Deeksha Anand Email & Phone Number

Calgary, Alberta, Canada

- Reviewing the authenticity and verifying the accuracy of income, down payment and property documentation using sound diligence whilst ensuring compliance to all internal policies and guidelines in order to satisfy or enforce sound judgment on files. - Assessing Appraisals, Purchase Agreements, Property Tax Bills, Condominium documents, builder agreements and all Addenda to evaluate risk-worthiness of subject property and assessing other owned properties. - Analyzing LOE’s, paystubs, T4’s, T1 Generals, NOAs, financial Statements, business license’s, T2’s, T4A’s and all other thirdparty employed and BFS Applicants’ income documentation to evaluate credibility of income sources. - Analyzing bank statements, investment statements, RRSP statements, GIC investment statements, sale agreements and all addenda and all other down payment documentation to verify its consistency and accuracy with requirements. - Assessing unique documentation i.e. court orders, divorce agreements, inspection reports, floor plans, specifications to complete verification on different situations affecting file integrity and ratios. - Possessing sound knowledge on GDS/ TDS ratios and making strong recommendations to senior Underwriter, to bring ratios back in line in case of deficiencies in income, down payment or property requirements. - Having a thorough understanding of policies, product specifications (Manulife One & Manulife Select) to ensure complete compliance to internal Procedures and serving the best service levels to broker-channel and therefore, our clients. - Having a detailed understanding of different mortgage products offered i.e. Small Business owner/ Equity programs with net worth and liquid asset requirements and conventional mortgage products with minimal credit/property/income risk requirements.

Canada

-Creating Mortgage Pre-approval, Purchase (Approval), and Refinance applications, using Filogix Software for submissions for A and B lenders, ensuring supporting documentation is presented in a clear and consistent manner. -Completing thorough analysis of mortgage and commercial applications, evaluating and framing conditions for Clients individually.-Assessing TDS, GDS and LTV ratios are presenting an accurate representation of the clients’ profiles and offering explanations in case of minor discrepancies. -Analyzing income and down payment documents, purchase agreements, floor plans, appraisal reports and financial statements thoroughly for the purpose of presenting to lenders.-Preparing and calculating commissions for completed mortgage deals and sending to the concerned lenders for verification. -Using Microsoft Excel to maintain a perfect track record of mortgages, commercial mortgages and Business Loan applications, updating the status in real-time for the perusal of our business. -Creating Applications for Financing Businesses by pulling guarantor’s credit reports and disclosing all liabilities and assets in real time, computing individual net worth and providing supporting documentation (Financials, Corporate Searches) for Business Loans. -Communicating professionally with Accountants to order financial statements, Interims, Accounts Receivable and Payable Reports and with lawyers for Title Searches, property tax statements and disbursements statements. -Fulfilling Office Administration tasks including monitoring email inbox diligently, answering phone calls, processing cheques and invoices, ordering essential office supplies and organizing files in a perfect manner.

Toronto, Canada Area

- Designated Accounts Receivable Accountant for numerous trade shows, including Fan Expo, Interior Design Show, Mega Con etc.- Computing all sales booth accounting in person for Trade shows and serving as the accounting department liaison with show sales team.- Processing online orders and payments from Clients across the world- Processing cheques, wires and credit card payments from the daily bank activities- Downloading daily lockbox reports and balancing out all discrepancies to show management- Assisting in preparation of schedules for trade shows with an accounting perspective- Analyzing as well as compiling data of sales orders, booked booths for monthly and yearly audits- Maintaining current records of all present retailers, artist booths to present to show sales team and finance team- Doing Collection calls as per schedule, according to the time allotted for singular artistsa and retailers to make payments- Backup to the other Accounts Receivable Accountant for all other trade shows- Backup for balance registration accounts for all other trade shows

Vaughan, Ontario, Canada

- Performing full bookkeeping cycle using Sage 50 Pro Accounting software‐ Computing Payroll for all employees; applying accurate deductions & earnings‐ Managing Invoicing; recording purchase invoices from vendors & creating Sales Invoices for business clients‐ Tracking Accounts Payable and Accounts Receivable; sending aged overdue receivable statements to customers and ensuring vendors are paid within the corresponding invoice term dates‐ Financial statements including weekly statements, month‐end statements and year-end financial statements‐ Creating and sending cheques manually & depositing customer cheques’ using deposit books‐ Ensuring utility & other bills (i.e. electricity, gas, automobile & group health insurance) paid before deadlines‐ Computing remittance amounts for payroll tax, HST/GST, WSIB and being an authorized CRA representative‐ Processing Visa statements, performing bank reconciliations and WSIB Reconciliations‐ Maintaining all Administrative duties; transferring calls, ordering office supplies and resuming a receptionist role

North York, Ontario, Canada

- Preparing and submitting personal income tax returns with use of TaxPrep software for different profiles, applying all credits in the applicable province individually for clients- Using T4 statements, T5 statements, Rent Receipts, T2 statements and all other tax documents to enter the Income amounts-Generating T1 General Tax Returns for Clients for their perusal- Preparing bi-weekly, weekly and monthly payroll for employees of several business clients including CPP, EI and tax deductions using the online CRA Payroll calculator- Assessing pay periods, pay dates calculations, Year-to-Date calculations diligently to ensure complete accuracy for Payroll.- Completing bookkeeping tasks for clients using Quickbooks and Sage 50, including entering all A/R, A/P and general journal entries.- Performing monthly reconciliations for business bank statements and credit card statements to ensure the book entries match the real-time transactions that took palce- Analyzing all bookkeeping data and preparing financial statements including balance sheets, income statements and statement of retained earnings- Maintaining very good relations with clients and possessing excellent written and verbal communication skills.- Using Microsoft Excel to create payment reports for client payments, clientele discounts and for statistical analysis purposes.- Monitoring email inbox, answering phone calls and addressing all client concerns, with the appropriate solutions.

Toronto, Canada Area

-Handled excel datasheets for data analysis-Created a filing system for all previous years' Tax forms -Filed Personal Income Taxes-Bookkeeping Tasks -Financial Statements Preparation-Ordered supplies for office-Performed an administrative role for business clients

Toronto, Canada Area

- Organizing floor events for socializing and educational purposes- Maintaining discipline and a healthy, safe environment for all students- Taking responsibility for situations on residence and handling them well- Promoting minimal alcohol use at Residence, especially common areas- Being available for any support or assistance towards students, peers and other members of residence community

Toronto, Canada Area

-Coordinate orientation events for fresh high-school graduates-Public speeches for different departments to introduce students to the new college

Toronto, Canada Area

-Advocate students’ voices at Residence and represent their needs and demands to the council to make an impact on the decisions taken by the higher Residence Life Team.

Greater Jakarta Area, Indonesia

Diploma, Accounting, Gpa: 81%

Activities and Societies: Business Law, Statistics, Intermediate Accounting courses, Financial ControllershipRecipient of 100% Humber Full.

Business/Commerce, General, Gpa (Average): 95.67%

Activities and Societies: English Literature, Business & Management, Economics, French (Higher Level) Computer Science Mathematics