and avoid loan losses.

• Experience dealing with loan syndications where loans above single-member cap limit of $3.5 million were syndicated to partner credit unions or banks.

• Experience structuring loans for residential construction, commercial construction, equipment loans, Concentra leases, Real estate purchase, margined Line of credit, Mortgage secured Line of credit, Term loans, start-up loans, CSBFL loans business purchase.

NORTH PEACE SAVINGS AND CREDIT UNION Sept 2014 – Sept 2016

Business Account Manager

• Handled a lower complexity portfolio with similar duties as listed above managing 140 members.

NORTH PEACE SAVINGS AND CREDIT UNION Sept 2013 – Aug 2014

Business Account Manager Trainee

• Deliver value-added financial advice and solutions to existing and new members

• Shadow account managers to learn underwriting and loan approval process

SCOTIABANK June 2012 – Sept 2013

Customer Service Supervisor

• Provided excellent customer service with accuracy to earn customers' trust.

• Promoted credit card sales and new bank accounts and maintained rapport with customers.

• Managed a team of tellers, allocating duties and responsibilities.

Held Various Management and Supervisory positions In India and UK May 2006 – June 2011

EDUCATION

In process of registering for Master’s in Business Administration- Athabasca University

Business Lender Accreditation – Dalhousie University, 2017-2019

Business and Professional Development Program – Dalhousie University, 2017-2018

Agriculture Business Lending – Dalhousie University, 2018-2018

Bachelors in Hospitality Management, Mumbai University, 2002 - 2005

Higher Secondary, Rizvi College of Commerce, 2000 - 2002

St. Anne’s High School Maharashtra State Board, 1990 - 2000

REFERENCE

David Devos Shaharyar Ghauri

General Manager, Prince Albert Housing Authority Branch Manager, BDC Bank

+1-306-***-**** +1-604-***-****

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