Reza H. Email & Phone Number

Toronto, On, Ca

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