Experience

Radius Financial

• Canada
• Financial Services
• 1 - 100 Employee

• Manager, Quality and Risk Assurance

  • Jun 2021 - Present



CMLS Financial

• Canada
• Financial Services
• 200 - 300 Employee

• Quality Assurance Analyst

  • Jan 2020 - May 2021



Street Capital Bank of Canada

• Escalation Manager

  • Jan 2016 - Oct 2019

  • Develop and implement procedures to increase productivity, improve process efficiency, analyze and manage risk;• Provide team members with policy/process/product knowledge training through regular one on one coaching session as well as formal team meetings;• Ensure negative trends in mortgage documentation and misrepresentation/fraud are identified, analyzed and reported.• Provide coaching to the team to teach them how to detect misrepresentation on mortgage documents;• Provide risk/fulfilment decisions within established limits while ensuring adherence to policy and guidelines;• Develop Service Level Agreements to measure team and individual productivity, while providing feedback on the trends that arise;

• Senior Credit Analyst

  • Aug 2012 - Jan 2016

  Review completed mortgage files that are deemed high risk prior to completion and advance of funds;• Provide a thorough review of the files for data integrity and compliance while reviewing Mortgage Underwriting Guidelines ,as well at the same time, ensuring the reasonability of the transaction (such characteristics as income and down payment) have been addressed;• Provide guidance and recommendations to the Mortgage Underwriter on related credit issues and findings prior to funding;• Detect what appears to be misrepresentation on a file and provide feedback to the Credit Manager and Manager of QA;• Provide training and assistance to new Senior Credit Analyst hires;• Provide assistance to Underwriters on general mortgage questions they may have;• Assist the Manager, External Partner and Audit with regularly onsite audits that are conducted by our Investors, Insurers, Regulators to ensure the file complies with Investor and B20 guidelines• Assist the Manger, External Partner and Audit in reviewing documentation for Enhanced Due Diligence Files that is issued by the insurer to provide my feedback to the Manager to proceed with the deal or decline based on the documentation provided.



First National Financial LP

• Canada
• Financial Services
• 700 & Above Employee

• Senior Mortgage Underwriter

  • Jan 2003 - Jul 2012

  • Adjudicate Mortgage Applications provided by mortgage brokers• Review and Approve or Decline applications within lender and insurer procedures and guidelines• Review purchase and sale agreements and residential appraisals• Approve bridge applications and verify accuracy of supporting documentation• Communicate with mortgage broker to ensure high quality of service is obtained and provide fast turn around service. • Provide instruction to Fulfillment Specialist and Funder when issues are found to ensure funding of deal occurs in a timely manner. Achievements:• Approval Limit to $500,000• Audit scores of 95% or above accuracy• Received 98% in First National’s online training• Work together with Training Department to create online training manual and quizzes for Underwriting and Fullfillment positions• Train New Hires in Underwriting Role• Participated in training session for funders on legal documents