Umair Chaudhry
274 Albright Road, Brampton ON, Canada, L6X 0J1, 905-796-6036, 647-995-6036, umairch9@hotmail.com , CSC ,PFP, M.sc
PROFILE
An experienced Banker/Business Manager with extensive banking knowledge and experience
of financial management. Comprehensive knowledge of financial and banking industry,
coupled with proven success in managing client’s expectations and needs.
 Respected leader with proven team building skills
 Expert at structuring and implementing business development strategies
 Excellent team building and management skills
 In depth knowledge of development and maintenance of portfolios for investment and credit,
introduction and management of financial products and services
 Skilled consultant to higher management and team to deal with diverse financial situations,
goals and challenges
 CSC & PFP completed. CLCA, Moody’s Analytics Commercial Lending in progress
PROFESSIONAL EXPERIENCE
Momentum Credit Union, Brampton, ON
Branch Manager, Sep 2011-Oct 2015
Complete Management of branch operations which included business development,
regulatory compliance of product and services, underwriting of new credit applications
(residential and commercial), mitigation of risk, marketing strategies, performance analysis of
staff, and mentoring and training staff for optimized results. Lead continuous process
improvement and development of services and sales standards. Made substantial
contributions to institution in credit product design. Compliance, leadership
Member management Team:
Additional responsibilities included product and process design, risk management/mitigation
and campaign designing for the organization
 Achieved assigned level of net revenue from funded & non-funded facilities for 4 years
 Had an (underwriting)approval limit of ½ million for secured and 50k for unsecured deals
 Achieved a total increase of credit volume by 47% and deposit increase by 23%
 Achieved net increase of quality advances and deposit portfolio by 18% and 7% respectively
in 2013
 Passed branch audit of regulators& internal auditors for continuous 4 years
 Approved commercial loans by performing ratio analysis and evaluation of financial
statements
 Ensured internal compliance with the Bank's credit policy
 Maintained regular official and social contact with corporate and institutional customers as per
policies and guidelines in order to increase volumes
LENDING MATRIX, Mississauga, ON
Business Manager / Credit Manager, (Aug2009-Sep 2011)
Examined and evaluated client financial statements and information to determine accuracy.
This included assessing applicable ratios, credit reports, risk evaluation, implementing fraud

detection techniques and report preparation. Approval of loans, enforcement of credit and legal
conditions.
Key Accomplishments
 Prepared sales reports, activity reports and revenue forecast
 Increased profitability and reduction of non-development expenses by 7% using quantitative
and qualitative analysis
 Reviewed and approval of 10-12 credit deals per day
 Directed a successful team of 5 that managed schedules, and sales to accomplish consistent
top performance goals
 Increased credit volume by 20m for secured lending products for year 2010-11
TDCANADA TRUST, ON (2001-2009)
Progressively advanced to higher positions. Built a solid knowledge base of the banking and
finance industry and developed a keen sense of customer retention strategies.
Financial Advisor (2006-2009)
Yearly team leader for spring money in (investment) and money out (credit) campaigns.
Managed business/corporate accounts and all related services. Trained and managed fifteen
junior staff members in processing and sales. Supervised the largest Mississauga branch for
three years. Structured portfolios for safety, growth, and income using wealth allocation
models.
Key Accomplishments
 Awarded district champion for 2007 & 2008
 100% record of meeting goals of sales, internal practices, and customer services index
maintenance for five years
 Recognized as mortgage and secured credit volume leader in district. Increased credit
portfolio by 78%
 Developed HNW cliental, referral system and increased their number by 55%
Financial Services Representative (2002-2006)
Maintained and increased core banking profiles for individual and business clients. Designed
and maintained portfolios of up to ½ million for registered and unregistered money. Provided
day-to-day services of core banking products for personal and corporate clients.
Key Accomplishments
 Assessed quality excellent 2004-2007
 Twice stood among top ten in district for core banking products sales
 Developed and managed various portfolios of up to 2.0 million
EDUCATION AND CREDENTIALS
Masters of Applied Mathematics
Bachelor of Science pure and applied mathematics
Professional Designations
PFP, Personal financial planner Canadian Securities Institute 2009
CSC, Canadian securities course Canadian Securities Institute 2001
CLCA, Moody’s Analytics Commercial Lending in progress
Professional training
 Completed CSC, PFP, money laundering, credit strategies, and compliance
 Completed internal courses on risk evaluation, management and divergence