Priya Chotrani
Mississauga,ON
Summary
Strategic Business Banking Relationship Manager with over 15 years of expertise in medium and large business lending. Adept at driving sales and delivering tailored business banking solutions. Proficient in communication and negotiation, collaborating effectively with Clients, Management, and Credit to efficiently structure and finalize credit deals. Skilled in leveraging expert networking to identify new business opportunities and drive successful cross-selling initiatives. Maintains a 'trusted advisor' status with clients, cultivating enduring relationships. Demonstrated success in optimizing portfolios and contributing significantly to organizational success.
Overview
24
24
years of professional experience
Work History
Owner/Director-Business Relationship Management
Right At Home Canada, Home Health Care
Mississauga , Canada
12.2019 - Current
- Demonstrating a highly motivated entrepreneurial mindset, I successfully propelled the growth of my company towards a remarkable 250% revenue growth and a notable 120% in profitability over a 2-year framework
- Cultivated and nurtured a diverse network of referral sources, including physicians, occupational therapists, lawyers, retirement homes, and hospitals, resulting in a 30% increase in new business leads, 10+ key partnerships and 30+ corporate/private customer relationships
- Streamlined operational processes to optimize efficiency and enhance customer experience, resulting in a 40% reduction in customer complaints and a 25% increase in customer satisfaction ratings
- Strategic business planning by developing sales forecasts and targets for 1 year, 3 year and 5 year timeframes
- Conducted comprehensive review and analysis of corporate contracts, meticulously verifying accuracy of price, legal terms and other conditions; identified and rectified discrepancies, ensuring compliance and minimizing financial risk
- Effective recruitment and management of 60+ care team members, leveraging on their strengths and potential, focused training & development and meticulous tracking of performance metrics and KPIs resulting in a 30% improvement in care delivery and a 20% increase in customer retention, resulting 40% improvement in team efficiency, 30% increase in employee satisfaction and a 25% boost in productivity.
Business Banking Relationship Manager
Commercial Bank of Qatar
Doha , Qatar
12.2010 - 12.2019
- Client Prospecting: Actively prospected and networked to expand the client base, fostering a robust pipeline of new clients for business banking services.
- Client Retention: Maintained strong client relationships and loyalty, delivering superior customer service through regular high-touch interactions with key decision-makers.
- Client Acquisition: Successfully grew the assigned portfolio from $0.5 billion to $1.5 billion, bringing in 15+ new clients through targeted acquisition strategies.
- Value-Added Services: Proactively provided value-added services, offering well-informed financial advice, and collaborating with clients to identify opportunities for enhancing services and products that would benefit them.
- Comprehensive Portfolio Management: Efficiently managed and cultivated a diverse portfolio of client accounts, covering various sectors such as Trading, Contracting, Services, and Real Estate. Oversaw the complete portfolio lifecycle, including origination (KYC), credit approvals, documentation, monitoring, cash management, and compliance.
- Portfolio Growth: Achieved an annual portfolio growth of 20%, with a focus on adding 3-4 high-quality relationships, each with an average credit facility size ranging from $50-100 million.
- Credit Deal Structuring: Collaborated with the commercial credit team to adeptly structure every credit deal, utilizing risk assessment skills to establish effective measures, protocols, and structures while maintaining a careful balance between risk and reward.
- Risk Management: Meticulously monitored past dues, temporary accommodations, excesses over limits, documentation shortfalls, and non-performing assets. Proposed remedial solutions and regularized issues through appropriate strategies and restructuring plans.
- Account Regularization: Successfully converted two major accounts from non-performing assets to regular healthy accounts.
- Wallet Share Maximization: Maximized wallet share through strategic sales activities, promoting low-cost deposits, high-cost deposits, cash management services, and cross-selling products like FX, POS income, corporate credit cards, and employee accounts.
- Performance Targets: Achieved targets and KPIs in asset growth, customer growth, low-cost deposits, high-cost deposits, and cross-sell products, aligning with the bank's overall growth strategy.
- Compliance: Ensured adherence to banks' policies, regulatory requirements, and compliance standards, conducting daily assessments, particularly in areas such as AML governance.
- Reporting: Generated comprehensive reports on portfolio performance, delinquency rates, and other relevant metrics for management review.
- Team Guidance: Oriented, guided, and mentored new and junior team members through coaching, contributing to their professional development.
Credit Risk Analyst
First Gulf Bank
Dubai , United Arab Emirates
11.2007 - 03.2009
- Conducted thorough financial analyses and underwriting on business facility applicants, reviewing income statements, balance sheets, cash flow statements, and other relevant financial and non financial documentation.
- Assessed credit risk by analyzing credit reports, evaluating payment history, and identifying potential risks associated with business clients.
- Collaborated with loan officers to structure credit deals for business clients, ensuring terms, conditions, and collateral requirements aligned with the bank's policies.
- Ensured accuracy and completeness of loan documentation, verifying compliance with regulatory requirements and internal policies.
- Ensured strict adherence to credit policies, guidelines, and regulatory requirements, contributing insights to enhance credit policies when necessary.
- Communicated with business clients to gather additional information, clarify financial details, and explain lending decisions.
- Presented comprehensive findings and credit recommendations to the credit committee, providing a detailed analysis of each business loan application.
- Monitored the financial performance of existing business clients, identifying any signs of financial distress or default risk.
- Generated reports on the business credit portfolio's performance, delinquency rates, and other relevant metrics for management review.
- Collaborated with loan officers and management to ensure seamless credit processes and decisions.
Assistant Relationship Manager
BNP Paribas Dubai
Dubai , United Arab Emirates
04.2006 - 09.2007
- Handled client correspondence, including emails and phone calls, promptly addressing inquiries, and providing necessary information.
- Provided support in sales activities, such as gathering necessary information for pitches, client research, and preparation of prospect and client files.
- Supported the Relationship Manager in maintaining a well-organized pipeline of client interactions, prospects, and follow-ups.
- Assisted in monitoring the portfolio's health, tracking past dues, temporary accommodations, excesses over limits, and documentation shortfalls.
- Collaborated in identifying cross-selling opportunities, including low-cost deposits, cash management services, and other banking products.
- Assisted in the onboarding process for new clients, ensuring all necessary documentation and compliance requirements were met.
- Assisted in the preparation and organization of client documentation, ensuring accuracy and completeness for various banking transactions.
- Acted as a liaison between the Relationship Manager and internal teams, facilitating smooth communication with departments such as KYC, Credit, and ALM.
- Recorded and summarized key points from client meetings, ensuring comprehensive documentation for future reference.
- Ensured adherence to the bank's policies and regulatory requirements in daily activities, particularly in areas like AML governance and compliance.
- Supported the preparation of reports related to portfolio performance, client interactions, and compliance metrics for management review.
Financial Analyst
The World Bank
Chennai , India
09.2003 - 05.2005
- Corresponding with the World Bank Headquarters, budget officers and task managers and UNDP Treasury Department to provide processing status as well as address issues on disputed charges and funding
- Leveraged strong communication and coordination skills to facilitate productive engagement with the World Bank Headquarters, budget officers, and task managers, effectively managing inquiries, providing essential updates, and resolving issues, ensuring alignment and successful project outcomes
- Established proactive communication channels with the World Bank Headquarters, budget officers, and task managers to promptly address concerns, mitigate risks, and ensure timely resolution of funding issues, enabling seamless project implementation and minimizing disruptions
- Collaborated closely with the UNDP Treasury Department to facilitate effective communication and resolution of financial discrepancies, ensuring accurate financial reporting and optimal utilization of funds for developmental initiatives
- Corresponded with the World Bank Headquarters, budget officers, and task managers to provide timely processing status updates, address issues on disputed charges, and ensure proper funding allocation, ensuring smooth project execution and compliance
- Review and analysis of the financial data through SAP R/3 generated reports and providing continuous support and guidance on SAP and Policy related issues to the Country Offices of the World Bank
- Objective evaluation of the accounting controls prevalent in the country offices through review of SAP R/3 generated reports for the purpose of financial performance evaluation and reporting the same in the form of Scorecards
- Preparation of monthly MIS reports on the above activities for middle and top management review.
Accounts Assistant
TAG Systems India
, India
12.1999 - 12.2002
- Maintenance of Books of Accounts, Finalization and preparation of Statement of Accounts
- Debtors classification and Inventory valuation
- Preparation of Funds Flow and Cash Flow statements, coordinating with Auditors for audit.
Education
Master of Business Administration and Finance -
Symbiosis Institute of Management Studies India
Bachelor of Business Administration -
Madras University - Chennai, India
Skills
- Strategic Business Development through identification of key priorities and opportunities
- Effective Portfolio Management
- Sound Knowledge in Business Banking Funded, Unfunded and Cross sell products
- Proficient in Credit Deal Structuring for Service, Trade, Contracting and Real Estate Companies
- Networking and Collaboration
- Negotiation & Persuasion
- Market Intelligence and Analytics
- Collaborative Team Player
- Strong experience with customer sales and service
- Technical proficiency gained through education and/or business experience
- In-depth verbal & written communication skills
- Solution oriented problem solving skills
Timeline
Owner/Director-Business Relationship Management
Right At Home Canada, Home Health Care
12.2019 - Current
Business Banking Relationship Manager
Commercial Bank of Qatar
12.2010 - 12.2019
Credit Risk Analyst
First Gulf Bank
11.2007 - 03.2009
Assistant Relationship Manager
BNP Paribas Dubai
04.2006 - 09.2007
Financial Analyst
The World Bank
09.2003 - 05.2005
Accounts Assistant
TAG Systems India
12.1999 - 12.2002
Master of Business Administration and Finance -
Symbiosis Institute of Management Studies India
Bachelor of Business Administration -
Madras University - Chennai, India
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