Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Abhijit Thatte

460 Belmont Ave SW Calgary, AB,Canada

Summary

As a target-driven and results-oriented banking professional, I bring over 15 years of extensive experience in the financial services sector, having collaborated with leading banks and credit unions. My self-motivated approach has consistently proven effective in meeting and surpassing objectives. I am recognized as an exceptional team player, adept at leveraging my skills to contribute to and enhance team success. My career is marked by a steadfast commitment to achieving excellence and driving growth within the banking industry

Overview

6
6
years of professional experience

Work History

Relationship Manager-Underwriter

Servus Credit Union
09.2022 - Current
  • Crafted high-level credit review summaries for loan requests exceeding $5 million, prepare Letter of Interest and underwriting formal loan submissions
  • Conducted in-depth analysis of rent rolls, leases, and operating statements to assess financial soundness and structure credit deals for the Market Director and Senior Relationship Manager
  • Specialized in underwriting diverse real estate credit applications, including term loans, construction financing, syndicated loans, and CMHC loans to facilitate approval from the credit room
  • Evaluated appraisals, building condition reports, quality assurance, and environmental reports and integrating findings into credit applications
  • Performed meticulous lease reviews, ensuring accuracy against rent rolls and resolving discrepancies to optimize loan submissions
  • Managed loan amendment processes, enhancing loan agreement terms and borrower satisfaction
  • Uphold strict adherence to pre-funding conditions, supporting the Market Director and Senior Relationship Manager to facilitate fundings and draw requests
  • Complete annual account reviews and loan renewals, contributing to sustained portfolio health and client retention
  • Provided mentorship to credit analysts, fostering professional growth and ensuring annual reviews for team members are completed in a timely manner

Commercial Loans Officer

Mortgage Connection
02.2022 - 09.2022
  • Engaged with potential commercial clients to comprehend their financing needs, ensuring tailored loan solutions
  • Developed and pitched comprehensive financing packages to prospective lenders, highlighting client potential and creditworthiness
  • Facilitated seamless communication between clients and financial institutions throughout the loan process, from initiation to successful funding

Relationship Officer

Servus Credit Union
05.2021 - 01.2022
  • Managed a portfolio of commercial clients, addressing loan inquiries and maintaining existing loan agreements
  • Conducted underwriting for commercial and construction loans, ensuring submission for credit approval
  • Completed construction financing requests from inception to draw requests
  • Assessed rent rolls, operating statements, and appraisals to evaluate financial soundness for new loan proposals and credit structuring
  • Analyzed financial statements, focusing on key ratios to determine lending feasibility
  • Performed annual reviews to ensure continued compliance and financial health of existing members

Relationship Manager, Lending

Agriculture Financial Services Corporation (AFSC)
03.2019 - 05.2021
  • Manage a portfolio of commercial clients, addressing loan inquiries and maintaining loan accounts
  • Provide lending solutions to new and existing Rural and Agri-Business clients
  • Underwrite commercial loans for the rural and Agri-business sector and coordinating with credit specialists for approval
  • Assess new business plans to ensure alignment with AFSC lending criteria
  • Conduct financial analysis to ascertain the viability of loan applicants
  • Perform annual reviews to evaluate the financial health of commercial clients
  • Execute monthly audits of non-compliant accounts and enforce loan covenant compliance
  • Proactively manage overdue accounts, collaborating with clients to resolve outstanding balances
  • Develop Delinquency Action Plans for accounts in arrears to mitigate financial risks
  • Represent AFSC at industry events, promoting commercial loan programs and building brand presence
  • Collaborate with external lenders to fulfill comprehensive client borrowing requirements
  • Actively follow up on leads to expand client base and drive business growth

Personal Banking Specialist

ATB Financial
07.2018 - 03.2021
  • Assist personal and business customers with account opening and also provide them with access to online banking
  • Assist customers with credit cards, Personal Loans and HELOCS
  • Assess and analyze credit applications in line with bank polices
  • Setting up GICs, RRSPs, TFSAs, RESPs and assist with transfer in and out of RRSPs and TFSAs
  • Refer prospective small business borrowers to business banking
  • Follow up on mortgage and GIC renewals
  • Provide backup to Customer Service Representatives (CSRs) at busy times
  • Make outbound calls and follow up on customer interactions

Education

The Institute of Chartered Accountants of India

India

Skills

  • Commercial Credit Underwriting and structuring
  • Solid understanding of the 5 C's of Credit
  • Financial Analysis
  • Interpreting Financial Ratios

Languages

English
Full Professional
Hindi
Professional Working

Timeline

Relationship Manager-Underwriter

Servus Credit Union
09.2022 - Current

Commercial Loans Officer

Mortgage Connection
02.2022 - 09.2022

Relationship Officer

Servus Credit Union
05.2021 - 01.2022

Relationship Manager, Lending

Agriculture Financial Services Corporation (AFSC)
03.2019 - 05.2021

Personal Banking Specialist

ATB Financial
07.2018 - 03.2021

The Institute of Chartered Accountants of India

India

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Abhijit Thatte