Richa Chahal
Chestermere,Canada
Summary
Analytical and insightful Credit Analyst known for high productivity and efficient task completion. Possess specialized skills in financial analysis, risk assessment, and regulatory compliance. Skilled at leveraging critical thinking, problem-solving, and communication to navigate complex credit environments and make informed decisions. Excel in teamwork and adaptability, ensuring seamless collaboration with colleagues to achieve optimal outcomes.
Overview
16
16
years of professional experience
Work History
STUDENT-AT-LAW
Nieswandt & Narang Law
Calgary, Canada
10.2024 - 03.2025
- Providing advice: Giving advice to clients based on legal research and analysis and improved client satisfaction with prompt and effective communication regarding case updates and inquiries.
- Conducted comprehensive legal research using various resources such as online databases, law libraries, or government agencies to support case strategies effectively.
- Preparing documents: Drafting legal documents such as Wills, Power of Attorneys, Civil Litigation and Real estate transactions.
- Assisted with trial preparation, including creation of exhibits, compilation of witness lists, and organization of evidence materials.
- Supported attorneys in achieving favorable outcomes through thorough research and analysis of complex legal issues.
- Streamlined administrative processes for better efficiency in handling caseloads, reducing paperwork backlog, and ensuring timely completion of tasks.
- Drafted accurate and persuasive legal correspondence, contributing to successful negotiations and settlements.
- Handled office scheduling and made notes for deadlines, motions, and other important dates.
- Managed high-volume workload while maintaining strict attention to detail on every task such as drafting pleadings or summarizing depositions accurately.
Audit and Funding Specialist
Wise Cap Equipment Financial
Mississauga, Canada
03.2019 - 07.2023
- Provided guidance to customers on the availability and terms of various funding sources.
- Checked applicant credit, personal references and employment histories.
- Prepared financial reports detailing the status of loans, credit analysis and other related activities.
- Presented loan and repayment schedules to customers.
- Evaluated existing programs for effectiveness and identified areas for improvement.
- Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
- Collaborated with internal teams such as legal, compliance, operations, and risk management, to ensure the successful completion of projects.
- Maintained records and documentation related to all loan agreements and transactions.
CREDITOR ANALYST
Peel Financial Inc.
Brampton, Canada
01.2013 - 11.2016
- Coordinated team of analysts providing simple and routine credit risk analysis.
- Negotiated credit disputes with banks, including executives, loans personnel and legal departments.
- Maintained filing system (electronic and hard copy) referring to fraudulent activities.
- Assisted clients with inquiries about financial loans.
- Prepare documents including correspondence, reports, drafts, memos regarding fraudulent activity.
- Liaised with the bank to obtain sufficient line of credit for import of elevators and equipment on finalization of purchase agreement.
- Analyzed and redesigned maintenance schedules and ensured contractor expense reimbursement.
LEGAL ASSISTANT
Sohi and Bansal LLP
Mississauga, Canada
02.2011 - 01.2012
- Drafted legal letters, and formatted documents, briefs, motions, and client forms for firm lawyers.
- Scheduled appointments and case conferences, and managed incoming calls for firm lawyers.
- Maintained case files (Affidavits of documents and pre-trial memos).
- Prepared documentation and scheduled appointments for clients for their legal matters and maintained client privacy under rules of professional conduct for lawyers.
- Assisted senior lawyer with authorization, discovery and production of case files and prepared client wills and power of attorney.
- Assisted clients with paperwork intake such as conflict of interest forms and review disclaimer forms and ensured understanding of service agreements and service limitations.
- Reviewed corporate, family, and real estate legal matters for clients under supervision of Senior lawyer.
SALES ASSOCIATE
Bell Wireless
08.2010 - 01.2011
- Provided customer service, including assessing mobile service needs, and advising on suitable handsets and service plans.
- Worked proactively with customers when conflicts arose.
- Utilized SMART goal setting within sales quota timeframes to successfully drive ARPU (Average revenue per user) and consistently meet or exceed sales targets.
- Managed cash in the store, and reconciled floats at beginning and end of each shift.
DISTRICT COURT LAWYER
Punjab District Court
Punjab, India
11.2009 - 08.2010
- Practicing in a team of 3 associate lawyers and 2 support staff, researched and prepared family court documents on matters such as child custody and fair division of property.
- Researched family court and civil motions, affidavits, contracts, complaints, and applications.
- Advised clients on intellectual property rights such as trademarks, patents, and copyright.
LEGAL ASSISTANT
Sood Law Office
, India
06.2009 - 08.2010
- Provided legal counsel to purchasers, sellers, and other entities regarding domestic and international securities, in addition to mergers, acquisitions and partnership transactions.
- Advised public company shareholders on legal implications of compliance issues such as workplace health and safety, employee behavior, and corruption.
- Defended claims of the public companies for their breach of contract, defamation, fraud, retaliation, wrongful termination, and sexual harassment.
- Litigated general business disputes such as contract, intellectual property, and construction defect.
Education
NCA Certificate of Qualification -
Federation of Law Societies of Canada
Canada01.2018
Bachelor of Law (LL.B.) -
Guru Nanak Dev University
India01.2009
Bachelor of Arts - Laws
Guru Nanak Dev University
India01.2006
Skills
- Data research and analysis
- Administrative assistance
- Document organization skills
- Experienced with software tools
- Verbal and written communication
- Team support
- Editing and proofreading
- Punctual and reliable
- Project coordination
- Proficiency in MS Office
- Research
- Attention to detail
- Time management
- Positive attitude
- Loan documentation
- Financial reporting
- Financial statement analysis
- Credit reporting
- Microsoft Office Suite
Affiliations
- Canadian Bar Association, 01/01/14, Present
- Sikh Relief Canada, 01/01/10, Present
- Bar Council of Punjab & Haryana, India, 01/01/09, Present
- The Government of India Recognition for Legal Aid and Literacy Mission, 01/01/04, 01/01/10
Hobbies and Interests
- Movies: Love to watch law and History documentaries
- Hiking: Love to explore nature and go hiking with friends
- Cooking: Enjoy cooking and experimenting with new Asian, Italian and Chinese dishes
Community Service
- Legal Assistant, Minhas Lawyers LLP, Mississauga, Canada, 03/01/14, 06/01/19, Accompanied volunteer duty counsel for client sessions., Assisted with quick searches on relevant case law.
- Assistant, Sidhu Law office, Calgary, AB, Canada, 09/01/23, 10/01/23, Assisted with quick searches on real estate matters., Prepared legal documents and scheduled appointments.
Timeline
STUDENT-AT-LAW
Nieswandt & Narang Law
10.2024 - 03.2025
Audit and Funding Specialist
Wise Cap Equipment Financial
03.2019 - 07.2023
CREDITOR ANALYST
Peel Financial Inc.
01.2013 - 11.2016
LEGAL ASSISTANT
Sohi and Bansal LLP
02.2011 - 01.2012
SALES ASSOCIATE
Bell Wireless
08.2010 - 01.2011
DISTRICT COURT LAWYER
Punjab District Court
11.2009 - 08.2010
LEGAL ASSISTANT
Sood Law Office
06.2009 - 08.2010
NCA Certificate of Qualification -
Federation of Law Societies of Canada
Bachelor of Law (LL.B.) -
Guru Nanak Dev University
Bachelor of Arts - Laws
Guru Nanak Dev University
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