Jithesh Thomas
Credit Operations Specialist
Summary
Credit professional skilled in risk assessment, financial analysis, and portfolio management. Proven track record of improving operational efficiency and ensuring regulatory compliance. Strong focus on team collaboration and delivering results by adapting to evolving business needs. Proficient in credit evaluation, data analysis, and customer relationship management, with reputation for reliability and flexibility.
Overview
10
10
years of professional experience
1
1
Certification
2
2
Languages
Work History
Credit Operations Specialist
Canadian Western Bank
01.2025 - Current
- Perform detailed analysis of customers and their businesses to determine affordability by reviewing credit histories and asset evaluations in line with company guidelines.
- Review Loan Advance Requests, ensuring precedent conditions are fully satisfied and loan documents are executed prior to funding.
- Utilize financial information to support analysis and administration of key processes, including margining calculations, trending analysis, financial covenant tracking, and completion of remedial actions.
- Oversee reporting and data analysis for compliance, margining, overdrafts, and special debt reporting.
- Develop and maintain spreadsheets to track calculations and portfolio performance for business banking clients.
- Review and maintain collateral documents, conducting periodic checks to confirm collateral risk is mitigated.
- Structure and document loan application analysis using the company's credit decisioning system.
- Monitor exceptions and overrides for proper documentation and timely resolution.
- Support underwriting and credit quality oversight for the business banking client base.
Customer Care Ambassador
Bank of Montreal
01.2024 - 01.2025
- Handled complex customer inquiries with a focus on fraud prevention and credit-related issues.
- Investigated fraudulent transactions, blocked compromised accounts, and ensured timely resolution.
- Delivered accurate account information and credit product guidance while ensuring compliance with regulations.
Loan Monitoring & Portfolio Management
Farevia Pvt. Ltd. NBFC (Banking)
01.2016 - 01.2023
- Assessed creditworthiness of loan applicants by analyzing financial statements and credit histories.
- Accurately scan loan documentation on a daily basis or as required.
- Conducted risk evaluations including sector-specific and regional analysis.
- Approve loans within specified limits, reject loans by explaining deficiencies to applicants, and refer loan applications outside of the specified limits to management for consideration.
- Negotiate payment arrangements with members who have delinquent loans.
- Managed credit documentation, including collateral records, account updates, and loan agreements.
Education
Post Graduate Diploma - Financial Management
Alliance University
01.2021
Bachelor of Arts - English
Annamalai University
01.2015
Skills
- Financial Analysis: Credit Risk Assessment, Loan Portfolio Management, Banking operations,Loan servicing & Loan processing
- Compliance & Risk: Regulatory Compliance, Collateral Review, Fraud Detection & Prevention
- Data & Reporting: Documentation review,Advanced Excel, Financial Modeling, Trend & Variance Analysis, Report Writing
Certification
Lean Six Sigma Green Belt
Timeline
Credit Operations Specialist
Canadian Western Bank
01.2025 - Current
Customer Care Ambassador
Bank of Montreal
01.2024 - 01.2025
Loan Monitoring & Portfolio Management
Farevia Pvt. Ltd. NBFC (Banking)
01.2016 - 01.2023
Bachelor of Arts - English
Annamalai University
Post Graduate Diploma - Financial Management
Alliance University