Adil Ahmed
Toronto,Ontario
Summary
Dynamic credit risk manager with a proven track record at the Bank of Nova Scotia, excelling in credit analysis and policy development. Expert in streamlining processes and enhancing submission quality, leveraging strong communication and creative problem-solving skills to drive significant improvements in approval rates and operational efficiency.
Overview
10
10
years of professional experience
Work History
Manager of Credit Risk
Bank of Nova Scotia
Toronto, ON
01.2022 - Current
- Adjudicated complex credit applications across Private Banking, Retail Branch, and Mortgage channels within established policy and risk guidelines.
- Structured credit solutions utilizing diverse collateral including investment portfolios, real estate, and business assets.
- Reviewed and approved exception-based mortgage and loan requests with emphasis on risk assessment, consistency, and turnaround time.
- Collaborated with advisors and partners to deliver timely and transparent credit decisions supported by thorough documentation.
- Provided guidance on credit structuring and policy to enhance submission quality and approval rates.
- Supported process improvements by developing a custom tool for automated tracking and enhanced reporting.
Credit Quality Assurance Analyst
Tangerine
01.2020 - 01.2022
- Monitored mortgage and credit applications to ensure compliance and accuracy.
- Streamlined quality assurance processes through implementation of reporting automation tools, achieving significant time and FTE savings.
- Validated mortgage documents while designing comprehensive quality assurance checklists.
- Documented quality issues and provided actionable feedback to enhance team performance.
- Created reports identifying trends and proposing process improvements.
- Maintained up-to-date knowledge of policies and industry standards for effective credit risk management.
- Collaborated on policy updates, effectively communicating quality findings across teams.
- Led independent quality assurance projects aligned with business objectives.
Senior Credit Analyst
Dominion Lending
01.2018 - 01.2019
- Reviewed and processed diverse credit applications for multiple lenders.
- Managed documentation and compliance for loan application approvals.
- Conducted detailed financial analyses to assess loan profitability and risk.
Credit Underwriter
TD Canada Trust
01.2016 - 01.2018
- Provided expert financial guidance and mentored junior staff in product knowledge.
- Assisted in branch management and client financial strategy development.
- Developed and implemented client-focused investment strategies.
Education
BBA - Accounting
Concordia University
Montreal, None04-2009
Certificate - Accounting And Finance
Ryerson University
Toronto, None04-2014
Certificate - Financial Services Advice
Canadian Securities Institute
Toronto, ON06-2014
Designation - Canadian Risk Management (CRM)
RIMS.org
Toronto, ONSkills
Communication skills
- Creative problem solving
- Credit risk analysis
- Policy development
- Database administration
- Decision making
- Data analysis
- Microsoft Office proficiency
- Documentation review
- Process improvement
Languages
English - Fluent, Urdu - Fluent, Punjabi - Fluent, French - Intermediate
Languages
English
Full Professional
Urdu
Native/ Bilingual
Affiliations
- Tennis
- Handy work
Accomplishments
- Won TD bank champions award/trip in 2014
Timeline
Manager of Credit Risk
Bank of Nova Scotia
01.2022 - Current
Credit Quality Assurance Analyst
Tangerine
01.2020 - 01.2022
Senior Credit Analyst
Dominion Lending
01.2018 - 01.2019
Credit Underwriter
TD Canada Trust
01.2016 - 01.2018
BBA - Accounting
Concordia University
Certificate - Accounting And Finance
Ryerson University
Certificate - Financial Services Advice
Canadian Securities Institute
Designation - Canadian Risk Management (CRM)
RIMS.org
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