Raneem Bataineh
Hamilton
Summary
Experienced Senior Credit Analyst with a strong foundation in commercial banking, specializing in credit risk management and financial analysis. Proven ability to cultivate and manage high-value client relationships, while driving cross-functional initiatives that support business growth. Skilled in structuring complex credit solutions, ensuring regulatory compliance, and delivering strategic insights to support sound lending decisions. Ready to transition into a Senior Relationship Manager role, bringing a client-centric approach and deep expertise in business credit to help meet and exceed commercial banking objectives.
Overview
10
10
years of professional experience
Work History
Senior Credit Analyst
TD Bank
08.2024 - Current
- Secure and package competitive credit solutions aligned with strategic customer satisfaction and drive business objectives.
- Assess, comprehend and prioritize client value drivers, while collaborating with TD’s risk policies and compliance standards.
- Foster strong client relationships, driving impact and value through strategic credit solutions.
- Increasing profitability by optimizing pricing structures based on borrower risk profiles and market conditions.
- Managing a diverse portfolio of commercial lending, consistently meeting or exceeding performance targets.
- Supported business growth by proactively identifying new lending opportunities within the commercial market segment via networking events and COI build-up.
Commercial Credit Lending Associate
TD Bank
02.2024 - 08.2024
- Conducted financial analysis, enabling informed credit decisions and strategic client satisfaction.
- Developed financial strategies, aligning credit services to meet business objectives.
- Collaborated with teams to improve client experience and ensure superior client satisfaction.
- Maintained accurate documentation, ensuring compliance and credit accuracy.
- Meeting with borrowers to further explore opportunities and onboard new business.
Commercial Customer Specialist
TD Bank
07.2022 - 01.2023
- Provided personalized service to commercial clients, enhancing customer satisfaction and fostering strong business relationships.
- Partnered with internal teams to streamline account management processes, improving response times and operational efficiency.
- Actively engaged with clients to understand their needs, ensuring customized and responsive banking solutions.
- Identified business opportunities through detailed service assessments, resulting in increased gains in customer satisfaction and loyalty.
Manager of Customer Sales
TD Bank
02.2019 - 10.2021
- Led team to enhance customer satisfaction, boosting customer service delivery.
- Maintained a lead in handling complaints, improving customer service and credit processes.
- Implemented strategic sales campaigns, aligning operations with business goals to drive growth.
- Collaborated across departments, fostering a unified approach to customer service.
- Monitored business performance and sales, ensuring compliance with statutory standards.
- Led a team, motivating and coaching to improve product knowledge, fostering a supportive and customer-focused environment.
Lead Customer Experience Associate
TD Canada Trust
02.2017 - 01.2019
- Led team to enhance customer awareness, boosting customer service delivery.
- Reduced complaints and issues, improving branch efficiency and customer satisfaction.
- Mentored and trained associates, ensuring a standardized customer service delivery.
- Implemented strategies to streamline operations, resulting in increased customer satisfaction.
- Collaborated with teams to align sales strategies, achieving enhanced global goals.
Accounting Assistant
BG Financial Services
04.2015 - 01.2017
- Managed invoices and payments, ensuring timely processing and accuracy.
- Organized financial documents, enhancing filing efficiency.
- Assisted in checks runs, meeting pre-payment deadlines.
- Updated reconciliation spreadsheets, maintaining correct balances.
- Supported daily operations, ensuring smooth financial processes.
Education
Honours Bachelor of Commerce - Minor in Economics
McMaster University
Business Analyst Post Grad Certificate -
Mohawk College
Commerce Exchange -
University of Leeds
Skills
- Credit Risk Analysis
- Credit Solutions
- Portfolio Management
- Compliance Monitoring
- Performance Metrics
- Financial Modelling
- Risk management strategies
- Client Acquisition
- Loan structuring
Languages
English
Native or Bilingual
Arabic
Native or Bilingual
French
Limited Working
Timeline
Senior Credit Analyst
TD Bank
08.2024 - Current
Commercial Credit Lending Associate
TD Bank
02.2024 - 08.2024
Commercial Customer Specialist
TD Bank
07.2022 - 01.2023
Manager of Customer Sales
TD Bank
02.2019 - 10.2021
Lead Customer Experience Associate
TD Canada Trust
02.2017 - 01.2019
Accounting Assistant
BG Financial Services
04.2015 - 01.2017
Honours Bachelor of Commerce - Minor in Economics
McMaster University
Business Analyst Post Grad Certificate -
Mohawk College
Commerce Exchange -
University of Leeds
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