Sadaf Syed

Senior Credit Analyst with 12+ years of experience in commercial credit underwriting, risk assessment, financial analysis, accounts receivable management, collections, and financial services. Experienced evaluating Canadian and U.S. commercial credit applications, managing customer credit exposure, and making sound risk-based decisions that support business growth while protecting company assets. Combines extensive credit expertise with Anti-Money Laundering (AML) investigation experience gained within a global financial institution.

Recognized for strong analytical skills, sound judgment, attention to detail, and the ability to build effective relationships with customers, Sales, Operations, Finance, and senior stakeholders.

Senior Credit Analyst - Leavitt Machinery

(2019-04)

Material Handling Equipment Dealer

• Underwrite commercial credit applications for new and existing customers throughout Canada and the United States.
• Analyze financial statements, credit bureau reports, trade references, payment history, and supporting documentation to assess creditworthiness and determine appropriate credit exposure.
• Exercise delegated credit approval authority while balancing business growth objectives with sound risk management practices.
• Manage a large commercial accounts receivable portfolio by monitoring customer exposure, payment performance, and emerging credit risks.
• Conduct account reviews, credit limit assessments, and customer due diligence to support informed credit decisions.
• Identify potential fraud indicators, unusual account activity, and financial risk concerns through customer reviews and transaction analysis.
• Apply AML principles and escalate potential compliance concerns in accordance with internal policies and procedures.
• Partner with Sales, Operations, Finance, and customers to resolve billing issues, manage collections, and support timely order processing.
• Maintain detailed documentation of credit decisions, customer communications, collection activity, and account reviews.

AML Investigations Analyst - HSBC Canada

(2017-10 - 2019-03)

Through Randstad Holding

• Conducted complex Anti-Money Laundering investigations involving transaction monitoring, sanctions screening, and escalated customer activity.
• Reviewed retail and commercial banking accounts to identify unusual activity, financial crime indicators, and potential money laundering concerns.
• Analyzed customer information from multiple internal sources to complete comprehensive investigations.
• Prepared detailed investigative reports and recommendations regarding suspicious transaction reporting requirements under Canadian AML regulations.
• Collaborated with internal teams across multiple regions to gather information and support investigation outcomes.

Credit Analyst - SNAP Financial Group

(2012-02 - 2017-09)

• Underwrote consumer and commercial credit applications using financial statements, tax returns, credit bureau information, and supporting documentation.
• Prepared credit analyses and recommendations for new and renewed lending requests.
• Evaluated borrower financial strength, repayment capacity, and overall risk to support lending decisions.
• Recommended loan structures, risk ratings, and lending solutions for complex applications.
• Reviewed portfolio performance, identified risk trends, and provided recommendations to management.
• Supported vendor relationships by delivering responsive credit decisions while maintaining compliance with internal policies.

Senior Financial Services Representative - Vancity

(2006-06 - 2012-01)

• Provided financial solutions to personal and small business members through needs-based conversations and financial assessments.
• Supported lending, investment, and cash management solutions while ensuring compliance with policies and regulatory requirements.
• Built strong client relationships through exceptional service, confidentiality, and ethical financial practices.

Financial Services Representative - BMO Bank of Montreal

(2004-01 - 2006-06)

• Assisted personal and small business clients with banking, lending, investment, and cash management solutions.
• Identified customer needs and recommended appropriate financial products while maintaining compliance standards.

Certified Credit Professional (CCP) - Credit Institute of Canada

Credit Specialist Program - Credit Institute of Canada – BC Chapter

Financial Management Diploma - British Columbia Institute of Technology (BCIT)