Racelle Barmo

Commercial credit expert bringing more than 16 years of professional experience, with a remarkable expertise in credit risk, banking, corporate finance, financial analysis, budgeting, financial feasibility studies and business planning. Team-oriented nature, dedicated to applying sound judgments toward making positive impact on the business operations.

Bilingual Commercial Credit Analyst II: National Auto Credit Department at TD Auto Finance - TD Bank (2025-07 – Present)

• Evaluating credit risk exposure for automotive commercial portfolios.
• Analyzing financial statements including balance sheets and income statements.
• Conducting financial statement spreading to assess dealer profitability.
• Calculating complex financial ratios including liquidity and leverage.
• Reviewing DSCR metrics to evaluate corporate debt serviceability.
• Preparing and structuring credit memos, financing packages for senior management approval.
• Monitoring and reviewing covenant analysis reports to ensure total compliance.
• Utilizing BBHUB and CARMA platforms for credit administration.

Commercial Credit & Monitoring Analyst: Credit & Monitoring Department at TD Auto Finance - TD Bank (2023-11 – 2025-07)

• Preparing comprehensive credit reviews and loan recommendations.
• Assessing credit profiles, risk exposures, and clients' repayment capacities; advising on loan structuring and collateral requirements.
• Analyzing balance sheets, cash flows, key financial metrics, and credit histories.
• Reviewing and evaluating high-risk credit files to address and resolve escalated issues.
• Continuously monitoring borrowers' financial covenants and testing lending parameter compliance.

Credit & Collections Specialist: Credit & Collection Department at JELD-WEN Windows & Doors (2023-09 – 2023-10)

• Managing credit and collections portfolios and overseeing customer data accuracy and maintenance.
• Conducting credit underwriting and in-depth analysis of financial statements and tax returns.
• Handling the process of obtaining and perfecting various forms of collateral, including Letters of Credit, Guarantees, PMSIs, Bonds, Liens, etc.
• Reconciling accounts: addressing residual balances, resolving disputes, applying credits, and performing necessary adjustments.

Senior Financial Risk Analyst: Finance Department at Construction & Trading Group (C.A.T. GROUP) (2021 – 2023)

• Forecasting cost trends and anticipating future market developments relevant to the organization.
• Contributing to strategic business decisions through financial risk assessments and advisory input across business lines.
• Leading financial risk analysis projects, consolidating data, and producing regular reports on financial performance, sales, and emerging business opportunities.

Senior Corporate Credit Risk Analyst: Risk Department at Société Générale de Banque au Liban (SGBL) (2015 – 2021)

• Evaluating financial statements, cash flows, solvency, and liquidity ratios of corporations across various sectors to support potential local and international financing projects.

Commercial Credit Analyst: Credit Department at Société Générale de Banque au Liban (SGBL) (2012 – 2015)

• Conducting top-down analyses by examining industry-wide trends before performing detailed financial, feasibility, and cash flow evaluations of target companies.

Credit Analyst: Credit Department at BSL Bank (2009 – 2012)

• Preparing and analyzing credit files for corporates and SMEs, including in-depth industry analysis and thorough review of company financial statements.

Master's Degree in Research in Finance – Saint-Joseph University of Beirut (USJ), Faculty of Business & Management (2009 – 2011)

Bachelor's Degree in Business & Management Administration – Saint-Joseph University of Beirut (USJ), Faculty of Business & Management (2006 – 2009)