Nishant Mehta
Credit Risk Analyst
Vancouver,BC
Work Preference
Summary
Account Management and Finance Professional with experience managing client portfolios across banking, fintech, and capital equipment finance. Strong in client relationship management, needs-based financial analysis, and risk assessment to support retention, growth, and long-term account value. CFA Level II Candidate.
Overview
4
4
Years of professional experience
4
4
Certification
3
3
Fluency in Languages
Work History
Account Manager
Ritchie Brothers
02.2025 - Current
- Analysed credit worthiness and approved $10 million+ in credit limits, balancing risk exposure with sales growth targets.
- Managed a portfolio of 200+ client accounts, ensuring timely collections, dispute resolution, and optimized cash flow.
- Collaborated with internal finance and credit teams to streamline deal structuring and ensure compliance with lending criteria.
Commerial Loan Analyst
Bank of Montreal, BMO
02.2024 - 07.2024
- Managed $280M commercial real estate portfolio, analyzing financials and credit risk for lending decisions.
- Prepared underwriting and loan documentation, reducing potential covenant breaches in 8% of accounts for senior approval
- Acted as primary borrower contact, coordinating cross-functionally for timely disbursements and strong client relationships.
Financial Analyst Co-op → Financial Advisor
Spring Financial
05.2022 - 12.2023
- Promoted for excellence in credit assessment, financial analysis, and portfolio management.
- Reviewed financials for 130+ clients, providing actionable credit and risk insights.
- Built cash-flow models and debt plans to improve repayment and credit profiles.
Education
Bachelor of Commerce - Finance and Entrepreneurship
University of British Columbia | Sauder School of Business
Vancouver12.2023
Skills
- Financial Statement Analysis
- Budgeting and Forecasting
- Credit and Risk Monitoring
- Microsoft Excel
Certification
- Salesforce: Administration Certification
- Bloomberg: Market concepts
- M&A Modelling: Microsoft
- Tennis Instructor: Tennis Canada
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
The real test is not whether you avoid this failure, because you won’t. It’s whether you let it harden or shame you into inaction, or whether you learn from it; whether you choose to persevere.
Barack Obama
Languages
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Gujarati
Bilingual or Proficient (C2)
Interests
Tennis
High-altitude mountaineering
Fitness
Volunteering and working with Non-Profits
Timeline
Account Manager
Ritchie Brothers
02.2025 - Current
Commerial Loan Analyst
Bank of Montreal, BMO
02.2024 - 07.2024
Financial Analyst Co-op → Financial Advisor
Spring Financial
05.2022 - 12.2023
Bachelor of Commerce - Finance and Entrepreneurship
University of British Columbia | Sauder School of Business