BALAKUMAR SUBRAMANIAM

***-**** ********* ******, ***********, ON M1V 1V5

416-***-**** adpdyi@r.postjobfree.com

Highlights of Skills and Qualifications

Dynamic and tactful Credit Officer with 12+ years of experience in Financial Accounting, Operational and System Auditing and Management Reporting.

Expert on performing Age Analysis (Debtors) and non-performing loan schedules.

Expert on Microsoft Office applications, Accpac 5.0 and QuickBooks.

Proficient in financial and credit analysis, general banking procedures for bank credit approval, policy implementation and loan documentation

Excellent communication skills both oral and written for client’s interactions with 20 years of customer service experience in the banking industry

Highly organized, dedicated and positive team player.

Excellent attention to detail with a high level of accuracy, work well under pressure in meeting deadlines.

Professional Experience

Senior Credit Officer July 2007 to Feb. 2020

Canadian Imperial Bank of Commerce (CIBC)

Processed CIBC Retail Lending product orders

Verified all the applications in compliance with CIBC standards and policies.

Consistently applied all risk and due diligence policies, practices and procedures

Communicated matters pertaining to credit request to internal and external stakeholders to facilitate credit approval process.

Handled customer inquiries in accordance with a CIBC privacy policy.

Review credit bureau reports and other relevant document for credit and risk analysis and decision making.

Consistently met the Service Level Agreement (SLA) by prioritizing the workflow and Canadian Anti-Money Laundering regulations

Provided help and support to the new team and temporary staff to understand CIBC procedure

Ensure credit adherence with bank policies and actively participate in decisions regarding acceptance of beneficial credit deals and rejection of loans where credit risk is significant

Adjudicate loans and line of credits to risk departments for approval Retail Lending Specialist May 2000 to June 2007

Canadian Imperial Bank of Commerce (CIBC)

Processed account opening, line of credits and disbursement of proceeds of unsecured loan applications by verifying submitted details, documenting analysis and contacting customers for proper documentation and other internal partners.

Adhered with Legal and Compliance, Credit Risk and Customer Value Management Teams to streamline existing credit approval and documentation processes and improve customer experience without compromising regulatory and credit procedures.

Knowledge of credit modeling, deposits and credit products

Processed credit requests up to one million and performed accompanied risk analysis.

Trained new employees regarding general credit policy procedures

Ensured daily smooth functioning of the bank’s credit processing and disbursement Balakumar Subramaniam Page 2

Business Support Specialist Jan. 1997 to April 2000 Canadian Imperial Bank of Commerce (CIBC)

Customer support for services such as internet connection software configuration and access set up received through workflow

Estimate, organize, assign and monitor day to day work assignment to team members

Verified compliance report

Created new accounts, approved overdraft protection, processed investments and RRSP and changed account features to meet customer needs

Provide client focused products that satisfy customer needs and ensure the highest service quality and assurance that outlined in SLA

Details working knowledge of all the products and processing of product support and administration departments

Bookkeeper / Financial Analyst Jan. 1981- Sept. 1994 Built Element Ltd

Maintained creditors balance and reconciled the amount payable; maintained cashbook and prepared bank reconciliation statement.

Co-ordinated with external auditors and prepared schedules for external reporting requirements.

Maintained the fixed asset registers and prepared depreciation schedules.

Ensured prompt payment to creditors and provided up to date information for fund allocation

Prepared outstanding payment schedule for collection staff.

Analyzed month end balances and rectified it with appropriate journal entries.

Posted all entries to the General Ledger and extracted month end financial statements.

Developed appropriate resource planning to minimize the cost of production.

Strengthened inventory control to avoid unnecessary carrying cost.

Prepared operating budget and maintained inventory and budgetary controls. Audit Assistant Jan. 1980- Jan. 1981

Satchithananda and Partners (Chartered Accounts)

Verified and inspected accounts receivable and payable ledgers and general ledger for accuracy.

Checked, inspected and reconciled bank deposits and payments.

Pre-audited, verified, and processed employee expense claims reviewing rules for employee compliance.

Verified items billed against items ordered and received and reconciled differences through follow-up with the vendor and/or other employees.

Drafted reports detailing observed deficiencies and recommend corrective actions.

Worked within claims management system to track and maintain vendor correspondence. Education

Advanced Diploma in Business Administration - Accounting Centennial College, Toronto, Ontario

Certified General Accountants (CGA) – Final level

Charted Professional Accountant – CPA PEP

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