Adil Ahmed
Manager, Retail Credit Risk Review @Scotiabank
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WORK HISTORY
Manager, Retail Credit Risk Review @Scotiabank
CA
Deliver high-quality, in-depth credit decisions on complex applications by analyzing partner submissions,financial information, and supporting documentation.• Apply consistent interpretation of lending policies, regulatory requirements, and risk frameworks whileexercising advanced credit judgment within delegated authority.• Adjudicate insurance-secured lending facilities, including assessing insurance policy values, assignmentstructures, collateral enforceability, and overall risk position.• Evaluate insurance collateral documentation to ensure compliance with regulatory, underwriting, and securityrequirements.• Structure lending solutions using insurance-based collateral for high-net-worth clients while balancing risk andreturn.• Provide clear, comprehensive, and replicable documentation of credit decisions, including full assessment of the5 Cs of credit, comprehensive, and replicable documentation of credit decisions, including full assessment of the5 Cs of credit.• Present well-supported recommendations for applications above approval limits.• Support a positive and efficient partner experience through professional communication, timely responses, andvalue-added guidance.• Recommend alternatives and restructuring options to strengthen deals and optimize outcomes for both the Bankand the client.• Coach and guide partners to improve submission quality and enhance overall credit capability.• Contribute to ACE SLA and KPI targets through timely adjudication, accurate decisions, and strong engagementwith Deal Support.• Participate in Lean management activities including huddles, problem-solving, and continuous improvementinitiatives.• Ensure credit decisions are transparent, well-rationalized, and aligned with risk appetite while identifying andescalating AML, Privacy, KYC, or compliance concerns.• Mentor peers, contribute to a positive team culture, and engage in ongoing personal development
EDUCATION
The G. Raymond Chang School of Continuing Education at Toronto Metropolitan University
Certificate in accounting and Finance, Accounting and Finance
Concordia University
Bachelor of Business Administration - BBA, Accounting
Chartered Professional Accountants of Canada (CPA Canada)
CPA Candidate, Accounting
SKILLS
ABOUT ADIL AHMED
As a Manager of Retail Credit Risk Review at Scotiabank, I deliver comprehensive credit decisions on complex applications, leveraging my expertise in credit analysis, mortgage underwriting, and risk frameworks. With over eight years in the financial services industry, I evaluate insurance-secured lending facilities, assess collateral risk, and ensure compliance with policies, regulatory requirements, and underwriting standards. My experience spans major Canadian financial institutions, where I have developed a robust understanding of structuring lending solutions, utilizing data-driven tools, and collaborating with key stakeholders. I am committed to facilitating effective credit decisions and supporting the financial goals of clients through a combination of technical expertise and strategic insight.
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