Badal Chawdhary
Toronto,ON
Summary
Reliable business professional with experience in project management, process improvement and financial analysis. Proven track record of successfully streamlining business operations and reducing costs. Adept at analyzing data to identify trends and developing strategies to improve efficiency. Possesses versatile skills in project management, problem-solving, and collaboration. Brings fresh perspective and strong commitment to quality and success. Recognized for adaptability and proactive approach in delivering effective solutions. Experienced leader with strong background in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, ensuring high standards, and aligning efforts with organizational goals. Known for collaborative approach and commitment to excellence. Results-oriented achiever with proven ability to exceed targets and drive success in fast-paced environments. Combines strategic thinking with hands-on experience to deliver impactful solutions and enhance organizational performance.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Corporate Finance Deal Specialist
BMO Bank of Montreal
09.2022 - Current
- Followed all company policies and procedures to deliver quality work.
- Improved customer satisfaction rates through proactive problem-solving and efficient complaint resolution.
- Collaborated with cross-functional teams to achieve project goals on time and within budget.
- Implemented new training programs for staff, leading to higher employee retention rates and better overall performance.
- Championed the adoption of new software tools that streamlined workflows across multiple departments.
- Improved team collaboration by initiating regular strategy meetings.
- Facilitated workshops for professional development of junior staff members.
- Increased efficiency by automating routine tasks with software solutions.
- Restructured customer service process, ensuring quicker response times.
- Developed training materials to enhance staff proficiency and productivity.
- Devised and implemented processes and procedures to streamline operations.
Regional Director, Funding Operations
BMO Bank of Montreal
08.2017 - 01.2021
- Streamlined operations for improved efficiency by evaluating existing processes and introducing innovative solutions.
- Motivated employees through effective communication, recognition programs, and tailored incentive structures that aligned with corporate objectives.
- Produced [Number] reports per week to analyze job performance against team goals.
- Served as a mentor to emerging leaders, sharing knowledge and expertise while fostering an environment of continuous learning and growth.
- Monitored staff performance by actively engaging in and observing day-to-day activities.
- Championed organizational culture change initiatives that fostered collaboration, innovation, and continuous improvement across all levels of the organization.
- Attended weekly meetings to discuss and optimize strategies.
- Implemented robust performance management systems to identify areas for improvement and support employee development.
- Collaborated with cross-functional teams to develop new products and services, meeting customer demands while driving revenue growth.
- Improved customer satisfaction ratings by developing initiatives focused on enhancing service quality and responsiveness.
- Delivered comprehensive training programs to build highly skilled teams capable of delivering on company goals and objectives.
- Spearheaded adoption of innovative technology solutions to streamline processes and improve customer service delivery.
- Optimized budget allocation, significantly reducing operational costs without compromising on service quality.
- Facilitated cross-functional team collaboration to tackle complex projects, ensuring timely and within-budget delivery.
- Enhanced team productivity by fostering collaborative work environment and implementing agile methodologies.
- Assisted in recruiting, hiring and training of team members.
- Trained and guided team members to maintain high productivity and performance metrics.
- Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
- Cultivated and strengthened lasting client relationships using strong issue resolution and dynamic communication skills.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Reduced operational risks while organizing data to forecast performance trends.
Manager, Commercial Lending Policy
BMO Bank of Montreal
10.2015 - 07.2017
- Maintained, updated, and developed a suite of new and existing commercial lending topics ensuring adherence to regulatory requirements.
- Managed operational, market and credit risk whilst identifying strategies to size and mitigate potential exposures, in conjunction with other Bank resources, business partners and stakeholders as required.
- Supported the development and maintenance of commercial lending procedures, documentation, training materials, marketing materials, compliance standards, and security.
- Functioned as Subject Matter Expert (SME) for the assigned policies and as key resource to address questions/escalations from the Line of Business, Risk and Audit.
- Accomplished multiple tasks within established timeframes.
- Cross-trained existing employees to maximize team agility and performance.
- Developed a strong company culture focused on employee engagement, collaboration, and continuous learning opportunities.
- Achieved departmental goals by developing and executing strategic plans and performance metrics.
- Streamlined workflows by identifying bottlenecks in existing systems and implementing appropriate solutions.
- Provided expert guidance to senior leadership on matters related to policy formulation and execution.
- Collaborated with stakeholders to develop sound policies addressing pressing concerns.
- Promoted a culture of continuous improvement within the organization through regular policy reviews and updates.
- Leveraged data-driven insights to inform evidence-based policymaking efforts across the organization.
- Coordinated communication strategies around key policies, ensuring consistent messaging throughout the organization.
- Conducted risk assessments on proposed policies, identifying potential challenges and mitigating factors early in the process.
- Developed strong relationships with external partners for collaboration on key policy initiatives.
- Enhanced policy development by conducting thorough research and analysis on relevant issues.
- Presented complex information in clear, concise language, simplifying decision-making processes for stakeholders involved in policy development.
- Streamlined policy implementation for improved organizational efficiency and effectiveness.
- Managed policy projects from inception to completion, meeting deadlines and achieving objectives.
- Evaluated the impact of existing policies on organizational goals, recommending necessary modifications.
- Formulated detailed recommendations based on audit findings to support annual planning and definition of goals.
Funding Specialist, Commercial Lending
BMO Bank of Montreal
07.2014 - 09.2015
- Enhanced loan processing efficiency by streamlining documentation and closing procedures.
- Exceeded company expectations for funded loans while maintaining a high level of quality control by diligently monitoring key performance indicators and adjusting strategies as needed.
- Improved customer satisfaction with timely communication regarding loan status updates and requirements.
- Facilitated smooth real estate transactions through diligent preparation of legal documents and disclosures.
- Streamlined internal processes for improved data integrity across multiple systems used within the organization''s workflow.
- Minimized errors in documentation by carefully analyzing all information provided by clients, brokers, and lenders.
- Reduced closing timeframes by effectively prioritizing tasks and collaborating with underwriters, processors, and title companies.
- Mitigated risk exposure for the company by consistently adhering to strict credit policy guidelines during the underwriting process.
- Managed a diverse portfolio of loans while maintaining excellent attention to detail in a fast-paced work environment.
- Expedited the loan funding process by working closely with escrow officers to coordinate wire transfers.
- Assisted management in developing new strategies aimed at improving overall team performance metrics related to funding volumes and turnaround times.
- Collaborated with internal departments to resolve any issues or discrepancies identified during the loan application review process promptly.
- Maintained high levels of accuracy in loan files by diligently reviewing documents for completeness prior to submission for final approval.
- Elevated team productivity by providing training for new employees on company policies, procedures, and software systems.
- Ensured seamless transition from initial application to closing by maintaining open lines of communication with all parties involved, including borrowers, real estate agents, and title companies.
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
- Collaborated with lenders, agents, and legal professionals to resolve transactional and title issues.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Reviewed and validated details of loan applications and closing documentation.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Affirmed loan document accuracy to protect lenders from potential fraud.
Manager of Operations, Commercial Lending
BMO Bank of Montreal
11.2011 - 07.2014
- Established positive and effective communication among unit staff and organization leadership, reducing miscommunications, and missed deadlines.
- Streamlined operational processes by implementing efficient workflow management strategies.
- Evaluated employee performance regularly, promoting professional growth opportunities through coaching methods.
- Enhanced team productivity by providing effective training programs and performance management systems.
- Directed resource allocation efforts, maximizing utilization of personnel, materials, and equipment resources for efficient operations management.
- Identified and resolved unauthorized, unsafe, or ineffective practices.
- Managed cross-functional teams for successful project completion and timely delivery.
- Collaborated with other department heads to align organizational goals and maximize efficiency across all departments.
- Mentored junior team members in their career progression pathing endeavors towards managerial roles within the company structure framework.
- Managed daily operations, ensuring smooth workflow and timely completion of tasks.
- Led team meetings to discuss performance metrics, fostering culture of continuous improvement and accountability.
- Developed training programs for new employees, ensuring high level of competence and quick adaptation to their roles.
- Streamlined communication between departments, enhancing collaboration and project outcomes.
- Streamlined project delivery by implementing agile methodologies, improving team agility and response to feedback.
- Improved team morale with regular feedback sessions and recognition of outstanding performance.
- Oversaw daily operations, ensuring all tasks were completed efficiently and to high standard.
- Enhanced operational efficiency by streamlining workflow processes and implementing new scheduling systems.
- Enhanced customer experience by refining service delivery processes, leading to repeat business and positive reviews.
- Analyzed and reported on key performance metrics to senior management.
- Developed and implemented strategies to maximize customer satisfaction.
- Directed initiatives to improve work environment, company culture or overall business strategy.
- Increased profit by streamlining operations.
- Assisted in recruiting, hiring and training of team members.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Trained and guided team members to maintain high productivity and performance metrics.
- Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
- Reported issues to higher management with great detail.
Portfolio Support Officer
BMO Bank of Montreal
06.2010 - 10.2011
- Provided transactional support to Mid-Market portfolios for the Toronto Portfolio Management Group via servicing, maintenance, monitoring and audit of commercial loan accounts and files for legal document preparation, funding, margins & covenants, PPSAs, Sec427 etc.
- Contributed ideas for improving the support process during team meetings, resulting in significant workflow enhancements.
- Balanced multiple priorities effectively by utilizing strong organizational skills and proactive task management techniques.
- Improved customer satisfaction by addressing and resolving support issues promptly and professionally.
- Facilitated seamless transitions during system upgrades or migrations through clear communication and user education efforts.
- Coached employees through day-to-day work and complex problems.
- Improved information collection and recordkeeping accuracy by creating, updating and managing customer communications.
- Reduced resolution time with thorough problem analysis and timely escalation to appropriate departments.
- Collaborated with cross-functional teams to resolve complex technical problems and deliver prompt solutions.
- Employed proven problem-solving techniques to resolve issues quickly and with minimal disruption.
Retail Sales Coordinator
BMO Bank of Montreal
10.2008 - 05.2010
- Provide high quality sales support to Financial Service Management Team for personal lending, investment and other suspense account activities using customer connect, optimizer, NCCS and CCAPS etc.
- Handled customer complaints professionally, resolving issues promptly and effectively.
- Developed long-term client relationships by providing exceptional follow-up services.
- Enhanced customer satisfaction through attentive service and product recommendations.
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
- Maintained accurate records of sales transactions and customer inquiries for future reference.
- Provided training and guidance to new employees, fostering a supportive team environment.
- Assisted customers in locating desired items, leading to increased sales and repeat business.
Bank Teller
BMO Bank of Montreal
08.2007 - 09.2008
- Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring seamless customer experience.
- Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Resolved customer issues promptly, fostering positive relationships between the bank and its clients.
- Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
- Built and strengthened customer relationships by leveraging excellent interpersonal and communication skills.
- Improved customer satisfaction by efficiently processing transactions and addressing account inquiries.
- Counted and packaged currency and coins.
- Provided exceptional customer service, resulting in increased client retention and loyalty.
- Provided customer records, account statements and copies of checks.
- Identified fraudulent activities by diligently monitoring transactions and reporting suspicious activity to management.
- Contributed to a welcoming branch environment by maintaining a clean and organized workspace for both staff members and customers alike.
- Educated customers on banking products, enabling them to make informed decisions about their finances.
Education
High School Diploma -
National Institute of Open Schooling
Mumbai, India 07.2005
Skills
Customer Relations
Expert Problem Solving
Documentation Management
Quality Assurance
Management collaboration
Root Cause Analysis
Teamwork and Collaboration
Attention to Detail
Multitasking Abilities
Excellent Communication
Accomplishments
BUSINESS PROJECT INITIATIVES & ACCOMPLISHMENTS
· 2022 - present: Change champion representing Commercial Lending operations to execute business process/automation and related changes, in collaboration with Business Integration team to drive changes and provide guidance to Line of Business partners.
· 2017-2019: Executed National funding strategy, a first in history of BMO Private Wealth Operations; championed as the change management leader facilitating regular training and feedback workshops in person & via remote.
· 2016-2017: Legal Document Verification Project- Vetted all existing bank legal forms, liaising with Project Manager, legal counsel, and internal business partners to make recommendations to obsolete and update legal and non-legal forms housed in bank form libraries.
· 2015-2016: BSM Project- Played pivotal role in remodeling and launch of the Small Business Project & launch, issue analysis and acted as main point of contact for Line of Business escalations.
· 2012-2014: Marshall and Ilsley Acquisition: Led teams to collaborate with US partners BMO Harris Bank at Naperville, Illinois and Milwaukee, Wisconsinto assist with the Acquisition Project leading up to successful conversion and post conversion examination activities.
· Winner of 15 Quarterly Best performer & 1 Annual Best of Best awardsfor fiscal years up to 2020.
· One of six national winners of ‘Proud to be Blue’ award, nominated by internal business partners, 2016.
Languages
English
Full Professional
Hindi
Native or Bilingual
Urdu
Professional Working
Punjabi
Limited Working
Persian
Limited Working
Bengali
Limited Working
Certification
- 2017-2018: Acquired Commercial Credit qualification via successful completion of accreditation levels 2 & 3 at required curriculums at BMO Institute for learning, Toronto.
- 2017-2018: Acquired Retail Credit qualification via successful completion of course curriculum at BMO Institute for learning, Toronto.
- 2014: Acquired Commercial Funding qualification including Real Estate funding and subsequently completed Commercial Credit adjudication Level 1 tier course(s) successfully, at BMO Institute for learning, Toronto.
- 2012-2013: Successful completion of LDP (Leadership Development Program) at BMO Institute for learning, Toronto.
- 2011-2013: Successful completion of Lean Sigma and agile workshops conducted at BMO Institute for learning, Toronto.
Timeline
Corporate Finance Deal Specialist
BMO Bank of Montreal
09.2022 - Current
Regional Director, Funding Operations
BMO Bank of Montreal
08.2017 - 01.2021
Manager, Commercial Lending Policy
BMO Bank of Montreal
10.2015 - 07.2017
Funding Specialist, Commercial Lending
BMO Bank of Montreal
07.2014 - 09.2015
Manager of Operations, Commercial Lending
BMO Bank of Montreal
11.2011 - 07.2014
Portfolio Support Officer
BMO Bank of Montreal
06.2010 - 10.2011
Retail Sales Coordinator
BMO Bank of Montreal
10.2008 - 05.2010
Bank Teller
BMO Bank of Montreal
08.2007 - 09.2008
High School Diploma -
National Institute of Open Schooling
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