Yash Patel

• Manage account portfolio for new and existing clients, and commercial real estate tax project
• Assist in due diligence, collateral management, covenant compliance, preparing financial analysis on complex loans, and guarantor statement analysis
• Establish relationships with relationship managers, commercial stakeholders, and involved in approval and loan closings
• Perform lockdown control, ad-hoc inquiries and used references from other banks, credit agencies as well as accessing information through internet

• Issued, reviewed, and managed Standby Letters of Credit (SBLCs) in accordance with UCP 600, ISP98, and internal compliance policies, supporting global clients across sectors including energy, construction, and commodities.
• Coordinated end-to-end SBLC transactions, including client consultation, risk assessment, documentation review, and communication with counterparties and advising banks.
• Ensured timely issuance and amendment of SBLCs, maintaining a high standard of accuracy and regulatory compliance.
• Partnered with relationship managers and corporate clients to structure customized SBLC solutions that supported contractual and financial obligations in cross-border deals.
• Resolved complex client issues by liaising with legal, compliance, and credit teams, minimizing transactional risk and ensuring seamless trade finance operations.
• Conducted training sessions and mentoring for junior trade finance analysts on SBLC processes, trade finance regulations, and best practices.
• Reduced operational processing time by 15% through implementation of workflow enhancements and automation tools.

Key Achievements:

• Processed over $500M in standby letters of credit annually with zero compliance breaches.
• Played a lead role in transitioning SBLC operations to a new digital trade workflow, increasing processing efficiency and client satisfaction.
• Recognized as a subject matter expert for SBLCs during internal audits and regulatory reviews.

• Performed variety of Accounting functions such as reconciliations, reviewing audits and Journal Entries for clients
• Researched issues related to Month-End discrepancies on Financial reports and resolved accordingly while maintaining proper procedures
• Assisted Accounts Payable team with invoice discrepancies and payment questions from various vendors.
• Assigned workload to contracted employees and assisted with any questions or obstacles in regards to workload.
• Reviewed submissions from workload assignments daily before processing.
• Assisted in Gross Profit research during Month-End review for corporate locations and created Journal Entries if required.
• Reviewed vendors and clients with exceptional and accurate resolutions to maintain proper client relations
• Conducted weekly meetings with supervisors to provide updates and seek assistance on important projects and reports.

• Ensured customer satisfaction by answering questions and resolving issues with accounts and issues with banking
• Prepared and submitted morning reports and data daily
• Executed positive behavior to deliver legendary customer experiences consistently
• Reviewed daily accounts and made quality referrals to TD wealth management and other TD partners
• Opened personal and commercial accounts and other services for new and existing TD customers while following legal protocols
• Organized team competitions to improve and maintain product and service sales within branch
• Resolved customer complaints and issues with appropriate attitude
• Achieved individual performance goals such as sales and LEI

• Managed cash transactions such as deposits, payments, and withdrawals
• Performed audits on cash machines, ATMs, and cash drawers
• Cross sold financial products and referred customers to CSRs

• Analyzed from Gallup survey to understand customer and employee perception of branches, markets, and regions
• Participated in local networking events to acquire new customers
• Implemented operations strategy to reduce inventory by 25% and increased efficiency