Fabin Vinoth
Etobicoke,ON
Summary
Dynamic and results-driven professional with over 11 years of experience in Financial Reporting, Credit Risk Management, and Investment Analysis. Expert in assessing the financial performance of retail and corporate accounts, managing credit portfolios, and driving asset recovery. Skilled in policy implementation, team leadership, and ensuring operational efficiency. Demonstrated success in enhancing revenue growth and profitability through strategic business development, relationship building, and exceptional client service.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Production Associate
GUELPH MANUFACTURING GROUP
Guelph, Ontario
04.2024 - Current
- Document daily production reports, track key performance metrics, and ensure data integrity.
- Worked in a structured, high-pressure environment, meeting deadlines while ensuring quality control.
- Focuses on data analysis, compliance, and documentation for a smooth transition into financial reporting.
Financial Reporting Analyst
KARUR VYSYA BANK LIMITED
KARUR, INDIA
11.2017 - 04.2022
- Prepare and generate financial reports on loan loss provisions and reserves for non-performing and stressed assets, ensuring compliance with regulatory standards.
- Performed data cleaning and pre-processing on external raw datasets related to Non-Performing Assets (NPAs) using MS Excel, Power BI, and SQL, ensuring data accuracy and integrity for reporting to stakeholders and senior management.
- Complied and submitted the Credit Information Report for Large Credit (CRILC) reports to the Reserve Bank of India (RBI) for accounts exceeding 50 million in sanctioned credit, ensuring compliance.
- Analyze loan impairment trends, and recommend adjustments to provisions and reserves, collaborating with risk management and credit departments to maintain accurate financial statements reflecting asset quality.
- Monitor and report on the performance of the credit portfolio, with a focus on non-performing and stressed assets, providing key insights to management.
- Conduct in-depth financial analysis to assess potential risks to asset quality, while evaluating the effectiveness of remedial actions, such as restructuring, recovery, and write-off strategies.
- Prepare risk-based reports assessing the impact of NPAs on the bank’s financial position, profitability, and capital adequacy, while collaborating with senior management to develop strategies for NPA reduction.
- Served as a Functional Coordinator and Business Analyst for the implementation of the Recovery Management System in the bank.
Credit Analyst
KARNATAKA BANK LIMITED
CHENNAI, INDIA
09.2011 - 11.2017
- Evaluate borrowers' financial health by analyzing financial statements, cash flow, and key ratios. Perform credit risk assessments to determine loan eligibility and exposure, utilizing scoring models and risk parameters.
- Assess credit risks associated with both fund-based and non-fund-based credit facilities, and provide support to financial institutions in relation to multiple and consortium arrangements.
- Tasked with building new business partnerships and increasing profitability by strengthening and expanding relationships with the current customer base.
- Responsible for preparing credit proposals, renewal notes, and managing the registration of mortgage deeds, along with overseeing other loan documentation processes.
- Conduct financial analysis and risk assessment, assess credit risk through credit scoring models, and adhere to regulatory compliance and credit review.
- Provided ad-hoc financial analysis and financial modeling to support business objectives.
- Assist with the Debt Recovery Tribunal in settlements, and facilitate conducting E-Auctions against mortgaged assets.
- Handled the retail branch operations, AML compliance, processing interest claims, transactions, and payment processing.
Executive Assistant
INDUSTRIAL DEVELOPMENT BANK OF INDIA (IDBI)
CHENNAI, INDIA
08.2010 - 09.2011
- Teller Executive – Managed cash counter operations, processed fund transfers, and analyzed corporate financial statements for reporting.
- Credit Administration Executive – Prepared Credit Monitoring Arrangement (CMA) reports, and handled loan documentation to support credit approvals.
Education
Post-Graduate Certificate - Business Analytics
CONESTOGA COLLEGE
Kitchener, ON12-2023
Post-Graduate Certificate - Financial Technology
Conestoga College
Kitchener, ON12-2022
MBA - Finance
Anna University
Coimbatore, India07-2009
Bachelor of Science - Computer Science
Bharathiar University
Coimbatore, India12-2005
Skills
- Financial analysis
- Credit risk assessment
- Financial reporting
- Data analysis
- Excel (Advanced)
- SQL and Power BI (intermediate)
- Transaction monitoring
- Credit assessment
- Loan processing and administration
- Problem-solving aptitude
- Debt restructuring
- Cash handling and management
- Data processing
- Risk management evaluation background
- Customer relationship management
- Claims processing
- Payment processing
- Anti-money laundering
- Financial regulatory compliance
- Compliance, banking laws, and regulations
Accomplishments
- Published research article: "GAP Analysis of Service Quality Expectations vs. Perceptions Among Gen Y Customers in B-Schools" – PSG Journal of Management
Certification
- Canadian Securities Course (CSC) Certification, Canadian Securities Institute, May 2024
- Certified Associate of Indian Institute of Bankers (CAIIB), IIBF, Dec 2014 – Specialization in Treasury Management
- Certified in SME, Corporate Banking, and Trade Finance, Indian Institute of Banking & Finance (IIBF)
- NCFM Financial Markets Beginners Module, NSE, INDIA.
References
References available upon request.
Timeline
Production Associate
GUELPH MANUFACTURING GROUP
04.2024 - Current
Financial Reporting Analyst
KARUR VYSYA BANK LIMITED
11.2017 - 04.2022
Credit Analyst
KARNATAKA BANK LIMITED
09.2011 - 11.2017
Executive Assistant
INDUSTRIAL DEVELOPMENT BANK OF INDIA (IDBI)
08.2010 - 09.2011
Post-Graduate Certificate - Business Analytics
CONESTOGA COLLEGE
Post-Graduate Certificate - Financial Technology
Conestoga College
MBA - Finance
Anna University
Bachelor of Science - Computer Science
Bharathiar University
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