Summary
Overview
Work History
Education
Skills
Certification
Professional Development
Timeline
Generic

MANPREET KAUR

Surrey,Canada

Summary

Dynamic underwriting professional with extensive experience at Intact Financial Corporation, excelling in credit and financial analysis, and at India ECA - Export Credit Guarantee Corporation. Proven track record of structuring customized trade credit insurance solutions, achieving over $200M in insured value. Strong communicator and collaborator, committed to process improvement and risk mitigation strategies, ensuring compliance and client satisfaction.

Overview

20
20
years of professional experience
1
1
Certification

Work History

PAYMENT SERVICES OFFICER

Service Canada (ESDC)
Vancouver, Canada
11.2023 - Current
  • Assessed client documents to determine eligibility for financial benefits and services.
  • Recommended actions for decision-making, considering policy guidelines, and mitigating risks for non-compliance.
  • Conducting due diligence while recommending the disbursement of government funds.
  • Assessed benefit applications of the client in light of program guidelines and government regulations.
  • Worked closely with finance officers to resolve complex applications.
  • Responsible for maintaining the case files of the clients and providing excellent customer service.

UNDERWRITER (LEVEL 2) – TRADE CREDIT

Intact Financial Corporation
, Canada
06.2022 - 10.2023
  • Underwrote trade credit insurance policies across various sectors after thorough analysis of buyer creditworthiness, financial statements and macroeconomic risk factors.
  • Assessed customer needs - credit requests, performed financial risk analysis and recommended credit limits, terms, and conditions based on company guidelines and risk appetite.
  • Closely worked with brokers, clients, and internal teams to provide customized insurance solutions.
  • Monitored client portfolios for emerging risks and recommended loss mitigation strategies.
  • Ensured compliance with underwriting guidelines and regulatory requirements.
  • Provide expert guidance on trade credit risk management and policy structures.
  • Participate in continuous process improvement initiatives to streamline operations.
  • Successfully underwrote over 150 trade credit insurance policies, with a total insured value exceeding $ 200 M.
  • Analyzed over 300 financial statements, ensuring 95% accuracy in determining buyer creditworthiness by applying strong financial analysis skills.

SENIOR MANAGER – TRADE CREDIT (BUYER UNDERWRITING & ECIB DEPARTMENT)

Export Credit Guarantee Corporation of India (ECGC)
Mumbai, India
05.2009 - 06.2022
  • Performed underwriting for buyer risk coverage and Export Credit Insurance for Banks (ECIB), supporting banks in extending credit to exporters.
  • Performed detailed financial risk assessments, including liquidity, leverage, competitiveness and market conditions analysis, to structure customized credit limits and insurance solutions.
  • Strengthened relationships with exporters and banks, providing expert guidance on ECGC policies, claims processes and credit risk mitigation.
  • Coordinated with Head Office to secure higher limits for high-risk buyers (e.g., Iran), ensuring timely approvals, client satisfaction and a superlative customer experience.
  • Stayed committed to continuous improvement, streamlining processes, to improve operational efficiency and reduce turnaround time for credit approvals.
  • Engaged with customers to conduct needs assessment, structure insurance coverage and assess counterparty credit worthiness to achieve the optimal balance between customer-centricity and ECGC’s business requirements.
  • Met with Exporters at Executive and Senior Leadership level to assess needs, determine and outline customized covers.
  • Conducted presentations and training for exporters, banks, and industry groups (EEPC, FIEO, DICCI) to enhance understanding of ECGC products and its financial services.
  • Managed legal, regulatory, and audit reporting, ensuring compliance and transparency.
  • Processed around 200 policy proposals, 150 limit notifications, and various limit approvals within tight deadlines.
  • Achieved 79.32% overall policy growth and exceeded the allotted target of 30% growth.
  • Successfully recovered ₹1.34 crore (about CAD 0.5 million) from a high-value client.
  • Reduced non-declaration ratio to 1%, ensuring accurate premium reconciliation with major banks, including State Bank of India (The largest Indian Bank).

RELATIONSHIP MANAGER

ICICI Bank
Punjab, India
07.2005 - 04.2009
  • Managed a commercial banking portfolio for clients with turnover ranging from $5M to $50M and financing needs of $500K to $10M.
  • Provided trade finance solutions- working capital loans and structured trade products.
  • Conducted detailed financial analysis considering industry trends to assess client creditworthiness and recommend working capital limits.
  • Provided excellent customer service to the business clients.

Education

Master of Business Administration (MBA) -

05.2005

Bachelor of Information Technology (BIT) -

05.2003

High School Diploma - Commerce (Accounting, Economics & Business Studies)

05.2000

Skills

  • Credit and financial analysis
  • Trade credit insurance
  • Export credit insurance
  • Policy structuring and limit setting
  • Customer relationship management
  • Collaboration skills
  • Claims handling and recovery strategies
  • Risk mitigation strategies
  • Compliance management
  • Process improvement initiatives
  • Underwriting proficiency
  • Financial systems expertise
  • Advanced Excel skills
  • Strong communication abilities
  • Negotiation skills
  • Problem-solving techniques

Certification

CITP

Professional Development

  • Certified International Trade Professional (CITP), 08/01/24
  • BC General Insurance License 1, 05/01/23
  • Member, Young Professional Initiative, Berne Union, 11/01/21
  • Training in Commercial Lending Bank Practices, 08/01/12
  • Training in Credit Analysis, 06/01/21

Timeline

PAYMENT SERVICES OFFICER

Service Canada (ESDC)
11.2023 - Current

UNDERWRITER (LEVEL 2) – TRADE CREDIT

Intact Financial Corporation
06.2022 - 10.2023

SENIOR MANAGER – TRADE CREDIT (BUYER UNDERWRITING & ECIB DEPARTMENT)

Export Credit Guarantee Corporation of India (ECGC)
05.2009 - 06.2022

RELATIONSHIP MANAGER

ICICI Bank
07.2005 - 04.2009

Master of Business Administration (MBA) -

Bachelor of Information Technology (BIT) -

High School Diploma - Commerce (Accounting, Economics & Business Studies)

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