Gary Brar Email & Phone Number

Vancouver, Canada Area

Reviewed residential mortgage applications and provided timely and sound adjudication based on company framework to ensure prudent credit and risk evaluation. Strong emphasis was placed on accurate valuation of real estate, data integrity and time management.Developed conditions for financing, loss mitigation strategies and pricing terms for all applications. For more complex transactions creative solutions were developed that were still within lending parameters of the company… Show more Reviewed residential mortgage applications and provided timely and sound adjudication based on company framework to ensure prudent credit and risk evaluation. Strong emphasis was placed on accurate valuation of real estate, data integrity and time management.Developed conditions for financing, loss mitigation strategies and pricing terms for all applications. For more complex transactions creative solutions were developed that were still within lending parameters of the company. Complete ownership of applications also meant I oversaw the full adjudication cycle from inception to final funding. Usage of advanced financial software to perform full underwrite of applications. Proprietary software along with conventional office applications such as Excel was used. Advanced knowledge of these programs were required to process applications in an efficient manner and perform pertinent financial calculations.In-depth knowledge of provincial and federal regulations for lenders was essential to conduct my responsibilities effectively and within guidelines. Compliance on all files was maintained.In depth review of financial statements, credit quality and market trends to assess strength of loan applications. Efficient management of the portfolio of files in all stages of the loan process was required. Follow up procedures to ensure timely closing of applications was completed on a regular basis. Show less

Vancouver, Canada Area

Thorough analysis and research of applicants and collateral. It was imperative to accurately identify risks at all stages of the mortgage review process. In depth review of appraisals for accurate valuation purposes was required on the majority of applications.Acted as the review and signing authority for documentation relating to conditions for final approval. Additional mitigation of risk was performed on applications with material changes. Enhanced due diligence was performed… Show more Thorough analysis and research of applicants and collateral. It was imperative to accurately identify risks at all stages of the mortgage review process. In depth review of appraisals for accurate valuation purposes was required on the majority of applications.Acted as the review and signing authority for documentation relating to conditions for final approval. Additional mitigation of risk was performed on applications with material changes. Enhanced due diligence was performed wherever required to ensure no undue risk was transferred to the firm. The high volume of work, especially during peak real estate seasons, made it imperative to work at an efficient pace. Both the quantity and quality of work produced was maintained on all applications. A dynamic lending landscape with constantly shifting regulations required consistent update of underwriting knowledge. It was imperative to be up to date with all trends in the industry to ensure compliance and no undue risk was translated to the company’s portfolio.Post funding loan reviews results were consistently satisfactory and no major deficiencies were noted. High loan quality was maintained. Show less

Real Estate, Mortgage Broker License

Bachelor Of Business Administration (B.B.A.), Finance And International Business

Excellent performance in Finance and Economic courses. These include but are not limited to: Macroeconomic Policy, Business MIS, Corporate.

Bc High School Diploma, High School/Secondary Diplomas And Certificates