Summary
Overview
Work History
Education
Skills
Timeline
Generic

Prabu Jeyarajan

Mississauga,ON

Summary

Results-driven professional with extensive experience in credit analysis, loan adjudication, and risk assessment. Demonstrated ability to exceed performance expectations while ensuring compliance with organizational policies. Expertise in data analysis and delivering tailored financial solutions enhances client satisfaction and drives team success.

Overview

19
19
years of professional experience

Work History

Fleet Credit Analyst

Daimler Truck Financial Services Canada Corporation
Mississauga, Ontario
04.2023 - Current

Analyzed financial statements to evaluate credit requests and ensure SLA compliance.

Determined creditworthiness by examining profitability, liquidity, and relevant financial ratios.

Presented detailed loan proposals and evaluations to credit committees for review.

Conducted annual assessments of customer credit risk based on financial statement analysis.

Negotiated loan terms directly with customers to align with business objectives.

Maintained non-performing loans under 2% through diligent portfolio monitoring.

Engaged with dealers and internal teams, such as finance managers, to improve processes.

Small Business Credit Analyst

Daimler Truck Financial Services Canada Corporation
Mississauga, Ontario
07.2021 - 03.2023

Evaluated creditworthiness of small businesses through financial statement analysis and credit bureau reviews.

Reviewed loan documentation for accuracy and completeness before approval.

Determined loan approval or denial by assessing individual and institutional credit profiles.

Identified fraudulent activities by comparing account information against established suspicious patterns.

Credit Investigator

Mercedes Benz Financial Services Canada Corporation
Mississauga, Ontario
01.2020 - 07.2021

Ensured accuracy and completeness of loan documentation prior to approval through thorough review.

Supported credit functions by performing credit analysis and administrative responsibilities.

Maintained organization by collecting necessary credit files and documents.

Delivered informative credit reports to management, highlighting key insights.

Discounter

Mercedes Benz Financial Services Canada Corporation
Mississauga, Ontario
09.2019 - 01.2020

Senior Credit Manager

Daimler Financial Services India Pvt Ltd
08.2012 - 06.2019

Reviewed loan applications and income statements to evaluate client creditworthiness.

Achieved 40% market share among Mercedes Benz customers through collaboration with business team.

Normalized accounts for delinquent customers, effectively reducing credit risk.

Directed Agile projects as Business Analyst, emphasizing requirements gathering and UAT execution.

Developed training programs for Sales Teams and Junior Analysts to increase cross-functional skills.

Fostered relationships with key credit bureaus: TransUnion, Experian, Equifax, and CRIF Highmark.

Credit Manager

ICICI Bank Ltd
08.2006 - 08.2012

Appraised credit applications for auto and personal loans by reviewing income and property statements.


Served as SOX Audit Location Attestor and Head for Retail Loans across multiple locations from 2007 to 2012.


Conducted compliance audits, hind-sighting audits, and internal audits for auto loans.


Collaborated with Sales, Field Investigation agencies, Risk Containment Unit, Dealers, and Operations teams to ensure smooth process flow.

Education

MBA - Finance

Pondicherry University
Pondicherry, India
05-2014

Bachelor of Technology - Industrial Biotechnology

Anna University
Coimbatore, India
05-2006

Skills

Credit risk analysis

Risk assessment and underwriting

Financial statement review

Collateral valuation

Credit decision making

Verbal and written communication

Timeline

Fleet Credit Analyst

Daimler Truck Financial Services Canada Corporation
04.2023 - Current

Small Business Credit Analyst

Daimler Truck Financial Services Canada Corporation
07.2021 - 03.2023

Credit Investigator

Mercedes Benz Financial Services Canada Corporation
01.2020 - 07.2021

Discounter

Mercedes Benz Financial Services Canada Corporation
09.2019 - 01.2020

Senior Credit Manager

Daimler Financial Services India Pvt Ltd
08.2012 - 06.2019

Credit Manager

ICICI Bank Ltd
08.2006 - 08.2012

MBA - Finance

Pondicherry University

Bachelor of Technology - Industrial Biotechnology

Anna University
Prabu Jeyarajan