Durairaj

Senior Banking & Financial Operations Professional with 18+ years of experience in retail banking, commercial credit, lending operations, financial analysis, and branch leadership. Currently supporting CIBC Retail Mortgage Services and TD Bank's Personal Lending & Advice team in Canada, consistently achieving 90%+ client satisfaction and maintaining an 85%+ lending approval rate while managing high-volume financial transactions. MBA (UK) with Canadian financial planning education.

Performance-driven, compliance-focused, and highly adaptable to Credit Union and accounting environments.

Verification Officer – Retail Mortgage Services (HYBRID) - CIBC - Mississauga, ON

(2025-10 - 2026-07)

• Review and verify residential mortgage documentation to ensure compliance with credit policies and regulatory standards.
• Validate income documents, employment confirmations, appraisals, title searches, and supporting financial records.
• Review discharge documentation for secured lines of credit and coordinate with legal and branch partners.
• Identify documentation discrepancies and resolve file exceptions through cross-department collaboration.
• Maintain service-level agreements while managing a high volume of mortgage files with strong risk awareness.
• Support internal control procedures and audit readiness initiatives.
• Ensure accurate system entries and updates in mortgage processing platforms.

Personal Lending & Advice - TD Bank Group - Markham, ON

(2025-05 - 2025-10)

• Provide lending advice on credit cards, personal loans, and lines of credit.
• Conduct full financial needs assessments including debt servicing ratios, credit bureau review, and income validation.
• Structure lending solutions aligned with risk policies and client financial capacity.
• Process 40+ lending applications weekly while maintaining 85%+ approval rate.
• Prepare and review agreements, disclosures, and regulatory documentation.
• Perform outbound follow-ups to complete documentation and mitigate application delays.
• Identify cross-sell opportunities for deposit, savings, and investment products.

Everyday Personal Banking - TD Bank Group - Markham, ON

(2023-11 - 2025-04)

• Support clients in resolving account discrepancies and payment-related concerns.
• Maintain accurate case notes and documentation to ensure audit compliance.
• Consistently achieve 90%+ client satisfaction scores.

Subsidiary Manager / Credit Officer / Operations Officer - Commercial Bank of Ceylon PLC - Sri Lanka

(2006-04 - 2022-05)

• Directed full branch operations including lending, deposits, receivables monitoring, and payables oversight.
• Managed loan portfolio valued at approximately CAD 3.5M.
• Conducted detailed credit analysis of corporate and retail clients including financial statements, cash flow projections, and risk grading.
• Approved and monitored secured and unsecured credit facilities.
• Implemented action plans that improved branch operational efficiency by 20%.
• Converted underperforming branch into profit-generating unit producing approximately CAD 50,000 annual net profit.
• Built deposit portfolio of approximately CAD 400,000 with 25% YoY growth.
• Oversaw daily reconciliations, general ledger reviews, and transaction monitoring.
• Ensured compliance with banking regulations and internal audit standards.
• Led and coached staff to improve sales performance and operational accuracy.
• Strengthened community partnerships to expand client base and portfolio growth.

Certificate/Diploma - Financial Planning & Wealth Management - Lambton College (2022-05 - 2023-12)

Master of Business Administration (MBA) - Business Administration - University of Bedfordshire (2020-01 - 2021-02)

Professional Diploma - Banking & Finance

Professional Diploma - Integrated Risk Management

Professional Diploma - Sales & Marketing