Dev Gosine Email & Phone Number

Toronto, On, Ca

Toronto, Ontario, Canada

Underwriting of Commercial loan applications and optimizing loan terms while balancing prudent lending practices and mitigating potential risks. Presenting deals to commercial credit for approval and submission to investors and/or CMHC underwriting queue. Manage approval processes, work through commitment letter creation & negotiation. Seek final approval.Work through funding process with stakeholders (Lawyers, investors, CMHC, borrower)Assist origination with lead management, identify potential opportunities, manage key account relationships.Identify Macroeconomic trends which directly affect lending, credit decisions and capital markets.

Toronto, Ontario, Canada

Toronto, Canada Area

Manage the functions within the mortgage administration scope that include but not limited to: document management, payments, statements, holdbacks/reserves, insurance and annual financial reviewsManage the assigned mortgage portfolio proactively to ensure that all required conditions for commercial mortgages are fulfilled to the satisfaction of investors and CMHCManage the portfolio as per FN internal servicing and policy standardsRespond to inquiries from borrowers and investors as per servicing and policy standardsObtain and review legal final document package as per mortgage Commitment Letter and update systemGenerate statements for information, assumptions and discharges from mortgage systemReview and analyze annual insurance requirementsReview and manage fire insurance claims (non-default)Prepare discharge documents and other related security documents for executionAssess and recommend decisions with respect to Holdbacks, Undertakings, LOC’s and ReservesObtain and review the Annual Financial Reports to ensure the loan criteria is valid with no material adverse changesPerform changes to mortgage loans and update the mortgage system appropriatelyWork collaboratively with multiple internal departments such as Origination, Accounting, Renewal, Tax, Escrow, Default and Investor RelationsApply problem solving skills in solving issues and to meet service standardsBring issues forward for improvement in service to customers and efficiencies in processesComplete special projects as assigned by management

Toronto, Canada Area

Work with members to identify and service their needs by providing the appropriate products to ensure their experience with Meridian is beyond expectations. Cross-trained employees to facilitate more efficient work flow processes. Performed day-to-day transactions for incoming members. Worked with team to reach sales targets and NPS scores. Maintained Net Promoter Score of 100. Volunteered to coordinate United Way Campaign for Members and Employees.

Diploma Of Education, Real Estate Development

Diploma In Urban Land Economics (DULE) with an emphasis on development.

Bachelor Of Commerce - Bcom, Economics, B

Activities and Societies: Economics Course UnionMajor in Economics, Minor in Finance. Proficient in Stata, R, Microsoft Word, PowerPoint.