Open to opportunities

Luciana Moreli

@lucianamoreli

Senior credit & enterprise risk professional combining underwriting, portfolio monitoring, and AI-assisted risk reporting.

Canada

Message

What I'm looking for

I’m looking for a senior credit/enterprise risk role where I can adjudicate and monitor commercial portfolios, strengthen covenants and policy controls, and use SQL, Python, and AI to automate risk reporting and remediation in a regulated bank.

I’m a senior credit and enterprise risk professional with 18+ years of banking experience across Canada and Brazil. I adjudicate commercial transactions up to $50MM and guide decisions with OSFI/BCB-aligned underwriting and risk controls. I own post-funding audit, covenant monitoring, and exception remediation to protect portfolio quality.

In my most recent role, I monitor active and booked exposures at a portfolio level by tracking covenant compliance, surfacing early-warning indicators, recommending mitigation strategies, and escalating deteriorating files to risk leadership. I also contribute to process improvement and automation using SQL and foundational Python, actively leveraging AI tools (Claude, ChatGPT) to draft procedural notes, policy updates, and exception documentation. I’ve been recognized for results, ranking among the top 3 adjudicators by volume and SLA turnaround and earning “Extraordinary” performance ratings three consecutive years, including Team iSucceed (2023).

Earlier, I led full-cycle commercial underwriting across real estate, construction, cash-flow, and asset-based lending, building audit trails and written rationales that held up under regulated review. I track portfolio health with key metrics such as NPL, LDR, RAROC, and TAT, and I bring business impact from credit-committee and relationship experience, including improving portfolio profitability by 25% through risk-based pricing and RAROC-driven decisioning.

Experience

Work history, roles, and key accomplishments

Current

Commercial Credit Specialist

Current

Meridian Credit Union

Feb 2025 - Present (1 year 4 months)

Adjudicate and underwrite end-to-end commercial transactions up to $50MM, including new deals and renewals, and provide risk-rated approvals aligned to internal policy and OSFI requirements. Own post-funding audits, covenant monitoring, and exception remediation; ranked top 3 adjudicators on volume and SLA turnaround while automating portfolio monitoring and reporting with SQL and foundational Pyt

Covenant Monitoring Risk Rating & Approvals OSFI Regulated Credit Frameworks

Senior Commercial Analyst

Meridian Credit Union

Dec 2020 - Jan 2025 (4 years 1 month)

Performed full-cycle commercial underwriting across real estate, construction, cash-flow, and asset-based lending, including financial spreading, risk rating, covenant structuring, and stress/sensitivity analysis. Led annual reviews and covenant monitoring, maintained OSFI-aligned audit trails, and informed policy/limit decisions using portfolio health metrics (NPL, LDR, RAROC, TAT).

Commercial Underwriting Financial Statement Analysis OSFI Credit Review Readiness

Financial Services Business Advisor

Meridian Credit Union

Jun 2018 - Nov 2020 (2 years 5 months)

Delivered lending and investment solutions for retail and small-business members, supporting client onboarding, application intake, underwriting support, and early-stage delinquency monitoring. Followed structured KYC and onboarding procedures, escalated anomalies to compliance/risk teams, and achieved top “Exceed” performance.

Client Onboarding Underwriting Support KYC Early Stage Delinquency Monitoring Lending & Credit Advisory Customer Relationship Management

Senior Relationship Manager

Itaú Unibanco Bank S/A

Jul 2009 - Dec 2016 (7 years 5 months)

Managed a middle-market client portfolio across lending, cash management, and investment products, contributing to credit committee decisions for exposures exceeding $50MM under BCB regulatory oversight. Improved portfolio profitability by 25% through risk-based pricing and RAROC-driven decisioning while coordinating with legal/workout/servicing teams for escalations, exceptions, and recoveries.

Credit Committee Recovery Workout Coordination Risk Based Pricing

Relationship Manager

ABN AMRO Real Bank

Jan 2006 - Jun 2009 (3 years 5 months)

Built a middle-market commercial book in a new-branch environment, owning end-to-end client origination, onboarding, credit structuring, and ongoing relationship management. Doubled the active client portfolio through targeted new-client acquisition and expanded share-of-wallet while tracking portfolio performance, delinquency trends, and recovery actions.

Client Origination Relationship Management

Small Business Advisor

Santander Bank S/A

Jun 2004 - Dec 2005 (1 year 6 months)

Advised small-business clients across lending and financial products, including credit cards, insurance, term investments, and pension products. Grew portfolio profitability by 20% through needs-based recommendations and disciplined cross-sell while managing a dedicated client portfolio.

Cross Sell Credit Cards & Insurance Advisory Client Relationship Management