Hi, I’m
Vallen Pereira
Toronto,ON
Work Preference
Summary
Credit Risk and Underwriting professional with over 5 years of experience in commercial lending and financial analysis within Canadian financial services. Expertise in assessing borrower capacity and structuring compliant credit facilities while ensuring adherence to OSFI, AML, and consumer lending standards. Proven ability to collaborate effectively with product, risk, and compliance teams to enhance credit processes.Current CFA Level II and FRM Part II candidate.
Overview
3
years of professional experience
1
Certification
Work History
CIBCToronto, ON
Relationship Manager
10.2024 - Current
Job overview
- Manage a $250MM+ commercial portfolio, underwriting credit facilities up to $1.5MM under OSFI and CIBC policy frameworks.
- Conduct detailed financial and qualitative assessments to evaluate borrower risk and ensure regulatory compliance.
- Strengthen portfolio oversight by working on Excel models to monitor exposure concentrations and aging analysis.
- Partner with risk and compliance teams to optimize approval workflows, improving turnaround time by 25%.
- Present credit findings and recommendations to senior management to inform strategic portfolio adjustments.
CIBCToronto
Credit Risk Review / Credit Underwriting Analyst
06.2023 - Current
Job overview
- Reviewed high-volume business credit applications of up to $1.5 million, ensuring alignment with Canadian lending and AML policies.
- Performed risk exposure analysis to identify structural weaknesses and recommend mitigants.
- Integrated transaction-level data and merchant activity to improve early risk detection.
- Collaborated with auditors and compliance officers to align internal reporting with OSFI standards.
CIBCToronto, ON
Associate Business Advisor / Business Advisor
10.2022 - 10.2024
Job overview
- Managed 200+ small business clients, delivering tailored credit and payment solutions to support growth and reduce delinquencies while structuring and renewed credit facilities in collaboration with underwriters and credit managers.
- Analyzed financial statements, cash flows, and repayment behavior to assess borrower viability.
- Coordinated with operations and collections to reduce past-due accounts and improve retention metrics.
Education
George Brown College
Post-Graduate Diploma from Financial Planning and Analysis
08.2019
University Overview
University of Pune
BBA from Financial Management
07.2016
University Overview
Skills
- Risk Operations
- Credit Underwriting
- Business Banking / Lending
- Portfolio Risk Management
- Credit Policy Implementation
- Regulatory Compliance (OSFI, AML)
- Data Analytics
- Microsoft Excel
- Process Improvement and Workflow Optimization
- KPI Tracking and Decision Support
- Cross-Functional Collaboration
Certification
- CFA Level 2 Candidate
- FRM Part 2 Candidate
- Canadian Securities Course (CSC)
- SQL
Accomplishments
Accomplishments
- Managed a $250MM+ business banking portfolio, delivering tailored credit solutions and ensuring alignment with OSFI and internal policy frameworks.
- Underwrote credit facilities up to $1.5MM, performing detailed financial and cash flow analysis to mitigate credit risk and support lending decisions.
- Enhanced portfolio risk monitoring by developing data-driven reporting and workflow processes, improving early risk detection and operational efficiency.
- Optimized lending processes through collaboration with cross-functional teams, reducing cycle times and strengthening compliance with AML and regulatory standards.
- Advised 200+ small business clients, structuring loans and credit solutions that improved client retention and minimized delinquency exposure.
- Supported strategic decision-making by presenting credit risk recommendations to senior leadership, informing portfolio growth strategies.
- Implemented process improvements using advanced Excel and data analytics to streamline reporting and risk assessment workflows.
Availability
See my work availability
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Timeline
Relationship Manager
CIBC
10.2024 - Current
Credit Risk Review / Credit Underwriting Analyst
CIBC
06.2023 - Current
Associate Business Advisor / Business Advisor
CIBC
10.2022 - 10.2024
George Brown College
Post-Graduate Diploma from Financial Planning and Analysis
University of Pune
BBA from Financial Management