Nalini Ramjass | Manager, Loan Review

Nalini Ramjass

Manager, Loan Review

BMO Financial Group

Toronto, GTA · 10+ Yrs Banking Tenure · Second Line Oversight

Career Trajectory

Chronological oversight & career track

BMO Track

Current Leadership Position

Manager, Loan Review

BMO Financial Group · June 2026 – Present

Leadership Governance Audit Readiness Compliance Risk & Review

Key Accountabilities & Strategic Impact

Lead the Loan Review program for the BrokerEdge portfolio, providing independent oversight of lending quality, policy adherence, and control effectiveness across broker-originated files.
Manage and coach a team of analysts, strengthening capability, consistency, and depth of risk assessment across broker channel reviews.
Own end-to-end review execution, delivering clear, data-driven insights on emerging risks, control gaps, and portfolio trends to senior leadership.
Act as a subject matter expert on broker channel governance, providing credible challenge on complex deals, exception handling, and high-risk scenarios.
Support enterprise Loan Review activities across BMO proprietary portfolios, contributing to audit execution, regulatory readiness (OSFI, Corporate Audit), and consistent application of review standards.

Core Strengths & Disciplines

Enterprise risk, governance & lending proficiencies

10 Areas

Loan Review Leadership & BrokerEdge Portfolio Ownership People Leadership & Team Capability Uplift Lending Quality, Governance & Audit Readiness Risk Insights, Thematic Analysis & Executive Reporting Stakeholder Influence across Business, Risk & Audit 1st & 2nd Line of Defence Oversight & Governance Broker Channel Governance & Regulatory Expertise (B-20, Internal Policy) Issues Management, Remediation & Sustainment Strategy Audit & Regulatory Engagement (OSFI, Corporate Audit) Change Management & Continuous Improvement

Credentials & Education

Degrees, professional certifications & continuous education

7 Credentials

Bachelor of Arts (BA), Economics University of Guyana
Business Management - Sales & Marketing American Management Association
Automation Business Analysis UiPath / IIBA
Leadership Development Journey Professional Development
Introduction to Psychology Professional Development
Information Technology for Customer Service Professional Development
Applications: Merlin, CCAPS, MDIF, CFS, Optimizer, TORIC, BMA, Excel, MS Office Professional Development

Corporate Recognitions

Honors for risk management & leadership excellence at BMO

9 Honors

BMO Ambition 2025 Annual Award Winner
BMO 2025 Q1 Grand Ovation Winner
BMO Spotlight Award | March 2021
BMO Spotlight Award | June 2020
BMO Spotlight Award | May 2019
BMO Spotlight Award | June 2017
BMO Spotlight Award | November 2016
BMO Spotlight Award | September 2016
BMO Spotlight Award | March 2016

Executive Summary

As a Risk Governance Leader with over a decade of experience at BMO Financial Group, I specialize in navigating complex credit market shifts to drive portfolio resilience and operational excellence. In my current role, leading the Loan Review program for the BrokerEdge portfolio, I provide independent oversight of lending quality across third-party originations. I ensure our frameworks balance robust institutional governance with sustainable business growth.

Throughout my career, I have consistently transformed complex data into actionable risk strategies that influence enterprise-wide decision-making. Whether managing a $50M+ annual underwriting portfolio, delivering data-driven insights on emerging vulnerabilities, or ensuring continuous regulatory readiness for Corporate Audits, my focus remains on safeguarding institutional assets. I bring deep expertise in B-20 real estate secured lending guidelines, AML/KYC oversight, and advanced portfolio analytics to provide a credible, objective challenge on complex deals and high-risk scenarios.

Beyond independent oversight, I am a strategic leader dedicated to building high-performing teams and fostering a proactive risk-awareness culture. By mentoring analysts and leading cross-functional QA initiatives, I have successfully elevated analytical rigor across departments, in one instance, slashing a team’s appeal success rate from 35.6% to 10% while boosting overall productivity by 20%. As the banking landscape shifts, my focus remains on embedding transparency, strengthening overarching control frameworks, and delivering the strategic insights senior executives rely on to optimize risk-adjusted returns.

Core Strengths & Governance Disciplines

Loan Review Leadership & BrokerEdge Portfolio Ownership

People Leadership & Team Capability Uplift

Lending Quality, Governance & Audit Readiness

Risk Insights, Thematic Analysis & Executive Reporting

Stakeholder Influence across Business, Risk & Audit

1st & 2nd Line of Defence Oversight & Governance

Broker Channel Governance & Regulatory Expertise (B-20, Internal Policy)

Issues Management, Remediation & Sustainment Strategy

Audit & Regulatory Engagement (OSFI, Corporate Audit)

Change Management & Continuous Improvement

Professional Experience

Manager, Loan Review — BMO Financial Group

June 2026 – Present

Lead the Loan Review program for the BrokerEdge portfolio, providing independent oversight of lending quality, policy adherence, and control effectiveness across broker-originated files.
Manage and coach a team of analysts, strengthening capability, consistency, and depth of risk assessment across broker channel reviews.
Own end-to-end review execution, delivering clear, data-driven insights on emerging risks, control gaps, and portfolio trends to senior leadership.
Act as a subject matter expert on broker channel governance, providing credible challenge on complex deals, exception handling, and high-risk scenarios.
Support enterprise Loan Review activities across BMO proprietary portfolios, contributing to audit execution, regulatory readiness (OSFI, Corporate Audit), and consistent application of review standards.

Senior Analyst, Loan & Appraisal Review — BMO Financial Group

January 2025 – June 2026

Orchestrate independent loan reviews for 50+ complex files monthly, ensuring rigorous adherence to policy, exception governance, and risk appetite while documenting defensible rationales for regulatory scrutiny.
Spearhead the identification of emerging risk trends and recurring defect themes; advise leadership on material control gaps and architect targeted remediation strategies to strengthen methodology.
Champion enterprise fraud and AML detection by surfacing identity mismatches and data inconsistencies, initiating critical referrals, and streamlining timely escalation pathways.
Drive continuous improvement by enhancing SOPs and Loan Review Checklists in response to audit themes, elevating standardization, documentation quality, and overall governance alignment.
Lead Corporate and OSFI audit readiness initiatives, ensuring that evidence, mitigation rationales, and approvals strictly exceed internal standards.

Lead Quality Control Analyst — BMO BrokerEdge

October 2023 – January 2025

Oversaw compliance and regulatory adherence by executing 60+ rigorous quality control reviews monthly on broker-originated files.
Directed enhanced due diligence and fraud detection protocols to intercept suspicious activity and proactively escalate enterprise risk concerns.
Partnered cross-functionally with finance leaders to investigate and remediate B-20 compliance gaps, overseeing the withdrawal and correction of impacted applications.
Spearheaded Second Line of Defence investigations, delivering executive-level root cause insights and actionable fixes to prevent recurrence.
Served as Interim Lead for a 10-member QA team, driving governance consistency and upskilling new hires through comprehensive mentorship programs.

Senior Credit Underwriter — BMO Financial Group

April 2022 – October 2023

Adjudicated 185+ auto financing credit applications weekly, applying advanced financial analysis and robust risk assessment methodologies.
Managed a high-volume loan portfolio totaling $50M+ annually, strictly enforcing BMO policy and regulatory standards.
Sustained a 98% loan approval accuracy rate and 95% SLA compliance, setting a benchmark for quality within the department.
Optimized the funding pipeline by delivering precise data to funders, enabling a 30% acceleration in credit decision processing.
Led training and mentorship initiatives for junior underwriters, accelerating team productivity by 20% and embedding a strong risk culture.

Relationship Manager — BMO Financial Group

April 2018 – April 2022

Managed a portfolio of 500+ clients, achieving 115% of annual sales targets through tailored financial solutions.
Increased client retention by 25% through relationship building and proactive engagement.
Exceeded sales targets by 120% by cross-selling loans, investments, and insurance solutions.
Maintained NPS of 95%+, delivering high-quality service and timely issue resolution.
Adjudicated high-limit credit applications and escalated risks to preserve portfolio quality.

Personal Lending & Investment Specialist — BMO Financial Group

October 2016 – April 2018

Conducted risk analysis for 200+ home financing and personal loan applications annually, achieving 98% policy compliance.
Implemented process improvements that reduced loan processing time by 25%.
Stayed current on lending trends and increased new business by $5M+ through client insights.
Analyzed credit bureaus and financial data for 500+ clients, driving improved credit outcomes.
Resolved 95% of client issues on first contact and escalated complex cases promptly.

Everyday Banking Mentor — BMO Financial Group

July 2016 – October 2016

Mentored and coached new hires.
Provided constructive feedback and created action plans.
Listened, monitored calls, and identified areas of improvement.
Prepared coaching reports.
Monitored and recorded trainees' progress.

Everyday Banking Associate — BMO Financial Group

July 2015 – July 2016

Acted as a trusted consultant for customers, providing sound financial advice and recommending appropriate products and services to meet their needs.
Used critical thinking to remain solution-focused and recognize the big picture.
Identified opportunities to help customers and grow the business.

Repayment Counsellor — D+H (Davis and Henderson)

September 2011 – February 2014

Provided customer service to student loan borrowers via telephone.
Administered customer accounts through inbound and outbound calling.
Resolved repayment challenges for student loan borrowers.
Counselled and educated borrowers about their loans and debt management options.
Identified the best option for each borrower's unique situation.
Negotiated debt management solutions while maintaining brand image.
Processed customer requests to update loan account information.
Managed difficult customer behaviours and emotions.

Executive Summary

Career Trajectory

Manager, Loan Review

Key Accountabilities & Strategic Impact

Core Strengths & Disciplines

Credentials & Education

Corporate Recognitions

Executive Summary

Core Strengths & Governance Disciplines

Professional Experience

Credentials & Education

Honours & Recognitions