Open to opportunities

Gabriel Toubia

@gabrieltoubia

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Senior Credit, Risk and Portfolio Manager with 20+ years of experience.

United States

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What I'm looking for

I seek a role that values strategic oversight and team collaboration, fostering growth.

I am a seasoned Senior Level Credit, Risk and Portfolio Manager with over 20 years of experience in formulating credit policy and providing strategic oversight for middle market commercial credit portfolios. My expertise spans across banks, equipment finance organizations, and private wealth clients, where I have managed credit functions exceeding $3 billion in loan exposures. I excel in navigating complex financial landscapes, conducting thorough credit risk assessments, and driving sustainable growth for organizations.

Throughout my career, I have led and mentored teams of credit analysts, ensuring the integrity of financial evaluations and credit decisions. My experience includes overseeing credit requests, managing loan quality control, and maintaining compliance with internal and external regulations. I hold an MBA with a concentration in Finance and have completed specialized training in investment banking, which has equipped me with a robust understanding of financial structures and risk management.

My work ethic is unparalleled, and I pride myself on my professionalism, accountability, and adaptability. I am committed to fostering team collaboration and mentoring others, believing that my extensive background and proven track record can contribute significantly to the success and growth of any organization.

Experience

Work history, roles, and key accomplishments

Senior Credit Officer

The Savings Bank

May 2021 - Sep 2023 (2 years 4 months)

Oversaw the management of commercial loan portfolios, ensuring creditworthiness of new proposals and renewals. Led a team of credit analysts, managed credit risk, and minimized losses across 250 commercial relationships. Developed strategies to monitor high-risk accounts and facilitated annual reviews.

Credit Risk Management Team Leadership Financial Analysis Risk Assessment Underwriting Policy Development Regulatory Compliance

Vice President, Portfolio Manager

Citizens Bank

Nov 2015 - Jul 2018 (2 years 8 months)

Managed underwriting for Line of Credit transactions in the Private Wealth Division, overseeing proposals for high-net-worth clients. Increased loan approvals significantly and developed analytical templates for collateral coverage analysis.

Underwriting Portfolio Management Financial Analysis Risk Mitigation Cash Flow Analysis

Senior Credit Consultant

Independent Credit Consultant

Jan 2013 - Jul 2015 (2 years 6 months)

Provided consulting services to financial institutions, focusing on underwriting and risk management for equipment financing. Developed financial templates and assisted in launching new divisions.

Risk Management Financial Spreading Underwriting Portfolio Management Credit Risk Architecture Market Research Consulting Financial Analysis

Vice President - Credit Officer

Citibank

Nov 2011 - Jul 2013 (1 year 8 months)

Conducted financial analysis and risk assessments for corporate banking proposals. Managed a portfolio of accounts and presented findings to senior credit officers, ensuring compliance with credit policies.

Financial Analysis Risk Assessment Portfolio Management Due Diligence

Vice President / Portfolio Officer

TD Equipment Finance

May 2006 - Oct 2010 (4 years 5 months)

Underwrote equipment financing transactions and managed a diverse portfolio. Developed analytical tools to streamline the underwriting process and mentored junior analysts.

Underwriting Portfolio Management Financial Analysis Mentorship

Credit Risk Manager

GMAC Commercial Finance

Oct 2003 - Apr 2006 (2 years 6 months)

Managed underwriting and portfolio reviews for equipment financing. Developed strategies for new business markets and maintained compliance with risk management standards.

Underwriting Portfolio Management Risk Management Market Development Compliance Financial Analysis

Education

Degrees, certifications, and relevant coursework

Binghamton University

Master of Business Administration, Finance

Earned a Master of Business Administration with a Concentration in Finance, focusing on advanced financial management and strategic decision-making.

State University of New York, College at Brockport

Bachelor of Science, Business Administration

Completed a Bachelor of Science in Business Administration with a Minor in Economics, gaining foundational knowledge in business principles and economic theory.