Stephen Gulab
Newcastle
Summary
Experienced with financial analysis and credit risk assessment, focusing on evaluating borrower creditworthiness. Utilizes advanced analytical skills to interpret complex data and provide actionable insights. Track record of effective collaboration and communication with cross-functional teams to achieve organizational objectives.
Overview
21
21
years of professional experience
Work History
Credit Analyst /Senior Underwriter
TD Canada Trust
09.2020 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Financial Advisor
TD Canada Trust
12.2018 - 09.2020
- Built strong relationships with clients, fostering trust and loyalty in managing their financial portfolios.
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
- Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
- Established new client relationships by conducting thorough needs assessments during initial consultations.
- Developed comprehensive financial plans for clients to achieve short-term and long-term goals.
General Manager
Quality Suites Hotel
09.2017 - 12.2018
- Managed budget implementations, employee reviews, training, schedules, and contract negotiations.
- Managed a diverse team of professionals, fostering a positive work environment and high employee satisfaction.
- Developed and implemented strategies to increase sales and profitability.
- Cultivated strong relationships with clients, vendors, and partners to ensure long-term success and loyalty.
- Monitored financial performance, set budgets and controlled expenses to provide financial stability and long-term organizational growth.
- Formulated policies and procedures to streamline operations.
Sales and Customer Service Manager
Bimmian.com
08.2010 - 06.2017
- Self-management of time to ensure completion of tasks
- Management of sales and customer service teams to ensure a high level of customer satisfaction, including weekly service level audits
- Assisted with the development of the company’s core values and ensuring my team strived to maintain them; including – Delivering the PERFECT client experience
- Assisted with development of marketing campaigns based on popular products; including development of promotion holiday campaigns
- Handled customer escalation calls and attempting to save the customer relationship after an unsatisfactory experience
- Completed several advanced sales techniques and upsell training courses
- Developed and led monthly sales training sessions, along with customer service initiatives
Paralegal
MacNutt and Dumont
06.2004 - 08.2007
- Reduced attorney workload by drafting routine legal documents such as pleadings, motions, and affidavits.
- Managed scheduling of court calendars and deadlines to maintain smooth flow of firm operations.
- Enhanced case efficiency by organizing and maintaining legal documents, files, and correspondence.
- Assisted counsel in preparing answers, providing documentation, and information for discovery request.
- Edited and proofread legal documents to verify accuracy.
- Liaised with other paralegals and legal staff to complete common tasks on schedule.
- Assisted attorneys with trial preparation through thorough research and analysis of relevant laws and regulations.
Education
Bachelor of Arts (Honours) - Criminology and Justice
UNIVERSITY OF ONTARIO INSTITUTE OF TECHNOLOGY
04-2010
Accelerated Diploma - Court and Tribunal Agent
SENECA COLLEGE OF APPLIED ARTS AND TECHNOLOGY
08.2003
Program - Alternate Dispute Resolution & Mediation
SENECA COLLEGE OF APPLIED ARTS AND TECHNOLOGY
01.2002
Skills
- Risk assessment
- Credit analysis
- Verbal and written communication
- Data analysis
- Relationship management
- Risk mitigation strategies
- Microsoft Excel proficiency
- Goal oriented
- Analytical thinking
- Legislation Interpretation
Timeline
Credit Analyst /Senior Underwriter
TD Canada Trust
09.2020 - Current
Financial Advisor
TD Canada Trust
12.2018 - 09.2020
General Manager
Quality Suites Hotel
09.2017 - 12.2018
Sales and Customer Service Manager
Bimmian.com
08.2010 - 06.2017
Paralegal
MacNutt and Dumont
06.2004 - 08.2007
Accelerated Diploma - Court and Tribunal Agent
SENECA COLLEGE OF APPLIED ARTS AND TECHNOLOGY
Bachelor of Arts (Honours) - Criminology and Justice
UNIVERSITY OF ONTARIO INSTITUTE OF TECHNOLOGY
Program - Alternate Dispute Resolution & Mediation
SENECA COLLEGE OF APPLIED ARTS AND TECHNOLOGY
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