Ravinder Bagry
Delta,BC
Summary
Knowledgeable professional with several years of experience bringing planning and problem-solving abilities. Focused on maximizing resource utilization to support scalable operations and increase bottom-line profitability. Organized and systematic with natural relationship-building and leadership talents.
Overview
17
17
years of professional experience
Work History
Operations Manager
Red Cardinal Homes Inc
02.2022 - Current
- Manage the day-to-day operations of the development company by assisting with all aspects of the business including accounting, financing, strategy planning and marketing etc
- Communicate with project management and stakeholders to ensure all compliance measures are met and agreed upon
- Attend internal Project meetings and periodic site meetings where attendance is required
- Assist in developing documents for project credit applications and prepare presentations for financial institutions
- Document and manage invoices from all trades and consultants and ensured timely payment
- Review accounting reports and investigate outages
Senior Business Advisor
Canadian Imperial Bank of Commerce
01.2021 - 01.2022
- Managed a portfolio of 200 small to medium sized business accounts
- Provided business clients with cash management tools for daily transactions
- Assisted business clients with future planning using cash flow indicators and market analysis
- Made client referrals to internal wealth management groups to promote business succession and tax efficiency planning
- Underwrote business lending deals which included business visas, lines of credit, letter of credits, loans and commercial mortgages
Small Business Manager
Coast Capital Savings Federal Credit Union
01.2019 - 01.2021
- Managed a portfolio of 250 small business accounts consisting of lending and larger deposits
- Underwrote all small business loans, lines of credit and mortgages
- Grew current portfolio by approaching new business customers either through internal referrals or networking events
- Deepening business client relationships by providing solution-based products and services that meet their business needs
Business Banking Officer
Coast Capital Savings Federal Credit Union
01.2018 - 01.2019
- Managed a portfolio of 1800 small business accounts by relationship building
- Prospected and increased new small business account openings at different branches
- Managed business client appointments and all enquiries at certain assigned branches and regions
- Recognized as the top Business Banking officer to sell the most amount of line of credits as part of the Trade Business Campaign
Credit Solutions Specialist
Coast Capital Savings Federal Credit Union
01.2014 - 01.2018
- Resolved serious collection issues and created out of policy solutions for delinquent loans and mortgages by contacting different external and internal organizations and obtaining approvals
- Consistently focused on finding new delinquency trends and followed through appropriate procedures in dealing with them by monitoring assigned accounts weekly and monthly
- Dealt with issues and risks related to held collateral such as property tax sale notices, strata foreclosures and lack of property insurance
- Led review process on small business accounts for certain risk factors, and opportunities, to determine future course of action
- Was the only individual in the collection department collecting on small business delinquent accounts
Credit Solutions Associate
Coast Capital Savings Federal Credit Union
01.2012 - 01.2014
- Entrusted to make decisions on loans and mortgages while assisting clients to resolve debt issues and develop new payments plans
- Worked on bankruptcy and consumer proposal accounts to record, restrict, close accounts and reorganize the debt
- Rewrote mortgages and loans to align with the new payment affordability of the customer
Credit Solutions Officer
Coast Capital Savings Federal Credit Union
01.2010 - 01.2011
- Managed all aspects of resolving issues on small delinquent loans, unauthorized overdrawn accounts
- Contacted clients on overdrawn accounts from 30 -40 returned checks daily
Payment Operations Administrator
Coast Capital Savings Federal Credit Union
01.2008 - 01.2010
- Resolved unbalanced general ledgers for 50 branches by examining variances in daily payment reports and investigating the causes
- Processed back-end banking documents related to payments to or from third-parties while providing support to the front-end branches with general enquiries
- The only person in the department that updated content for the company's internal website informational page for the department
- Recognized by management for being efficient in resolving branch cash orders and cash delivery schedules when branches needed urgent cash delivery
Education
BACHELOR OF BUSINESS ADMINISTRATION - Entrepreneurial Leadership Focus
Kwantlen Polytechnic University
01.2010
Skills
- Microsoft Word
- Microsoft Excel
- Microsoft Outlook
- Akcelerant Framework
- Onbase Filing System
- Salesforce
- Blackboard NXT
Professional Development
- Moody's Small Business Lending Course, 01/01/19
- Technical Business Writing Course, Coast Capital, 01/01/17
- Financial Ratio Analysis Course, Central1 Online Course, 01/01/16
- Negotiations and Collections Course, Tim Paulson, 01/01/11
Timeline
Operations Manager
Red Cardinal Homes Inc
02.2022 - Current
Senior Business Advisor
Canadian Imperial Bank of Commerce
01.2021 - 01.2022
Small Business Manager
Coast Capital Savings Federal Credit Union
01.2019 - 01.2021
Business Banking Officer
Coast Capital Savings Federal Credit Union
01.2018 - 01.2019
Credit Solutions Specialist
Coast Capital Savings Federal Credit Union
01.2014 - 01.2018
Credit Solutions Associate
Coast Capital Savings Federal Credit Union
01.2012 - 01.2014
Credit Solutions Officer
Coast Capital Savings Federal Credit Union
01.2010 - 01.2011
Payment Operations Administrator
Coast Capital Savings Federal Credit Union
01.2008 - 01.2010
BACHELOR OF BUSINESS ADMINISTRATION - Entrepreneurial Leadership Focus
Kwantlen Polytechnic University