Reza H. Email & Phone Number

Toronto, Ontario, Canada

• Performed a credit analysis for conventional and CMHC insured renewals and assumptions underwriting binders and a commitment letters.
• Responsible for creating a credit write-up on the cashflow, sponsorship, and property for renewals, extensions, and assumptions.
• Reviewed income analyses', rent rolls, financial statements, and operating statement for renewals, extension, and assumption.
• Liaised with solicitors, insurance consultants, investors, and, originators to ensure all First National requirements are satisfied.
• Participated in a maturity risk review by utilizing borrower's rent rolls and operating statements to underwrite income analyses for maturing loans.

Toronto, Ontario, Canada

• Compiled property and transaction details for loan approvals across various property types(multifamily, office, industrial, retail), to assist senior management's transaction and portfolioanalysis.
• Assisted in organizing and managing rent rolls and operating statements by adding them to theSharePoint site and inputting relevant data into underwriting models.
• Participated in an extensive review of the commercial mortgage portfolio's office segment toevaluate and quantify the influence of remote work on rental rates, occupancy rates, and propertyvaluations.
• Conducted detailed reviews to assess origination and annual review underwriting models, sharinginsights with the credit officer to help facilitate their review process.
• Conducted market research, extracting critical data points such as cap rates, vacancy rates,occupancy rates, average rents, and property values to analyze market trends.
• Assisted in the evaluation of new loan originations by reviewing broker packages, underwritingmodels, and qualitative factors, providing recommendations aligned with Manulife's creditstandards.

Oakville, Ontario, Canada

• Applied problem-solving skills to efficiently assist members by resolving customer inquiries, disputes, and utilizing in-depth knowledge of membership and club services.

Toronto, Ontario, Canada

• Assisted and guided clients through the paperwork process, audited approved client's paperwork, and invited agents and clients to events within the company.

Toronto, Ontario, Canada

• Experience handling cash and providing change for customers, communicating with customers from young children to seniors.
• Created a presentable and comfortable atmosphere for customers to enjoy games.

Toronto, Ontario, Canada

• Worked in a fast-paced environment helping servers and bartenders stock and clean up the bar and tables.
• Lifted and moved around heavy objects to help organize the environment.

Honours Bachelor Of Arts, English Language And Literature, General

Activities and Societies: The VarsityMajored in English Literature with a double minor in History and Writing & Rhetoric. Wrote several.

Credit, French Studies

Received a French as a Second Language academic credit in Tours, France Developed French language skills in an immersive environment