Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
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Deep Goraksha

Summary

Results-driven data professional with keen eye for detail and passion for uncovering actionable insights from data. Proven track record of utilizing data analysis and visualization tools to drive business decisions and optimize processes. Team-oriented with strong focus on collaboration and adaptability, consistently delivering reliable results in dynamic environments.

Overview

8
8
years of professional experience
1
1
Certification

Work History

Business Advisor

Bank Of Nova Scotia
02.2022 - Current
  • Researching the business client, competitive environment and potential challenges of the business operation.
  • Manages assigned credit transactions ensuring that the loan requests are being handled efficiently and processed in a timely manner, consistent with The Bank's standards.
  • Cultivating Centers of Influence (COIs) is an effective way to build existing client relationships, entertain new opportunities, and deliver a source of ongoing referrals to build a steady pipeline.
  • Manage assigned credit transactions ensuring that the loan requests are being handled efficiently and processed in a timely manner, consistent with the bank's standards.
  • Responsible for tracking, monitoring and reporting activity on loan applications and decisions, including maintaining a record of loan applications received and booked. Reviewing and analyzing business financial statements and personal financial statements and evaluating the strength and challenges of the business operation and management.
  • Implemented data-driven strategies, enhancing decision-making processes. Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Achieved a 95% client retention rate through exceptional service.
  • Cultivated strong client relationships, leading to 40% repeat business.
  • Adaptable and proficient in learning new concepts quickly and efficiently.
  • Led cross-functional teams in launching new products and promotional campaigns.

Credit Analyst

Fairstone Bank of Canada
10.2019 - 01.2022
  • Performed financial and personal due diligence of individual customers based in Canada, including sensitivity analysis of debt servicing ratios, product offering, covenant & conditions setting, security valuation, legal documentation and credit approval.
  • Successfully authored several credit proposals for high-net-worth individuals and others while staying within the parameters of risk appetite, policies and tolerance levels of the financial institution.
  • Acted as second line of defense for retail lending portfolio in order to assess creditworthiness of the borrower. Identified the customer's needs and provided the balanced product-mix through negotiations and facility structuring. Products include line of credit, second mortgages etc, up to $50,000.
  • Performed quality check on the assigned portfolio through covenant monitoring and compliance with loan agreement in order to identify deteriorating credit cases.
  • Developed and maintained exceptional customer relationship by structing the product to suite their requirements and addressing their queries in timely manner.
  • Collaborated with sales teams to enhance client credit profiles.
  • Presented findings to stakeholders, driving strategic decision-making.
  • Fostered strong relationships with clients, enhancing customer satisfaction.

Manager

Cash4You Corp
06.2017 - 10.2019
  • Accomplishment: Achiever of "WOW Award" within the first six months of joining for increasing the productivity by 50% through streamlining the process of preparing credit reports.
  • Developed training programs, elevating team productivity by 40%.
  • Analyzed market trends, driving innovative solutions that increased revenue.
  • Fostered a collaborative culture, enhancing team morale and engagement.
  • Utilized data-driven insights to optimize sales strategies and outcomes.

Education

MBA - Marketing, Financial Management & Cost Management

University of West London
01.2015

B.Com. - Accounts, Accounting, Auditing & Business Economics

University of Mumbai
01.2008

Skills

  • Business Development
  • Relationship Management
  • Credit Risk Analysis
  • Industry Research
  • Portfolio Management
  • Financial Statement Analysis

Accomplishments

  • Earned the Top 10 & Top 25 Quarterly award for 2 quarters in a row for 2025

Certification

Certificate in Small Business Banking (CSBB)- Moody's

Timeline

Business Advisor

Bank Of Nova Scotia
02.2022 - Current

Credit Analyst

Fairstone Bank of Canada
10.2019 - 01.2022

Manager

Cash4You Corp
06.2017 - 10.2019

B.Com. - Accounts, Accounting, Auditing & Business Economics

University of Mumbai

MBA - Marketing, Financial Management & Cost Management

University of West London

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Deep Goraksha