Javed Azeez Mohammad

Commercial Analyst @Peoples Group

Toronto, ON, CA

Execute & manage commercial lending and real estate financing. Perform financial analysis, credit risk assessment, and client relationship management.• Conduct financial analysis of borrowers, guarantors, and commercial properties to assess creditworthiness and risk• Prepare and draft loan-related documentation including commitment letters, loan renewals, assumptions, CMHC reviews, and construction draws.• Ensure all agreements and documentation meet regulatory, AML, and internal compliance requirements.• Liaise with brokers, solicitors, internal departments, and mortgage administration teams to facilitate timely funding and loan execution.• Review annual financial statements and other documents to maintain up-to-date portfolio records• Review, analyze, and evaluate credit applications, in alignment with policy and procedures, to authorize credit for customers, within designated discretionary lending limits• Responsible for collaborating with various business partners by providing professional credit support, solutions• Ensure all credit decisions (approval / decline) within assigned limits are fulfilled on a broad range of credit products efficiently and effectively.• Provide credit support / solutions / recommendations / advice / alternative options when evaluating/analyzing credit applications for decisions in accordance with Bank policies and procedures• Make well rationalized credit decisions within established standards and limits and adjudicate within compliance guideline• credit underwriting / adjudication on a broad range of moderately complex credit products• knowledge on credit products, end-to-end credit processes and systems for own specialized areaCommercial lending & real estate underwritingCredit risk analysis & portfolio assessmentRegulatory compliance & AML requirementsLoan documentation & reportingStakeholder management & client communication

Indo-American school of tourism

Bachelor's degree, Hospitality Administration/Management

Lambton College

Post Graduation, International Business Management

Srichaitniya

pre-university, Biology, General

HTL international school of management

Master’s Degree, Hospitality Administration/Management

St.John's Higher Secondary school

Schooling