Summary
Overview
Work History
Education
Skills
Certifications
Timeline
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Saad Zubair

Mississauga,Ontario

Summary

Dynamic and results-oriented professional with a strong background in credit analysis and risk management within the banking industry. Skilled in effectively analyzing partner credit submissions and providing sound credit decisions while adhering to regulatory requirements and the Bank’s risk appetite. Possessing advanced knowledge of financial statements, risk assessment, and credit documentation, with proven abilities in problem-solving, team collaboration, and customer service.

Overview

10
10
years of professional experience

Work History

Credit Analyst

Finlinx
08.2020 - Current
  • Successfully resolved customer inquiries and concerns, leading to improved client retention rates by 15%.
  • Proven ability to guide clients through mortgage application process, ensuring seamless and efficient experience. Streamlined application process, reducing processing time by 30%.
  • Demonstrated proficiency in gathering comprehensive loan information, ensuring accuracy and completeness to expedite application.
  • Built client profiles through thorough interviews to assess credit needs (KYC), financial objectives, and risk tolerance.
  • Analyzed credit scores to determine borrowers' creditworthiness. Reviewed credit reports (Equifax & TransUnion to comprehensively view borrowers' credit history and identify potential red flags.
  • Conducted credit investigation relying on Five C’s and debt ratios such as GDSR and TDSR before submitting deals to “Private lenders” for conventional, high ratio. Home Equity (HELOC), purchase and refinance deals.
  • Managed small business lending, including analyzing creditworthiness of business clients, assessing loan applications, financial statements and structuring financing solutions tailored to clients' needs.
  • Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.

Small Business Manager

Askari Bank
01.2014 - 08.2020
  • Led and fostered customer-focused culture within team of 10 to enhance client relationships and maximize Bank resources
  • Communicated effectively with stakeholders, including other Banks, to resolve issues promptly and maintain operational efficiency
  • Demonstrated exceptional leadership by recognizing exceptions to policies and procedures and seeking guidance for resolution
  • Ensured compliance with credit risk, regulatory, AML risk, and conduct risk frameworks, contributing to Bank's overall risk management objectives
  • Contribute to Deal Support and actively participate in Lean management activities to drive efficiency
  • Identify and escalate any identified issues related to AML, Privacy, KYC, and Compliance
  • Provide coaching and mentoring to peers as required, Knowledge of relevant systems such as Bank’s interactive systems and Microsoft Tools.

Education

Bachelor of Arts - Specialization in Economics

University of Western Ontario
London, ON

Skills

  • Risk Assessment
  • Credit analysis
  • Financial statement analysis
  • Credit risk
  • Credit decisions
  • Microsoft Excel proficiency
  • Loan Documentation
  • Underwriting/Adjudication
  • Report Preparation
  • Filogix Expert
  • Cross Functional teams
  • Microsoft Office
  • Due Diligence

Certifications

  • PERSONAL LENDING AND MORTGAGES (PLM), Canadian Securities Institute (CSI)


Timeline

Credit Analyst

Finlinx
08.2020 - Current

Small Business Manager

Askari Bank
01.2014 - 08.2020

Bachelor of Arts - Specialization in Economics

University of Western Ontario

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Saad Zubair