Toronto · Finance Professional

Finance, Analysis & Decision-Making

Experience spanning finance, credit, legal transactions, financial modelling, portfolio risk and business analysis.

See selected work ↘ Open résumé ↗

4 YearsExperience across credit, risk, lending & legal transactions

$800KMonthly credit & collections target consistently exceeded

91.1%Humber Advanced Diploma GPA

4.28/4.33Cumulative TMU BComm GPA

01 / SELECTED WORK

Selected work.

Finance, valuation, credit and research work, plus one published personal finance book.

Credit analysis

Commercial Mortgage Credit Memorandum

Credit review of an $800,000 commercial mortgage for a 13-room Northern Ontario motel, covering DSCR, LTV, stress testing, RWA/CET1 impact, RAROC, covenants, due diligence and risk mitigants.

DSCRLTVStress TestingRAROC

Open credit memo↗

Financial modelling & valuation

Alphabet Inc. DCF Analysis

Full financial-statement model with segment-level revenue build, WACC analysis, free cash flow forecasting, terminal value under perpetuity-growth and exit-EBITDA methods, valuation output and key-risk analysis.

3-StatementDCFWACCValuation

Open DCF report↗

Economic research

Is Canada in a Housing Bubble?

A quantitative analysis of speculative risk and structural realities in Canadian housing, examining price-to-income, price-to-rent, leverage, credit risk and structural supply factors.

HousingLeverageMacroResearch

Open research paper↗

Publication

Money, Mistakes & Everything in Between

Personal finance book focused on investing, compounding, budgeting, debt, income growth and lifestyle creep.

View book ↗

02 / EXPERIENCE

Finance, credit & transaction execution.

Commercial portfolio management, underwriting, collections, secured lending, corporate filings and real-world transaction execution.

Jan 2023 — Jul 2025

Riviera Finance of Texas, Inc.

Account Executive, Credit and Risk

Managed credit and risk responsibilities across a diversified commercial portfolio spanning logistics, staffing, co-packing and other operating businesses.
Underwrote commercial credit requests, assessed repayment capacity and authorized exposures within delegated authority, escalating larger or higher-risk approvals when required.
Reviewed Equifax and Ansonia bureau data, payment history and borrower information to support underwriting and ongoing credit decisions.
Monitored portfolio exposure and covenant compliance across active accounts, identifying early signs of deterioration and changing risk.
Managed client relationships throughout the credit lifecycle, including account maintenance, collection activity and resolution of past-due balances.
Negotiated payment plans and worked through delinquent accounts while balancing recovery, client retention and portfolio protection.
Prepared delinquency, write-off and monthly rebate reports for management review and portfolio oversight.
Drafted and verified recourse agreements, addendums and demand-for-payment notices supporting enforcement and credit documentation.
Authorized Wire, EFT and ACH transactions while applying internal controls and security-default provisions to protect portfolio exposure.

Performance: consistently exceeded the $800,000 monthly credit and collections target.

Sep 2021 — Dec 2022

SK Lawyers Professional Corporation

Legal Assistant

Managed transaction files supporting high-value real estate and business closings from document preparation through registration and closing follow-up.
Drafted and reviewed transactional agreements, closing documents and supporting legal documentation for real estate and business matters.
Registered legal instruments and interests, including transfers and PPSA security registrations, and handled related filing and perfection requirements.
Worked on private lending, mortgage and refinancing transactions with direct exposure to lender security, collateral structures and closing documentation.
Incorporated companies and prepared and filed corporate forms and other required corporate records.
Managed ongoing corporate maintenance, including annual returns, amendment filings and updates to corporate information.
Supported asset purchase and sale transactions, including preparation, review and organization of transaction documents and closing materials.
Handled corporate and real-estate filing requirements across multiple active matters, coordinating registrations and documentation needed to complete transactions.
Prepared estate planning documentation, including wills, alongside corporate, lending and transactional work.

Scope: hands-on execution across real estate, corporate, private lending, secured transactions and business closings.

Jan 2021 — Apr 2021

Humber College

PASS Leader, Business Finance 300

Led weekly peer-study sessions for 25 students and built revision packs, mock tests and quizzes.
Simplified difficult finance concepts and targeted recurring problem areas.

Performance: increased the course pass rate by approximately 10%.

03 / CREDENTIALS

Technical foundation. Finance-first trajectory.

Economics, business, financial modelling and applied credit analysis.

Education

Toronto Metropolitan University

Bachelor of Commerce
Economics & Management Science · 2025–2027
Dean's Honours List

4.28 / 4.33 GPA

Education

Humber Polytechnic

Advanced Diploma
Business Administration · 2019–2021
Dean's Honours List

91.1%

Professional training

Wall Street Prep

Excel Crash Course
Financial Statement Modeling
Debt Capital Markets Basics

Publication

Money, Mistakes & Everything in Between

Author of a personal finance book focused on practical money decisions, investing and long-term wealth building.

04 / CAPABILITIES

Finance, analysis & execution.

Credit & Finance

Credit UnderwritingCovenant MonitoringFinancial Statement AnalysisPortfolio Risk Management

Technical

Advanced ExcelForecasting & Sensitivity AnalysisFinancial ModelingEquifax & AnsoniaPPSA Registration

Professional

Risk-Based Decision MakingClient Relationship ManagementLegal DocumentationDelinquency Reporting

Let’s talk

Focused on finance roles where analysis drives decisions.

Based in Toronto and completing a BComm in Economics & Management Science. Interested in banking, corporate finance, credit, risk and analytical finance roles.

Emailtapan.patel.work@gmail.com↗ LinkedInlinkedin.com/in/tapanpatel12↗ RésuméOpen PDF↗