NICOLAS CORRERA
Varennes
Summary
Senior-level credit risk professional with extensive experience in credit underwriting, credit quality testing, and internal control assessment within large Canadian financial institutions. Proven ability to independently review credit decisions, assess compliance with credit policies, challenge risk ratings, and communicate audit findings to senior stakeholders. Brings strong foundational knowledge of credit risk fundamentals with demonstrated adaptability to new products and portfolios, including commercial and corporate lending environments.
Overview
9
9
years of professional experience
Work History
Underwriter III – Real-Estate Secured Lending
TD Canada Trust
07.2022 - Current
- Independently assessed borrower repayment capacity, risk drivers, and collateral strength for a broad range of secured credit products, within delegated discretionary lending limits.
- Applied structured credit judgment to approve or decline credit exposures in accordance with bank policy, risk appetite, and regulatory expectations.
- Reviewed and documented policy exceptions, including risk mitigants, escalation rationale, and approval appropriateness.
- Demonstrated expert knowledge of end-to-end credit adjudication processes, controls, and systems within a high-volume, risk-controlled environment.
- Regularly supported quality assurance and second-line review functions by responding to audit and compliance inquiries.
Business Control Analyst – RESL Credit Quality Testing
TD Canada Trust
02.2025 - 10.2025
- Performed end-to-end independent audits of real-estate secured lending credit files, assessing compliance with internal credit policies, risk frameworks, and governance standards.
- Evaluated underwriting quality, borrower risk analysis, collateral adequacy, risk ratings, and exception handling to identify control gaps and weaknesses in credit decisioning.
- Acted as a key audit contact for business and risk partners, communicating findings to senior management and providing clear remediation guidance.
- Contributed to enhancements of credit testing methodology, improving consistency, documentation quality, and audit defensibility.
Personal Banking Associate
TD Canada Trust
05.2021 - 07.2022
- Reviewed and processed personal loan and credit applications, ensuring adherence to credit policy, regulatory requirements, and internal controls.
- Evaluated client financial positions, debt capacity, and risk indicators to determine appropriate credit solutions.
- Built strong working relationships with internal partners and escalated complex cases as required.
Financial Advisor
Scotiabank
08.2019 - 05.2021
- Analyzed client financial situations, cash flow, and credit needs while ensuring compliance with regulatory and professional standards.
- Advised clients on lending and investment solutions, strengthening ability to communicate complex financial and risk concepts clearly.
- Supported mortgage lending activities by reviewing loan documentation and assisting home buyers through the credit process.
Fraud Analyst / Fraud Agent
Royal Bank of Canada
10.2017 - 07.2019
- Analyzed suspicious financial transactions and assessed fraud risk using investigative and analytical techniques.
- Applied sound judgment to determine appropriate escalation and resolution, contributing to strong risk mitigation outcomes.
- Developed strong attention to detail, documentation discipline, and decision defensibility – foundational skills for audit environments.
Customer Service Representative
Royal Bank of Canada
08.2016 - 10.2017
- Delivered consistent, compliant client service while adhering to bank policies and transaction controls.
- Developed foundational knowledge of banking operations and internal procedures.
Education
DES -
Rosemère High School
Post-secondary studies - Social Science, Sports Marketing & Management, Business
Skills
- Credit Risk Assessment & Governance
- Internal Audit & Credit Quality Testing
- Commercial & Real-Estate Secured Lending Fundamentals
- Credit Policy & Exception Management
- Risk Rating & Portfolio Quality Review
- Regulatory & Internal Compliance (OSFI-aligned)
- Stakeholder Communication & Audit Reporting
- Analytical Review of Financial Information
ADDITIONAL INFORMATION
- Strong written and verbal communication skills
- Proven ability to ramp up quickly in new credit and risk environments
- Eligible to work in Canada
- References available upon request
Languages
English
Native or Bilingual
French
Native or Bilingual
Timeline
Business Control Analyst – RESL Credit Quality Testing
TD Canada Trust
02.2025 - 10.2025
Underwriter III – Real-Estate Secured Lending
TD Canada Trust
07.2022 - Current
Personal Banking Associate
TD Canada Trust
05.2021 - 07.2022
Financial Advisor
Scotiabank
08.2019 - 05.2021
Fraud Analyst / Fraud Agent
Royal Bank of Canada
10.2017 - 07.2019
Customer Service Representative
Royal Bank of Canada
08.2016 - 10.2017
Post-secondary studies - Social Science, Sports Marketing & Management, Business
DES -
Rosemère High School