Lloyd Marimootoo
Mississauga ,ON
Summary
Bilingual Credit Analyst experienced in financial analysis and credit risk assessment in banking environments across Canada and Mauritius. Negotiated risk mitigation strategies that enhanced portfolio performance and delivered tailored financial solutions while ensuring compliance. Returning to Toronto in January 2027, with flexibility to adjust based on employer needs.
Overview
1
1
Language
19
19
years of post-secondary education
12
12
years of professional experience
Work History
Credit Analyst
SBM Bank Mauritius Lrd
Port Louis, MRU
08.2025 - Current
- Analyse Financials of financial institutions and Sovereigns Macroeconomic performance.
- Conduct annual review of Sovereigns and Financial Institutions.
- Reviewed reports from Moody’s, Fitch, and S&P to evaluate changes in counterparty risks.
- Calculated Risk Adjusted Returns(RAROC) for potential deals over Cost of Funding.
- Validate Expected Credit Loss with Risk Management Team.
- Reporting to the Strategy Team for loan breakdowns and segments.
- Negotiated subscriptions with Moody's and analyzed market feedback on fees and other credit agencies.
- Facilitated client meetings to gather funding requirements.
Credit Analyst
Citi Card Canada Inc
Mississauga, ON
11.2023 - 04.2025
- Analyzed credit applications to assess financial risk and creditworthiness.
- Reviewed financial statements to determine borrowers' repayment ability.
- Review credit reports such as Dun and Brad and Equifax.
- Determine credit approval or denial using judgmental lending practice.
- Review signed documents on Docusign.
Corporate Banking Officer
SBM Bank Mauritius Ltd
Port Louis, MRU
01.2023 - 05.2025
- Worked as an Assistant Relationship Manager in view to provide an impeccable service for high net worth Corporates.
- Processed account openings and closures in compliance with regulations.
- Conducted financial transactions efficiently using banking software tools.
- Request increase in overdraft limits.
- Regularly review exempt limits of Clients.
- Regular follow ups for updated audited financials in view to conduct annual review.
Credit and Collections Officer
SBM Bank Mauritius Ltd
Port Louis, MRU
01.2018 - 04.2023
- Assisted Customers in finding the best solutions for delinquent accounts.
- Regular Client meetings and requested necessary documents in view to perform moratorium on loans and credit cards.
- Collaborated with Risk Management Team in view to report stage 2 and stage 3 loans transfers.
- Review valuations of securities and site visits of Customer assets to determine provisions to be made by the Bank.
- Analyzed financials for Corporates to determine performance and debt service coverage.
Bank Teller/Customer Service Officer
Mauritius Commercial Bank Limited
Port Louis, MRU
11.2014 - 12.2017
- Assisted customers with account inquiries and provided information on banking services.
- Processed customer transactions efficiently and accurately at Mauritius Commercial Bank.
- Operated banking software to manage customer accounts and transaction records.
- Worked in the contact center in view to attend Customer queries.
Education
Affiliate Status - ACCA
Association of Chartered Certified Accounts
11.2014 - 09.2025
MBA - Masters In Business Administration
Management College of Southern Africa
01.2023 - 06.2025
Advanced Diploma - Advanced Diploma In Accounting And Business
Association of Chartered Certified Accounts
12.2024 - 02.2025
PGDBM - Postgraduate Diploma In Business Management
Management College of Southern Africa
12.2021 - 12.2022
BBA - Bachelor in Business Administration
Management College of Southern Africa
12.2017 - 12.2021
Diploma - Diploma in Accounting And Business
Association of Chartered Accountants
11.2014 - 01.2015
Skills
- Credit risk assessment
- Financial analysis
- Sovereign and Financial institutions
- Large Corporates
- Collections: Retail & Corporates
Languages
English
Full Professional
Timeline
Credit Analyst
SBM Bank Mauritius Lrd
08.2025 - Current
Advanced Diploma - Advanced Diploma In Accounting And Business
Association of Chartered Certified Accounts
12.2024 - 02.2025
Credit Analyst
Citi Card Canada Inc
11.2023 - 04.2025
Corporate Banking Officer
SBM Bank Mauritius Ltd
01.2023 - 05.2025
MBA - Masters In Business Administration
Management College of Southern Africa
01.2023 - 06.2025
PGDBM - Postgraduate Diploma In Business Management
Management College of Southern Africa
12.2021 - 12.2022
Credit and Collections Officer
SBM Bank Mauritius Ltd
01.2018 - 04.2023
BBA - Bachelor in Business Administration
Management College of Southern Africa
12.2017 - 12.2021
Bank Teller/Customer Service Officer
Mauritius Commercial Bank Limited
11.2014 - 12.2017
Affiliate Status - ACCA
Association of Chartered Certified Accounts
11.2014 - 09.2025
Diploma - Diploma in Accounting And Business
Association of Chartered Accountants
11.2014 - 01.2015