Sashi Maruvada
Systems Implementation Specialist @Qbera Corporation
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WORK HISTORY
Systems Implementation Specialist @Qbera Corporation
Toronto and Hamilton, ON, CA
Expertise in credit risk modeling, loan origination, and underwriting, ensuring compliance with CMHC guidelines and OSFI standards.Extensive knowledge of Commercial Real Estate (CRE) and Income Producing Real Estate (IPRE) lending, with a solid grasp of commercial loan origination, structuring, and approval workflows.Skilled in commercial underwriting, including in-depth analysis of individual and business financial statements such as balance sheets, income statements, and cash flow reports.Proficient in preparing and interpreting financial spreads, calculating key financial ratios, analyzing global cash flow, and consolidating borrower financials.Strong understanding of various commercial loan types, collateral structures, and the associated legal and business documentation, including term sheets and credit presentations.Familiar with rent rolls, unit mixes, and net operating income (NOI) statements for diverse real estate asset classes.Experienced in covenant structuring, testing, and monitoring, with a clear understanding of internal credit approval processes, authorities, and risk controls.Knowledgeable in credit risk assessment, including risk rating systems, Probability of Default (PD), and Loss Given Default (LGD) frameworks.Well-versed in relevant lending regulations and compliance considerations. Understanding the Guidelines of Financial Consumer Agency of Canada (FCAC)• Deep knowledge of mortgage servicing, regulatory compliance, and risk management within the Canadian market.• ERP & Financial Systems Expertise• Expertise in financial data integration and streamlining processes to enhance operational efficiency.• Regulatory Compliance & Risk Management• Strong knowledge of Canadian mortgage compliance regulations (e.g, TRID, FSCO) and AML standards.• Experience in risk mitigation, internal audits, and ensuring compliance with PIPEDA and OSFI requirements.• Project Management & System Integration
EDUCATION
Jansons School Of Business.
MBA, Management
IIM Kozhikode
EPGP, Post Graduation
Andhra University
UG, Biochemistry
ABOUT SASHI MARUVADA
Strategic Financial Consultant & Technology-Enabled Advisor with 10+ years of diverse experience across lending, credit risk, commercial real estate finance, and financial systems consulting. Recognized for advising clients on capital structuring, debt consolidation, portfolio diversification, and digital finance transformation, with proven expertise in Canadian mortgage markets, commercial lending, and regulatory compliance (FSRA, CMHC, OSFI, FCAC, PIPEDA).Blend of financial acumen and technology leadership – delivering advisory solutions that integrate credit risk models, ERP/CRM platforms, AI-driven analytics, and cloud-based systems to improve financial decision-making, strengthen compliance, and accelerate growth. Experienced in working with private lenders, MICs, institutional investors, and corporates to design innovative financing solutions.Positioned as a trusted advisor in the Canadian market with a strong track record in multi-rental mortgage financing, commercial underwriting, and financial transformation consulting.Core CompetenciesFinancial Advisory & Consulting• Capital structuring, corporate debt advisory, refinancing & consolidation strategies• CRE/IPRE lending advisory, multi-family residential and income property financing• M&A financial due diligence, business valuations, deal structuring• Investment & portfolio advisory (asset allocation, risk-return optimization)• Credit Risk & Compliance• Advanced credit risk modeling (PD, LGD, EAD frameworks)• GDS/TDS analysis, credit bureau interpretation (Equifax, TransUnion)• AML/KYC frameworks, Basel 9 compliance, PIPEDA data governance• Regulatory compliance with FSRA, OSFI, CMHC, FCAC• Technology & Transformation• ERP/CRM platforms (Dynamics 365, SAP, NetSuite, Oracle ERP, Salesforce, Filogix, Velocity)• Financial data platforms (Moody’s Credit Lens, Bloomberg Terminal, FactSet, Capital IQ)• BI & Analytics: Power BI, Tableau, SQL, Python for financial modeling & stress testing• Cloud & AI: AWS, Azure – AI/ML for credit scoring, financial forecasting, RPA automation• Leadership & Strategy• Financial transformation consulting for mid-market and enterprise clients• Agile project leadership, PMP methodologies, and change management• Stakeholder management across lenders, investors, boards, and regulatory agencies#LendingSolutions #MortgageUnderwriting #RiskManagement #ERP #CloudArchitecture #Leadership #AIinFinance #Fintech #DigitalTransformation
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