Credit Analyst

MS. PREETI VERMA

Unit ***, *** Duplex Avenue, Toronto, ON, M4R1V2

Tel: 647-***-**** Email: j2s0e9@r.postjobfree.com

OBJECTIVE

Seeking a challenging position in a well established company where I can leverage my education and experience. Interested in opportunity for growth while contributing to the success to the organization.

SUMMARY OF PROFESSIONAL QUALIFICATIONS AND EXPERIENCE

• 3 years of experience working as a Credit Analyst.

• Strong knowledge with business risk assessments, lending, credit risk concepts and busines market indicators.

• Possess proficient understanding of guidelines, policy, process and procedures

• Proficient in computer skills (MS-Office)

• 2+ years experience working in small business lending

• Currently working as, Research Analyst with the Office of Applied Research and Innovation, George Brown College

SKILLS

• Strong Leadership, Analytical, Organizational and self management skills

• Strong communication and interpersonal skills

• Skilled in Underwriting- Credit and Risk, Training, Branch Management Activities and Project Management

• Outstanding analytical depth

• Ability and experience in building positive relationships with internal and external clients

• Ability to prioritize, multitask and meet deadlines in a fast paced environment.

EDUCATIONAL QUALIFICATIONS

Jan -Dec2010 George Brown College,

Toronto, Ontario

(GPA- 3.8 , Dean’s Honor List) Post Graduate Certificate in Marketing Management-Financial Services; Courses: CSC, Database Marketing, Financial Analysis for Marketing Strategy, Data Analytics & Data Mining (SAS)

2005-2006 Institute of Charted Financial

Analysis of India

(Hyderabad, INDIA)

Post Graduate Diploma in Brand Management

2002-2004 Institute of Productivity & Management, INDIA

Post Graduate Diploma in Business Management - Major in Marketing and Finance

1999-2002 Delhi University, INDIA Bachelor of Commerce (Honors) – Business, Economics, Finance

WORK EXPERIENCE

Research Analyst- Office of Applied Research and Innovation February 2010 – Present

GEORGE BROWN COLLEGE, TORONTO, ONTARIO (PART-TIME)

Responsibilities:

• Responsible for the development of Criteria, Process and Tools to support prioritization of College-Industry Collaborative Research Projects though working closely with Representatives of Ontario Centres of Excellence (OCE), private industry and the College.

• Analysed feedback from key stakeholders to categorize and assess College Industry Partners.

• Responsible for process with diverse stakeholders from across the College to create a College-wide Innovation Index to access successfulness in executing the George Brown College 2020 Strategy

• Made formal presentation to Innovation Advisory Board (IAB) of Office of Applied Research and Innovation providing progress update on the development of activities to support College innovation activities.

• Responsible in developing successful funding applications to external organizations to support the 2020 Strategy.

• Evaluated potential projects, including conducting background research and developing project proposals, assessing the market opportunity and providing input to the development of marketing strategies.

• Primary responsibility for managing relationships with Ontario Small and Medium Enterprises (SMEs) through development of new College-Industry collaborative research projects resulted in seven new collaborations for the college.

Branch Manager January 2007 – July 2009

CITIFINANCIAL CONSUMER FINANCE, INDIA LTD

Responsibilities:

• Responsible for aligning the Branch Operations, Sales, Credit and Collection Portfolio with the strategic and tactical requirements of the Head Office.

• Managed a team of 20-25 people which included training and coaching, managing operations and customer complaints and other branch related activities

• Ensured compliance and operational risk controls in accordance with regulatory standards and policies; optimize relations with regulators by addressing issues as they arose.

• Managed internal and external sourcing for business development. Internal business development through cross selling to existing customers and Citibank Retail leads resulting in increased business of more than 40% in one year. Managed external business development through the Community Referral programs with an average increase of 20%.

• Managed Branch Profit & Loss account including credit quality, and expense control and analyzed the branch MIS to identify trends, problems, and opportunities for growth and concerns.

Credit & Risk Underwriter/Analyst October 2004- December 2006

CITIFINANCIAL CONSUMER FINANCE, INDIA LTD

Responsibilities:

• Worked closely with Sales and Operations to analyze customer financial statements, credit history, collateral value for investments, personal loans and mortgages.

• Performed credit analysis on current and potential customers and prepared and made recommendations.

• Performed Statistical Analysis to understand various customer profiles and key risk areas

• Obtain and analyze credit/public records and financial statements to assess credit worthiness and risks

• Ensured systematic collection and maintenance of current documentation and requirements of credit files as outlined in the Standard Operating Procedures.

• Manage all credit and collection activities for a portfolio of accounts with a mind to maximize sales while maintaining DSO and bad debt

• Maintained and addressed work queue deficiencies, maintained customer information in system / credit logs

• Build and maintain strong customer partnerships through proactive dialogue and taking opportunities to exceed expectations

Accomplishments:

• Awarded the Best Branch Manager and Best Branch Award in Insurance Penetration.

• Received the Certificate of Achievement for Exceptional Customer Satisfaction Survey.

• Received recognitions for Excellence in Underwriting financial products specifically Loans.

Marketing Intern - Research January 2004- September 2004

Chandan SPARSH (Lambency) - FLORINA Group

Responsibilities

• Conducted Quantitative Market Research for launching new product with reference to competitor’s brands.

• Experience in analyzing market research data using both qualitative and quantitative techniques

• Designed Performa for market research for competitive analysis.

• Responsible for creating Brand Awareness and Brand Equity for the product in the allocated district.

• Organized press conferences, presentations and road shows as a part of Brand Awareness

• Planned product promotion activities to create Brand awareness during product launch.

• Involved in developing pricing, promotional and packaging strategies for the new product range

ASSOCIATIONS AND COMMITTEES

• Created a Placement Cell, organized activities and managed events and activities during job fairs during MBA

• Co-authored working papers with Professors during MBA on topics such as Consumer Behavior on Hair Color and Factors Influencing Strategies in Cosmetic Industry.

• Volunteered with CANCER PATIENTS AIDS ASSOCIATION (CPAA), DELHI.

REFERENCES AVAILABLE UPON REQUEST

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