Vanessa Junis-Verius
Mortgage Underwriter
Saint-Hubert,CA
Summary
Detail-oriented Mortgage Underwriter with significant background in mortgage loan origination. Proficient in reviewing extensive applications and supporting documentation, while focusing on regulatory compliance. Maintains consistent pipelines and quick turnaround times.
Overview
13
13
years of professional experience
11
11
years of post-secondary education
2
2
Languages
Work History
Mortgage Underwriter
Haventree Bank
03.2021 - Current
- Evaluated mortgage loan applications by determining creditworthiness, assessing risk and establishing loan conditions within established ‘Alt A’ and ‘B’ lending guidelines.
- Reviewed documents to satisfy all conditions, from underwriting to funding. Made careful determinations based on thorough analysis of submitted documentation covering credit history, employment records, and current financial status.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines. Verified integrity of documentation to minimize fraud.
- Maintained mortgage program compliance with agencies such as OSFI (B-20), Anti-Money Laundering (AML) and Know your Customer (KYC) legislation.
- Communicated with brokers in timely fashion regarding files submitted
- Managed high volume pipelines efficiently
- Proactively identified solutions for customers experiencing credit issues.
Mortgage Specialist
First National Financial LP
11.2014 - 03.2021
- Analyzed mortgage loan applications and credit reports to determine mortgage loan eligibility and risk level.
- Provided guidance to customers through loan application process; identified loans / products best suited for applicants, explained legal aspects, payment terms and clauses, etc ...
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Worked closely with mortgage underwriters to fix application problems and resolve issues.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Maximized portfolio retention and profitability by negotiating loan terms and conditions with customers. Identified opportunities to upsell products.
- Remained updated with latest information related to mortgage products and services being offered.
Corporate Customer Service Representative
BMO Bank of Montreal
05.2011 - 11.2014
- Provided phone and online customer service to administrators of corporations.
- Assessed lending requests, within discretionary limits
- Offered products and services from bank portfolio
- Trained new hires on day-to-day operations
- Provided Web support to customers
- Participated in team meetings and training sessions to stay informed about product updates and changes.
Education
John Molson School of Business, Bachelor of Administration -
Concordia University
Montreal, QC 01.2010 - 05.2013
DEC - International Business
Dawson College
Montreal, QC 01.2007 - 05.2009
International Education program -
André-Laurendeau High School
Saint-Hubert 01.2002 - 05.2007
Skills
Written and Verbal Communication in both English and French
Financial Analysis
Creditworthiness Determination
Regulatory Compliance
Risk Mitigation
Analytical and Critical Thinking
Problem-Solving Skills
Upselling and Cross-Selling
Customer Service
Timeline
Mortgage Underwriter
Haventree Bank
03.2021 - Current
Mortgage Specialist
First National Financial LP
11.2014 - 03.2021
Corporate Customer Service Representative
BMO Bank of Montreal
05.2011 - 11.2014
John Molson School of Business, Bachelor of Administration -
Concordia University
01.2010 - 05.2013
DEC - International Business
Dawson College
01.2007 - 05.2009
International Education program -
André-Laurendeau High School
01.2002 - 05.2007
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