Dynamic and professional individual with 10 years of experience in Lending/Leasing operations management in Corporate banking industry. Hands on experience in loan operations ensuring regular interactions with all internal lending departments and external vendors for timely execution of corporate loans to deliver exceptional customer service. Certified in Six Sigma helping the organization to reduce risk and enhance operational resilience.
Hi, I’m
PARDEEP BHATIA
Scrum Master
Brampton,ON
Summary
Overview
15
years of professional experience
Work History
Vault Credit CorporationToronto, ON
Compliance Officer
02.2022 - Current
Job overview
- Managed practical action plans to respond to audit discoveries and compliance violations.
- Liaised with risk management, internal audit and employee services departments to direct compliance issues to appropriate channels for investigation and resolution.
- Implemented improvement initiatives and developed compliance testing program to monitor and identify gaps in new and existing practices.
- Identified potential areas of compliance vulnerability and risk to develop and implement corrective action plans.
- Gathered, organized and evaluated data to make accurate assessments of current operations.
- Wrote and presented reports outlining findings and recommendations from compliance audits.
- Prepared training programs to improve compliance at all levels.
De Lage Landen Financial ServicesOakville
Contract Administrator
09.2019 - 01.2022
Job overview
- Leasing & Equipment Finance
- Audited, approved and funded a monthly average of $20 million in new businesses, most within my signing authority, being 100% responsible and accountable for it's accuracy
- Liase with Credit Underwriters, Program Manager and Vendors/Customers to Ensure that all lease and loan security documentation is accurately completed, consistent with credit requirements
- Responsible for complete booking of transaction in front end system (Rapport) and (Infolease)
- Responsible for funding of each invoice within each transaction and providing wire confirmation to vendor once complete
- Ensure proper security registration (PPSA) is in place so that all transactions are properly executed at the client level, enforceable and binding to the corporation
- Work with internal counsel, clients, insurance brokers and vendors in the negotiation and preparation of documentation
- Responsible for exercising adherence to, credit authorizations, pricing and corporate policies to ensure the accurate completion of documentations (including calculation of T Value) while meeting customer expected disbursement timing commitments
- Developed and improved new SOP's to transition working in the office to remote working
- Trained, led and developed the new members of the team.
3i Infotech Pvt. Ltd
Senior Business Analyst
03.2019 - 05.2019
Job overview
- Lending Platform Development
- Worked with client's Senior Management team to design commercial lending platform as per client's specific requirements
- Designed special loan repayment schedule on excel as per to vision of Managing Director
- Responsible for collection and interpretation of data from different departments within an organization
- Process mapping, designing and documenting the crucial business processes
- Support in developing enhanced programs/system to improve efficiency in daily operation of credit processing.
OakNorth Global Pvt. Ltd, OakNorth, UK
Credit Operations Manager
04.2017 - 02.2019
Job overview
- Commercial Lending Operations
- Managed a team of 5 people
- Analyze performance results and implement division improvements
- Coordinate and plan capacity, and assign work for staff
- Interface with varying levels of management, clients and staff
- Perform performance reviews for direct reports
- Complete review of credit paper, sanction authorities comments to check the deal economics are correct and the detailed review of Loan agreement to make sure that terms matches with credit approval
- Highlight in case of variance and request for the approvals on the same
- Connect with external property valuation firms for initial property inspection & valuation report and project monitoring surveyors for project monitoring reports and external solicitors to finalize the legal loan documents and chase for the fully executed loan documents
- Complete setup of new Loans which involves end to end loan booking, and related entities records creation, loan record creation by adding all terms of the Loan agreement and responsible for funding to client & other fee invoices
- Complete review of fully executed facility, security and other legal documents as per the execution criteria to ensure that all lease and loan security documentation is accurately completed, consistent with credit requirements and flagging to legal any discrepancy not covered by the data provided by the legal
- Responsible for Loan maintenance operations including funding, accounting, Loan modification, loan maturities, extensions and renewals, Rate fixing notices as per change in LIBOR, loan servicing, refinancing and restructuring of the loan and closure of loan accounts.
Barclays Shared Services, Barclays Bank
Sr. Analyst
08.2013 - 03.2017
Job overview
- Corporate Banking (Commercial Lending Operations)
- Connect with internal Loan departments (Loan officer, Credit, Legal and Technical) for regular follow up on pending information, approvals or documents for timely processing of corporate Loans
- Creation of lending and collateral documents for the Customers (Ex
- Term Loan, Overdraft, Revolving Credit Facility and Letter of Credit etc
- Responsible for Loan maintenance operations including funding, accounting, reconciliation, Loan modification, Rate fixing notices as per change in LIBOR, loan servicing, refinancing and restructuring of the loan and closure of loan accounts
- Completing control checks and supporting the center in minimizing and mitigating all Risks and escalate any Risk Event as appropriate
- Responsible for auditing loans and handling escalations at different levels on Loans processed by associates for lending process under Corporate Lending.
BA Continuum India Pvt. Ltd, Bank of America
Sr. Team Member
05.2010 - 07.2013
Job overview
- US Mortgage Operations
- Worked as subject matter expert for pre Mortgage underwriting process
- Responsible for reviewing income type and details of the customer and ordering Tax Transcript (1040/W2) from Internal Revenue Services (IRS) Department for income proof
- Responsible for reviewing Point of sale documents like Income, asset documents, schedule of real estate owned etc
- To accelerate the loan initiation process
- Audited loans processed by associates for Pre Mortgage underwriting process under Home Loans & Fulfillment
- Handled escalations received from the Mortgage Loan Officers and Home Service Specialists (Onshore Site) on the loans processes.
Education
Panjab University
Bachelor of Computer Applications (Canadian
06.2009
University Overview
CMJ University
Master from Business Administration
06.2012
University Overview
International Academy of Certification And Trainin
Six Sigma Green Belt Certification
2017
University Overview
Skills
- Strong Organizational Skills
- Operations Management
- Proficient in
- MS Office and Outlook
- Ability to learn new things quickly
- Strong Attention to Detail Good Interpersonal skills Excellent problem solving skills Customer Service
- Risk Identification
- Corrective Action Planning
- Operational Efficiency
Timeline
Compliance Officer
Vault Credit Corporation
02.2022 - Current
Contract Administrator
De Lage Landen Financial Services
09.2019 - 01.2022
Senior Business Analyst
3i Infotech Pvt. Ltd
03.2019 - 05.2019
Credit Operations Manager
OakNorth Global Pvt. Ltd, OakNorth
04.2017 - 02.2019
Sr. Analyst
Barclays Shared Services, Barclays Bank
08.2013 - 03.2017
Sr. Team Member
BA Continuum India Pvt. Ltd, Bank of America
05.2010 - 07.2013
Panjab University
Bachelor of Computer Applications (Canadian
CMJ University
Master from Business Administration
International Academy of Certification And Trainin
Six Sigma Green Belt Certification
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