Summary
Overview
Work History
Education
Skills
Websites
Languages
Timeline
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ANASS BELHACHEMI

Toronto,Canada

Summary

Accomplished credit professional with a proven track record of driving exponential growth and operational excellence. In 2016, I spearheaded a 150 % increase in mortgage market engagement at Attijari Wafa Bank—earning a manager promotion just 14 months after joining by consistently delivering accurate, efficient credit decisions. By 2018, I led the Marrakech branch to national leadership with a MAD 10 billion annual mortgage portfolio. In 2022, I joined CIBC Investors Edge as a Customer Service Representative, mastering client relationship management and financial product expertise, and in 2024 I advanced to Senior Analyst, Risk Management—underwriting and adjudicating complex credit applications within a $3 million lending authority. I am now focused on leveraging this extensive background to excel in Wealth Credit Risk Management and drive strategic, risk-optimized growth.

Overview

11
11
years of professional experience

Work History

Senior Analyst Underwriting - Secured & Unsecured Lending

CIBC
Toronto, Canada
01.2022 - Current
  • Credit Decision-Making & Risk Assessment: Independently underwrite, approve, and decline secured (mortgages, HELOCs) and unsecured credit applications (credit cards, lines of credit, personal loans) within an authorized lending limit of up to $3MM, ensuring adherence to CIBC's risk framework, insurer guidelines, and OSFI regulations.
  • High-Stakes Risk Evaluation: Conduct in-depth financial and credit analysis, assessing income stability, debt serviceability, and creditworthiness using credit bureau reports, income verification, and financial ratios to mitigate risk.
  • Complex Application Review: Prepare and escalate high-risk mortgage and unsecured lending applications for senior review, providing detailed risk recommendations and portfolio impact analysis.
  • Regulatory Compliance & Fraud Prevention: Ensure strict adherence to AML, OSFI, IFRS 9, and regulatory guidelines, proactively identifying fraudulent activities and implementing risk-mitigation strategies.
  • Technology & Data Proficiency: Utilize advanced analytics tools, Power BI, Microsoft Excel – VLOOKUP, Pivot Tables), SharePoint, and CIBC's mortgage and credit adjudication platforms to enhance risk assessment and decision-making.

Mortgage Credit Manager

attijari bank
Marrakech, Morocco
01.2014 - 01.2022
  • Led comprehensive analysis of mortgage loan applications, leveraging credit reports, income statements, and appraisals to optimize risk assessment and compliance, driving a 30% reduction in defaults and enhancing portfolio quality.
  • Implemented data-driven strategies to assess loan risk and ensure compliance, enhancing decision-making accuracy and reducing portfolio risk by 20%.
  • Adjudicated and underwrote over 250 residential and commercial mortgage applications annually, ensuring compliance with credit policies and risk standards.
  • Collaborated with Private Banking stakeholders, title companies, and real estate agents to streamline end-to-end credit adjudications and enhance client satisfaction.
  • Monitored loan portfolio performance and compliance with AML regulations, leveraging analytical skills to identify and escalate high-risk cases.

Education

Bachelor's Degree - Business Economics

York University
Toronto, Canada
01-2022

Master's Degree - Marketing

ENCG Fes
Fes, Morocco
07-2013

Skills

  • Data Analysis
  • Risk Management
  • Team Leadership
  • Financial Modeling
  • Risk Assessment & Mitigation
  • Risk-Based Decision Making
  • Financial Risk Analysis
  • Underwriting Automation Tools
  • Underwriting Process Management
  • Loan Risk Exposure Monitoring
  • Credit decision-making
  • Risk assessment
  • Financial analysis
  • Regulatory compliance
  • Fraud prevention
  • Data analysis
  • Advanced Excel

Languages

Spanish
Professional
French
Native/ Bilingual
English
Native/ Bilingual
Arabic
Native/ Bilingual

Timeline

Senior Analyst Underwriting - Secured & Unsecured Lending

CIBC
01.2022 - Current

Mortgage Credit Manager

attijari bank
01.2014 - 01.2022

Bachelor's Degree - Business Economics

York University

Master's Degree - Marketing

ENCG Fes

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ANASS BELHACHEMI