Credit Analyst

Bren Calabia

587-***-**** ● ****.*******@*******.*** ● Calgary, Alberta (Open to Relocation)

EXPERIENCE & PROJECTS

Credit Analyst

Ryde Financial Ltd. - Calgary, AB March 2024 to Present

• Reviewed and underwrote 2,000+ subprime and prime retail credit applications for powersports vehicles—including ATVs, UTVs, snowmobiles, motorcycles, and personal watercraft, and boats—by analyzing Equifax credit reports, calculating debt service ratios, and assessing applicant financial capacity. Structured loan terms, interest rates, and down payment requirements to balance affordability with risk mitigation, achieving a 95% approval rate.

• Conducted precise asset valuations using market comparables and wholesale/residual guides (e.g., Blue Book, Black Book, NADA), ensuring loans remained within acceptable loan-to-value (LTV) thresholds across varied vehicle types and regional pricing trends.

• Rigorously verified applicant documentation, including income verification (pay stubs, bank statements, business invoices), immigration/work permits, and consumer proposal disclosures, ensuring full compliance with credit policy and regulatory guidelines.

• Monitored and resolved credit exceptions in underwriting pipelines, implementing proactive follow-ups and documentation audits that reduced exception rates by 80% and improved average credit decision turnaround times by 30%

• Collaborated cross-functionally with Contracts, Dealer Relations, and Collections teams to address approval conditions, mitigate dealer-side risk, and ensure end-to-end compliance—contributing to a 90% improvement in loan portfolio performance and 100% adherence to audit standards. Contracts & Funding Analyst

Ryde Financial Ltd. - Calgary, AB March 2024 to Present

• Administered ongoing credit files for 1500+ commercial and retail loans monthly, including covenant tracking, document verification, and exception resolution to maintain compliance and audit-readiness.

• Utilized AutoPal loan servicing software to audit and manage loan documentation, track funding status, and ensure consistency across digital records and physical files, contributing to a 98% file accuracy rate.

• Assisted in assembling and reviewing over 300+ monthly funding and dealer reporting packages, ensuring all supporting documents (invoices, bills of sale, insurance, proof of delivery) met 100% accuracy and compliance standards.

• Accurately input and updated customer information in internal systems, achieving a 98.8% data accuracy rate, reducing errors and improving operational efficiency.

• Managed end-to-end processing of PPSA (Personal Property Security Act) registrations, renewals, amendments, and discharges for financed powersports assets across multiple provinces, ensuring legal enforceability of security interests and alignment with loan structures. Credit Coordinator

Bennington Financial Corp. (Equitable Bank) - Oakville, ON May 2022 to March 2024

• Processed and reviewed over 2,000 commercial credit applications for both prime and subprime clients, specializing in equipment leasing solutions tailored to small business owners and corporations across diverse industries such as transportation, restaurants, healthcare, construction, and manufacturing. Achieved a 98% approval rate by aligning lease structures with client cash flows, credit strength, and asset values.

• Created and maintained detailed customer profiles by verifying business credentials and ownership structures, reviewing financial statements (T1s, T2s, NOAs), land title searches, and performing due diligence through Anti-Money Laundering (AML) procedures to ensure compliance with regulatory standards

• Conducted in-depth analysis of corporate and consumer credit data using Equifax, PayNet, and TransUnion to support commercial lending decisions, helping underwriters tailor credit structures to client needs. This supported 100% of underwriting decisions with timely, accurate, and actionable insights. Freelance Bookkeeper

LashBeautyB - Calgary, AB Sept 2021 to Dec 2024

• Tracked and categorized over $57,000+ in annual revenue and expenses using Excel, improving visibility into cash flow for better monthly planning.

• Reconciled an average of 60–80 monthly transactions from e-transfers, Square, and cash payments to ensure accurate financial records.

• Managed supply cost tracking for 20+ SKUs including lash trays, adhesives, and disposables, reducing overspending by 15%.

• Created simplified monthly income statements and summaries to support tax filings, saving over $500 annually in bookkeeping service costs.

• Maintained accurate client invoice records for 150+ appointments per month, minimizing no-show losses and missed payments. EDUCATION

Southern Alberta Institute of Technology Bachelor of Business Administration in Finance & Accounting Completed April 2023

•Finance Concentration with a specialized track in Securities, Financial Planning & Banking Services Corporate Finance Institute Financial Modeling & Valuation Analyst (FMVA) Completed Sept 2021

•Financial Statement Analysis, Advanced Financial Management, M&A, Investments Southern Alberta Institute of Technology Business Administration in Finance Completed April 2020 SKILLS

• Analytical: Financial modeling, market and credit analysis, investment evaluation, Microsoft Excel (PivotTables, macros, VLOOKUP, XLOOKUP, INDEX MATCH, forecasting), Equifax, TransUnion, PayNet

• Technical: AutoPal, Adobe Acrobat, Microsoft Office Suite (Excel, Outlook, PowerPoint, Word), Financial Ratio Analysis (DSCR, LTV, Quick Ratio, Debt-to-Equity), PPSA registrations

• Interpersonal: Exceptional verbal and written communication, attention to detail, time management, teamwork, adaptability

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