Nithya Arunkumar

• Lead credit adjudication for commercial retail and lease acquisitions across Canada, ensuring decisions align with defined Limits of Authority and compliance with global and local policies.
• Supervise and mentor a team of credit analysts, fostering professional development and maintaining consistency and integrity in credit decisioning.
• Conduct financial reviews and credit assessments for large fleet customers, collaborating with Sales Teams and Corporate Clients to structure optimal credit packages.
• Drive operational efficiency by implementing process improvements and tracking performance against KPIs.
• Maintain strong relationships with Dealer Finance Managers and the DTF Sales Team to support portfolio growth and optimize dealer performance.
• Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.

• Manage high-value truck dealer network, analyze credit requests, and review financial statements. Conduct analysis to recommend credit lines including cap loans, commercial real estate loans, and preparing detailed reports.

• Presented recommendations to senior management and credit committees.

• Issued written approvals for loans, including modifications and restructurings.

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• Foster relationships with Dealer Finance Managers and optimize dealer performance.

• Conduct monthly account maintenance and ensure compliance with credit policies.

• Deliver responsive service to dealership partners, resolving queries promptly and professionally.

• Collaborated with cross-functional teams to implement best practices and optimize workflows.

• Analyzed credit applications to assess risk and made decisions on corporate credit requests per established policies.

• Collaborated with sales teams to align financing options with customer needs.

• Reviewed financial statements and conducted analyses to recommend credit lines and commercial real estate loans, preparing detailed reports.

• Presented recommendations to senior management and credit committees.

• Issued written approvals for loans, including modifications and restructurings.

• Managed a portfolio of large fleet customers, keeping delinquencies below target and provided insights on credit decisions during reviews of default cases leading to repossession.

• Monitored application processes and collaborated with dealer finance managers to address incomplete submissions, while also mentoring junior team members and ensuring compliance with policies.

• Supported the Credit Manager and contributed to monthly reporting.

• Monitored industry trends and economic factors impacting credit decisions.

• Reviewed, booked, and funded retail and lease contracts for truck dealerships, ensuring accuracy and compliance with credit approvals and internal policies.
• Verified all documentation and insurance coverage prior to funding, maintaining adherence to provincial consumer protection legislation and procedural requirements.
• Managed intake and processing of new business contracts, ensuring imaging and documentation standards were met.
• Obtained appropriate authorizations for funding exceptions and ensured timely resolution of pending or missing items from dealerships.
• Investigated and reconciled monetary transactions related to booking, funding, and volume bonus incentives, ensuring accurate dealer payments and assisting with fund reconciliation.
• Acted as a key point of contact for dealership queries, Dealer Relationship Managers (DRMs), and internal departments, providing prompt and effective resolutions.
• Worked cross-functionally with multiple departments to address funding-related inquiries and develop solutions for unique scenarios.
• Participated in internal and external financial risk audits, ensuring documentation and processes met audit standards.
• Supported User Acceptance Testing (UAT) for funding and point-of-sale applications, contributing to system enhancements and process alignment.
• Demonstrated strong multitasking and prioritization skills to meet tight deadlines in a high-volume environment.