Kerem Hasip Email & Phone Number

Canada

Toronto, Ontario, Canada

• Reviews real estate appraisals, client identification, client credit history, income verification and repayment capacity, and overall underwriting requirements to ensure that the risk profile of the loan falls within.
• With focus on Loan Originations, develop analytical and statistical approaches to file section and evaluation that develop insights into underwriting quality and ensures sample selection and size is appropriate from.
• Build, validate, and implement risk-based scorecards, file section methodology and reporting methods to measure file quality and provide feedback on a timely basis
• Works closely with the mortgage underwriting, appraisal and income verification teams, providing guidance and assistance in maintaining operational effectiveness

• Accomplishments: A top performing underwriter who consistently hit either stretch or super stretch performance targets.
• Evaluate residential mortgage loans risk in a timely basis based on sound underwriting decisions
• Clarify risk by requesting additional information
• Verify mortgage application information against loan criteria guidelines and standards
• Ensure compliance with underwriter market standards
• Ensure a timely turnaround for the review of mortgage documentation

• Handle all mortgage condition fulfillment to ensure a smooth funding process
• Restructure existing deals based on our client’s needs and financial requirements (Adjust down payment, client’s income, mortgage amount etc.)
• Assess customers credit worthiness
• Ensure awareness and compliance of all aspects of the QA program
• Work with all partners to ensure a timely and accurate funding of all mortgage deals
• Develop and maintains successful relationships with business referral sources / mortgage brokers

• Reviewed appraisal reports for properties located all across Canada. This provided a high level of exposure to several different real estate markets / property types Canada wide
• Work with appraisers and underwriters/branch banking representatives to ensure appraisal reports are completed by a specified completion date
• Ensured accuracy of information contained in appraisals while also verifying that the appraisal report meets the standards and guidelines set in place by the lender

Toronto, Canada Area

Toronto, Canada Area

Started in an entry level role as a CSR and was promoted to a CRC and finally an FSR.