Опис
I am a dedicated SME Credit Underwriter with 5 years of experience originating, analyzing, and managing commercial loan portfolios for small and medium-sized enterprises. I specialize in looking beyond standard credit scores to understand the true operational health of a business, partnering with entrepreneurs to structure financing solutions that fuel their growth while protecting the bank's capital.
Career Timeline & Portfolio Management:
2019 – Present: Senior Commercial Account Manager at a major Canadian chartered bank in Vancouver. I manage a diverse portfolio of SME clients across the construction, hospitality, and professional services sectors, with total exposures exceeding $120M. I conduct deep-dive financial analysis using the EBRD methodology, verifying tax returns against management accounts to identify hidden liabilities. I successfully defended a complex $5M construction facility before the regional credit committee in 2023.
2016 – 2019: Business Banking Specialist at a regional credit union. Handled client acquisition, basic financial spreading, and small business line of credit renewals.
Analytical Toolkit & Commercial Lending:
- Credit Analysis: Global cash flow analysis, EBITDA normalization, working capital cycle assessment, collateral valuation (AUMA).
- Systems & Software: nCino, Salesforce, Moody's Analytics CreditEdge, Advanced Excel (cash flow modeling).
- Regulatory: OSFI B200 guidelines, IFRS 9 ECL provisioning, AML/KYC compliance for corporate entities.
I hold a Bachelor of Business Administration from the University of British Columbia (UBC) and am a CFA Level II candidate. I am highly communicative, possess strong negotiation skills, and am deeply committed to supporting the local business community. I am seeking a full-time, hybrid role in the Lower Mainland.