Parmeena Dahiya
St. Catharines
Summary
Professional reviewer with high standard for quality and results. Reviewed diverse content, providing precise and valuable feedback to enhance overall quality. Known for strong team collaboration and adaptability to changing needs. Proficient in critical analysis and clear communication.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Credit Reviewer Brookfield - (EBM- Exception Based Monitoring) Portfolio Monitoring Group
US Bank
03.2022 - 06.2025
- Manage renewals, extensions, or modifications for various loan types (Conventional C&I -Commercial & Industrial, D&I – Dealers and Inventory, RE – Real Estate: - LOC, HELOC, BELOC, Revolving/non-revolving LOC, term loans).
- Perform credit analysis, including gathering and interpreting credit information on customers and portfolios.
- Input data into tracking/reporting systems and databases.
- Monitor accounts/portfolios to identify issues, maximize credit quality, and minimize risk.
- Set up and maintain analysis databases.
- Prepare and present credit reports for lending decisions.
- Experience with Salesforce/ncino, AFS, and HOGAN/mainframe software.
Treasurer of a large HOA in Milwaukee, Wisconsin
Waterford Square Condo’s
06.2018 - 04.2023
- Bank reconciliation, management accounting, internal control, financial planning, budgeting, and forecasting, financial reporting, financial reporting, auditing, cash management, invoicing, taxes, reserve assessments, general ledger, and fundraising.
- Budget Variance Analysis.
Assistant Manager
M/s SRS Ltd., Faridabad (Indian Domestic Co.)
07.2010 - 06.2012
- Oversaw daily operations related to accounting, accounts payable (A/P), and accounts receivable (A/R).
- Supervised the preparation and dissemination of internal financial statements and reports, ensuring the highest standards of quality, reliability, and accuracy.
- Administer the monthly closing procedures, including reconciliations and analysis of pertinent accounts.
- Coordinated the company's annual audit in collaboration with independent auditors.
- Develop and uphold the integrity of the financial reporting process and financial controls, including reporting to the Chief Marketing Officer (CMO).
- Handled team management responsibilities.
Financial Analyst (onshore credit decision/business banking team)
Bank of America
11.2008 - 06.2010
- Assessing the creditworthiness of corporate clients through ratio and trend analysis, balance sheet and income statement analysis in compliance with generally accepted accounting principles (GAAP), financial forecasting, and financial reporting.
- Prepared credit assessment reports for clients by extracting information from financial statements and other reports, then presenting these findings to client managers based in the USA to aid their business decisions and manage the risk rating scorecard.
- Advised client managers on areas of improvement based on their financial and operational performance, followed by forwarding related reports to client managers of their respective regions.
- Reviewed the business's cash generating ability through cash flow analysis to determine their repayment capacity.
- Communicated with portfolio managers and client managers in the US regarding financial statements or any other customer-specific information, assessments, and updates.
- Handled monthly data for training purposes, organizing various training sessions for the team to enhance their performance.
- Assumed the role of trainer for "Dairy Clients" and provided floor support.
- Successfully completed Higher Standard II training, which includes modules on money laundering, Six Sigma, and KYC.
- Utilized Moodys Software for necessary operations.
Internal Auditor
S. Sukhija & Associates, Delhi
07.2006 - 10.2008
- Company Overview: (Certified Accountant Firm)
- Conduct audits, review tax deductions, ensure statutory compliance, and finalize audits.
- Review bank reconciliation, procurement to payment, and sales to collection processes.
- Examined the GL account, assessing the system for employee costs and administrative tasks.
- Prepared audit schedules, ensuring compliance with company rules and statutory regulations.
Education
Master’s - business administration, commerce
Maharshi Dayanand University
11.2006
Skills
- Financial Analysis
- Credit Analysis
- Competitors Analysis
- Auditing
- Project Management
- Financial Projections
- Budgeting & Forecasting
- Variance Analysis
- General ledger
- Invoicing
- Cash management
- Operations Management
- Bank reconciliation
- Accruals
- Financial Management
- Asset Management
- Reserve Assessment
- Fundraising
- Strategic Management
- Management Accounting
- MS Office (MS Word, MS PowerPoint)
- Advanced MS Excel
- Tally 72
- Adaptability and flexibility
- Attention to detail
- Decision-making
- Accuracy and precision
- Team contribution
- Critical thinking
Accomplishments
- Supervised property manager,Accounting and administrative team to accomplish yearly budget goals.
Languages
English
Full Professional
Hindi
Native or Bilingual
Certification
- FIRREA - Real Estate Lending, Appraisals and Evaluations 2025
- Regulation V: FCRA Identity Theft and Red Flags 2025
- Fair Credit Reporting Act (FCRA) 2025
- European Data Protection and Privacy
- Elder and Vulnerable Adult Financial Exploitation Awareness & Prevention 2024
- Financial Modeling & Forecast Financial Statement Certificate Dec.2021
- LinkedIn Corporate Financial Analyst Certificate April 2020
- LinkedIn QuickBooks: Advanced Bookkeeping Techniques December 2021
- LinkedIn Excel for Accountant Certificate April 2020
- LinkedIn Swift Advance Excel Certificate from NIIT May 2013
- XBRL Certificate from WEBTEL ELECTROSOFT (P) Ltd December 2011
Timeline
Credit Reviewer Brookfield - (EBM- Exception Based Monitoring) Portfolio Monitoring Group
US Bank
03.2022 - 06.2025
Treasurer of a large HOA in Milwaukee, Wisconsin
Waterford Square Condo’s
06.2018 - 04.2023
Assistant Manager
M/s SRS Ltd., Faridabad (Indian Domestic Co.)
07.2010 - 06.2012
Financial Analyst (onshore credit decision/business banking team)
Bank of America
11.2008 - 06.2010
Internal Auditor
S. Sukhija & Associates, Delhi
07.2006 - 10.2008
Master’s - business administration, commerce
Maharshi Dayanand University
Education and Academic Credits
CBCA (Commercial Banking and Credit Analyst) Certification from CFI 2021
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