Experience

• 

  Scotiabank

  Oct 2014 - now

  - Managed a portfolio of automotive accounts in the mid-market and corporate segments with sound credit judgment and ongoing monitoring of credit quality and risk profiles- Provided timely analysis and recommendation on credit proposals within the framework of the bank’s credit policies and general lending guidelines- Negotiated with and offered alternatives to underwriting partners to further enhance the proposed credit structures to an acceptable level of risk- Monitored overall portfolio quality by researching industry trends and early warning indicators and by promptly escalating high risk accounts for restorative measures- Participated in the industry review and other ad hoc projects to challenge the status quo and improve the administration and adjudication of the bank’s automotive exposure Show less - Planned and forecasted centrally administered operating expenses for the bank’s executive office and developed methodologies for expense allocations to main business lines including Canadian, International, and Global Banking and Markets- Performed variance analysis on the bank’s operating expenses by major categories for quarterly reporting submissions to executive management- Collaborated with all divisions to prepare bank-wide staffing reports with underlying analytics on staff levels and remuneration spend for proactive expense management- Developed and managed a centralized standard operating procedure for ongoing maintenance of the bank’s multi-dimensional general ledger system to ensure data integrity Show less - Managed a team of lending officers with the preparation, execution and maintenance of collateral documentation as stipulated in clients’ lending agreements- Performed detailed reviews of collateral files and registrations for completeness, accuracy and enforceability of the bank’s security- Collaborated with internal and external stakeholders for exhaustive due diligence over conditions precedent prior to loan disbursements- Provided general guidance and coaching on the use and interpretation of the bank’s information systems as well as execution of established lending procedures Show less - Supervised junior analysts in providing administration and support to clients, relationship managers, underwriters and adjudicators for end-to-end management of the bank’s commercial portfolio- Trained new hires on financial analysis, credit assessment, and other administrative procedures through onboarding orientations and recurring coaching sessions- Shared in-depth knowledge of credit, trade finance, and cash management products offered by Canadian Commercial Banking- Gained diverse industry experience covering various mid-market and national account segments including agriculture, real estate and private equity Show less

  • Senior Manager, Global Risk Management - Corporate and Commercial Automotive Credit

    Nov 2020 - now

  • Manager, Global Risk Management - Corporate and Commercial Automotive Credit

    Jun 2018 - Oct 2020

  • Senior Analyst, Global Finance - Corporate Functions & Expense Management

    Dec 2016 - Jun 2018

  • Assistant Manager, Lending Services

    Apr 2016 - Dec 2016

  • Senior Client Portfolio Analyst

    Oct 2014 - Mar 2016