Lubhansh Kohli
St. Catharines,Ontario
Summary
Experienced with loan analysis, credit risk assessment, and financial documentation. Utilizes analytical skills to ensure accurate and thorough evaluations. Knowledge of industry regulations and best practices, ensuring compliance and operational excellence.
Overview
5
5
years of professional experience
2
2
Languages
Work History
Loan Analyst
Empirical Capital Corp.
North York , ON
05.2025 - Current
- Managed a $450MM loan portfolio, ensuring full compliance with mortgage terms and delivering timely investor reporting through advanced loan administration software.
- Processed and reconciled monthly loan billings, creating and reviewing EFT payment files to achieve 100% on-time collections and minimize billing errors.
- Prepared detailed internal financial reports, including interest worksheets, collection summaries, distribution schedules, and reserve balance analyses, improving reporting turnaround by 25%.
- Enhanced borrower relations by proactively communicating interest dues, upcoming maturities, and reserve replenishment requirements, reducing delinquencies.
- Maintained and strengthened investor relationships by managing communications and providing accurate updates to 137 investors.
- Supported underwriting of 25+ loans valued over $200M, contributing to due diligence, document preparation, and risk assessments to expedite deal closures.
Business Analyst Intern
Ontario Ministry of Transportation
St. Catharines, Ontario
09.2023 - 04.2024
- Executed data analysis & market research on engineer turnover data using MS Excel & Power BI, focusing on salary comparisons, turnover types, and workload balance, leading to a 21% reduction in turnover rate.
- Transitioned the ministry from its current organization-charting software to MS Visio, creating detailed instructions and user manuals to elevate organizational charting capabilities.
- Conducted database & dashboard analysis and provided strategic HR and rewards consulting to senior management; this initiative led to identification of key performance indicators, raising employee engagement scores by 20% within six months.
- Led a multi-phase Vacancy & Position Management Project essential for facilitating effective workforce planning within budgeted allocations and FTE caps, resulting in elimination of 462 vacant positions and showcasing strong analytical skills.
Accounting Intern
J Jain & Co. Chartered Accountants
Raipur , India
11.2020 - 03.2021
- Developed detailed Balance Sheet and P&L analyses using Sage 50 accounting software, improving tax compliance and operational efficiency by 7%.
- Led S&OP and global forecasting, collaborating with cross-functional teams for accurate financial modelling, strategic decision-making, and ensuring compliance with financial standards.
- Leveraged expertise in Financial Planning & Analysis, Auditing, and Reconciliation to reconcile financial statements in Excel, ensuring IFRS, GAAP, and ASPE compliance while delivering high-quality service.
- Gained hands-on experience with various accounting software programs such as QuickBooks, Excel, and Sage, enhancing overall efficiency in daily tasks.
Education
BBA - Accounting, Minor: Economics
Goodman School of Business – Brock University
St. Catharines, ON 05.2001 -
Skills
Loan underwriting
Microsoft Excel
Documentation review
Financial statement analysis
Portfolio management
Credit analysis
Loan servicing
Customer relations
LEADERSHIP EXPERIENCE
Goodman Business Students' Association - Director of Human Resources
St. Catharines, ON
09/23 - 07/24
- Provided end-to-end support with the recruitment process, including sourcing candidates, scheduling and conducting interviews, and coordinating onboarding activities for all 12 member clubs and over 50 student members.
- Developed and implemented a comprehensive employee engagement program, resulting in a 25% increase in member satisfaction and retention.
- Led conflict resolution initiatives and facilitated Diversity, Equity, and Inclusion (DEI) workshops, fostering a collaborative and inclusive organizational culture.
Timeline
Loan Analyst
Empirical Capital Corp.
05.2025 - Current
Business Analyst Intern
Ontario Ministry of Transportation
09.2023 - 04.2024
Accounting Intern
J Jain & Co. Chartered Accountants
11.2020 - 03.2021
BBA - Accounting, Minor: Economics
Goodman School of Business – Brock University
05.2001 -