Available for advisory engagements

Independent judgment for
commercial credit decisions.

Thirteen years underwriting, adjudicating, and monitoring commercial and corporate credit across Canada, the UK, and Asia — now available to banks, lenders, and fintechs who need a second line of defence they can trust.

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Chartered BankerChartered Banker Institute, Scotland
MBA, Finance
Yale CertificateFinancial Markets
13+ yearsCanada · UK · Asia
$940MM+adjudicated across commercial & corporate facilities
$2.1Bportfolio monitored — zero credit losses
8% → 2%overdue review reduction via redesigned surveillance
+20%adjudication turnaround improvement
About

I look at a credit file the way an underwriter has to — covenant by covenant, cash flow by cash flow — and tell you what it actually says.

I'm a Senior Manager in Commercial Credit Risk, currently at a Canadian Schedule I bank, with a background spanning corporate, commercial, and wholesale credit adjudication in Toronto, London, and across Asia. My work sits in the second line of defence — independent from origination, answerable to the numbers.

I've adjudicated facilities from $1MM agricultural operating lines to $75MM asset-based livestock lending arrangements, built the Board-level KRI dashboards that report portfolio health on $2.1B in exposure, and closed control gaps that OSFI cited positively in exam response. I've also held the line — declining deals that didn't meet covenant, and defending that decision when it wasn't the easy answer.

Independent advisory work draws on the same discipline: a clear-eyed read of the credit, documented reasoning, and no conflict of interest with the deal team.

Toronto, ONChartered Banker (Scotland)18106371 Canada Inc.
Advisory Services

Where I add the most value

Engagements are scoped individually — from a single file review to a standing advisory retainer.

01
Credit adjudication review
Independent second read on complex or contested commercial/corporate files — covenant structuring, DSCR/LTV analysis, and adjudication rationale that will hold up to audit.
Per file
02
Portfolio surveillance design
Design or rebuild of covenant monitoring and overdue-review processes, including KRI dashboards (Power BI / SQL) that give risk committees an honest view of the book.
Project
03
OSFI-readiness & control gap review
Pre-exam review of credit risk controls — intake, FINTRAC/beneficial ownership, documentation — to close gaps before a regulator finds them.
Project
04
Credit policy & process advisory
For lenders and fintechs building or scaling a credit function — policy design, adjudication workflow, and the judgment calls that don't show up in a template.
Retainer
Track Record

Where this judgment was built

2024 — Present
Senior Manager, Commercial Credit Risk
Scotiabank · Global Risk Management

Second-line adjudication and portfolio oversight across commercial and agricultural credit; built the Board-level KRI dashboard covering $2.1B in exposure.

Prior
Commercial Underwriting Manager
Equitable Bank

Closed FINTRAC beneficial-ownership control gaps ahead of regulatory deadline; led commercial underwriting on complex CRE and corporate files.

Prior
Lead Analyst
Royal Bank of Scotland · London

Corporate and wholesale credit risk analysis for a major UK banking group.

Prior
Credit Analyst
CIBC

Foundational commercial credit analysis and adjudication training.

Credentials

Formal grounding

Chartered Banker

Chartered Banker Institute, Scotland — the professional designation for senior banking practitioners.

MBA, Finance

Graduate training in corporate finance, valuation, and financial strategy.

Yale — Financial Markets

Certificate coursework in financial markets, risk, and institutions.

Get in touch

Have a file that needs
a second opinion?

Based in Toronto, working with lenders across Canada. Most engagements start with a short call to scope the work — no cost, no obligation.

Email me → LinkedIn