Summary
Overview
Work History
Education
Skills
Accomplishments
Websites
Languages
Certification
Timeline
Generic

Bilal Jouni

Oakville,Canada

Summary

Strategic and detail-oriented finance professional with over 10 years of experience across business banking, risk management, credit analysis, and derivative products. Proven expertise in adjudicating credit transactions, financial statement analysis, policy development, and underwriting complex credit structures for both commercial entities and high-net-worth individuals. Adept at navigating regulatory requirements, enhancing portfolio quality, and collaborating with cross-functional teams to deliver sustainable loan growth and mitigate credit risk.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Senior Financial Analyst

TD Securities
07.2022 - 03.2025
  • Reviewed and reconciled daily trading activity between front-office and middle-office systems, ensuring accurate P&L and eliminating ~$2M in annual trade discrepancies.
  • Automated trade break reporting process, reducing resolution time by 40% and ensuring timely correction of credit exposures.
  • Provided technical insights to support risk decisions, aligning trade and position data with regulatory requirements under IFRS 9.
  • Partnered with credit and compliance teams to evaluate trade structures, counterparties, and exposure terms.
  • Contributed to internal audits and credit policy updates based on shifting market and regulatory conditions.

Finance Manager

Urbie Inc.
03.2019 - 06.2022
  • Structured and reviewed lending terms for recurring-revenue customers and investor-backed programs, contributing to 18% increase in loan-qualified applicants.
  • Cut financial reporting time by 30% through automation, improving underwriting speed and credit decision turnaround.
  • Led evaluation of financial health across vendor and partner portfolios, including cash flow, coverage ratios, and capital adequacy.
  • Reviewed and approved internal credit terms and drawdown requests based on collateral value and repayment risk.
  • Developed financial models to support pricing decisions and new credit program design.

Senior Financial Analyst

BMO Capital Markets
02.2017 - 03.2019
  • Assessed issuer financials, investment statements, and tax documents to support pricing and credit decisions on structured lending products.
  • Improved accuracy of vendor and internal pricing models, supporting the adjudication of transactions tied to investment collateral.
  • Worked with internal partners to write concise reports and credit memos explaining pricing rationale and approval conditions.
  • Enhanced internal review process by aligning deal structures with credit appetite and capital constraints.
  • Contributed to annual policy updates through market condition monitoring and regulatory reviews.

Financial Analyst

RBC Capital Markets
02.2013 - 02.2017
  • Oversaw credit and collateral management of daily derivative positions, ensuring adequate coverage and risk control for hedged trades.
  • Maintained >98% accuracy in derivative valuation and NAV reporting, used by senior fund accounting and credit teams.
  • Investigated draw and settlement requests, confirming terms aligned with margin and legal guidelines.
  • Managed communication between booking and custody systems, minimizing credit risk caused by operational breaks.
  • Authored process documentation and workflows that reduced onboarding time and clarified escalation procedures.

Education

BBA - Finance

York University
Toronto, ON
06-2012

Skills

  • Credit Adjudication & Risk Decisioning
  • Investment & Insurance-Backed Credit Analysis
  • Financial Statement & Covenant Analysis
  • Commitment Letter Review & Legal Coordination
  • Regulatory Alignment (OSFI, FSRA, IFRS 9)
  • Strategic Portfolio Oversight
  • Credit Memo Writing & Executive Briefing
  • MS Excel, Credit Systems, Financial Modeling

Accomplishments

  • Reconciled front-to-middle office derivatives trades at TD Bank, uncovering ~$2M in trade discrepancies and improving reporting reliability.
  • Automated financial close and reporting workflows at Urbie Inc., reducing month-end closing time by 3 business days and enhancing decision speed.
  • Supported adjudication and risk evaluation of investment-collateralized lending products at BMO, preventing mispricing on over $500M in structured notes.
  • Maintained 98%+ accuracy in NAV reporting and daily MTM valuation of derivatives at RBC, contributing to audit readiness and fund compliance.

Languages

English
Native or Bilingual
French
Elementary

Certification

  • Certified Scrum Product Owner, Scrum Alliance - March 2025
  • SQL Certified, Udemy - March 2025
  • Advanced Excel Certified, Udemy, May 2025
  • Python Programming Certified, Udemy, May 2025

Timeline

Senior Financial Analyst

TD Securities
07.2022 - 03.2025

Finance Manager

Urbie Inc.
03.2019 - 06.2022

Senior Financial Analyst

BMO Capital Markets
02.2017 - 03.2019

Financial Analyst

RBC Capital Markets
02.2013 - 02.2017

BBA - Finance

York University

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Bilal Jouni