Sonya G. Email & Phone Number

• Sound knowledge of underwriting policies and procedures while preparing and issuing mortgage commitments within established service level agreement/turnaround times• Review and verify accuracy of required documentation related to the mortgage commitment requirements including income validation, down-payment, collateral, mortgage statements, etc • Evaluate real estate and associated risks in a volatile market • Adept at building and maintaining effective work relationships with… Show more • Sound knowledge of underwriting policies and procedures while preparing and issuing mortgage commitments within established service level agreement/turnaround times• Review and verify accuracy of required documentation related to the mortgage commitment requirements including income validation, down-payment, collateral, mortgage statements, etc • Evaluate real estate and associated risks in a volatile market • Adept at building and maintaining effective work relationships with internal and external partners ie borrowers, brokers, solicitors, etc • Maintain direct contact with mortgage originators via updates specific to the application, fulfillment through to closing• Apply Due diligence when processing applications and reviewing documents by utilization of additional search engines and tools provided for validation• Maintaining high standard of fulfilling obligations regarding Anti- Money Laundering, Know Your Customer and compliance, etc Show less

• Prepare and issue mortgage commitments with appropriate conditions and established service level agreement/turnaround times.• Prioritize application and workflow to ensure consistent and sound risk assessments are maintained while managing high volumes with a continued focus on service excellence• Establish and maintain positive relationships with mortgage brokers to build loyalty to the company• Interact and maintain positive relationships with external partners such as mortgage… Show more • Prepare and issue mortgage commitments with appropriate conditions and established service level agreement/turnaround times.• Prioritize application and workflow to ensure consistent and sound risk assessments are maintained while managing high volumes with a continued focus on service excellence• Establish and maintain positive relationships with mortgage brokers to build loyalty to the company• Interact and maintain positive relationships with external partners such as mortgage insurers, appraisers, title insurance companies and solicitors• Adjudicate mortgage applications within established authority limits while ensuring adherence to policies and guidelines• Ensure due diligence has been completed prior to signing off on any mortgage conditions or documents, where applicable Show less

• Detailed working knowledge of principles of credit analysis and risk management• Understanding of credit score• Ability to understand financial statements and assess financial viability • Building productive relationships with mortgage brokers, internal mortgage agents and related business partners• A very strong customer focus with the ability to ensure the customer experience is a positive one• Managing work volumes to meet short timelines with a high level of quality

Toronto, Ontario, Canada

• Determine and obtain all pertinent credit information such as proof of income, down payment, etc, while conducting appropriate due diligence to ensure it meets the lender’s credit and quality standards• Providing excellent customer service, including efficient turnaround time to brokers, while building and maintaining positive working relationships• Working in collaboration with the Underwriting Team to ensure targets are being met and exceed• Effectively manage pipeline to… Show more • Determine and obtain all pertinent credit information such as proof of income, down payment, etc, while conducting appropriate due diligence to ensure it meets the lender’s credit and quality standards• Providing excellent customer service, including efficient turnaround time to brokers, while building and maintaining positive working relationships• Working in collaboration with the Underwriting Team to ensure targets are being met and exceed• Effectively manage pipeline to ensure documentation is received on time• Adhere to applicable compliance obligations including Privacy, Anti-Money Laundering/Anti-Terrorist Financing and internal Anti-Fraud Policy requirements• Develop a thorough knowledge of the Lender’s retail products, policies and procedures Show less

Toronto, Ontario, Canada

• Ability to build and maintain positive relationships.• Evaluate and recommend mortgage applications by assessing customer’s credit history, collateral and income or ability to pay within established guidelines in order to make sound underwriting judgments when approving mortgages.• Attention to detail by gathering and documenting necessary reports about the applicant(s) such as credit history, income, title reports, and/or appraisals, etc, and noting on the Filogix system.• Handle… Show more • Ability to build and maintain positive relationships.• Evaluate and recommend mortgage applications by assessing customer’s credit history, collateral and income or ability to pay within established guidelines in order to make sound underwriting judgments when approving mortgages.• Attention to detail by gathering and documenting necessary reports about the applicant(s) such as credit history, income, title reports, and/or appraisals, etc, and noting on the Filogix system.• Handle large volumes of applications, correspondence and telephone inquiries from customers, solicitors, brokers and co-workers.• Submit applications to CMHC , Genworth and Canada Guaranty for approval Show less

Toronto, On

• Devise and execute business development strategies to attract and acquire new clients and generating new business from alternate sources i.e. branch network, realtors, lawyers, financial planners, etc. • Evaluate and analyze clients’ financial situation while assisting them in choosing the right type of mortgage, specific to their needs and goals. • Negotiate and recommend residential applications, within established guidelines, to the various lenders, while staying informed on their… Show more • Devise and execute business development strategies to attract and acquire new clients and generating new business from alternate sources i.e. branch network, realtors, lawyers, financial planners, etc. • Evaluate and analyze clients’ financial situation while assisting them in choosing the right type of mortgage, specific to their needs and goals. • Negotiate and recommend residential applications, within established guidelines, to the various lenders, while staying informed on their products and policies. • Follow up on supporting documents from clients, real estate agents, lawyer, etc, to fulfill lender conditions in a promptly manner. • Developing and maintaining the relationships with clients, realtors, lawyers, etc, while keeping them informed through out the application process and after completion; referrals; and keeping in constant contact with clients to maintain database. Show less

Maple, On

• Developing and strengthening client relations by providing excellent customer service. • Negotiated and recommend residential applications to be secured by new or existing real estate to lenders. • Review credit information, documents and appraisals prior to submitting it to the lenders. • Followed up on outstanding conditions and documents while performing due diligence. • Handled correspondence and telephone inquiries from customers and solicitors.

Toronto, On

• Assemble, valuate and recommend mortgage applications by assessing the merits of the applicant(s) by looking at their credit history, collateral, income and ability to pay within established guidelines, in order to make a sound underwriting judgments while ensuring the Lender’s credit and quality standards are met prior to approving mortgages. • Analyze and obtain receipt of all relevant information about the applicant(s) and documenting reports such as income, down payment, title… Show more • Assemble, valuate and recommend mortgage applications by assessing the merits of the applicant(s) by looking at their credit history, collateral, income and ability to pay within established guidelines, in order to make a sound underwriting judgments while ensuring the Lender’s credit and quality standards are met prior to approving mortgages. • Analyze and obtain receipt of all relevant information about the applicant(s) and documenting reports such as income, down payment, title reports, and/or appraisals, etc, and noting on the Filogix system. • Handle large volumes of applications, correspondence and telephone inquiries from customers, solicitors, brokers and co-workers while building and maintaining positive relationships• Ordering and reviewing appraisals for conventional mortgages, when required.• Obtaining Mortgage Insurance approval, from CMHC, Genworth and Canada Guaranty, for insured loans• Developed a training manual for underwriters on Morweb Show less

Toronto, On

• In-depth knowledge and experience of the non-conforming business. • Evaluating and recommending mortgage applications by assessing customer’s credit history, collateral and income or ability to pay within established guidelines. • Gathering and documenting necessary reports about the applicant(s) such as credit history, income, title reports, and/or appraisals and noting on the Filogix system. • Ensuring that non-conforming underwriting and quality control meet the… Show more • In-depth knowledge and experience of the non-conforming business. • Evaluating and recommending mortgage applications by assessing customer’s credit history, collateral and income or ability to pay within established guidelines. • Gathering and documenting necessary reports about the applicant(s) such as credit history, income, title reports, and/or appraisals and noting on the Filogix system. • Ensuring that non-conforming underwriting and quality control meet the requirements of MNM risk management, credit enhancer and investors. • Making sound underwriting judgments when approving non-confirming mortgages. • Submitting applications to CMHC/Genworth/AIG United Guaranty for approval Show less

Markham, On

• In-depth knowledge and experience of the non-conforming business.• Adhered to company policies and procedures while making a sound judgment in the underwriting process• Trained and developed new team members• Assisted in the development of a training manual for new underwriters with Human Resources.• Reviewed and facilitated deals appealed by Brokers and/or Business Development Managers• Acted in a Leadership Role in the absence of Senior Management as required.•… Show more • In-depth knowledge and experience of the non-conforming business.• Adhered to company policies and procedures while making a sound judgment in the underwriting process• Trained and developed new team members• Assisted in the development of a training manual for new underwriters with Human Resources.• Reviewed and facilitated deals appealed by Brokers and/or Business Development Managers• Acted in a Leadership Role in the absence of Senior Management as required.• Involved in an “In-house” underwriting project at Invis head office. Show less

• Negotiate, approve, recommend and decline within established guidelines and authorized lending limits residential applications to be secured by new or existing real estate.• Underwrite applications for assumptions, title transfers, ports, bridges, equity take outs and purchases.• Review credit information and appraisals.• Follow up on outstanding conditions/documents and perform due diligence of underwriting documents before signing off on conditions.• Handle large… Show more • Negotiate, approve, recommend and decline within established guidelines and authorized lending limits residential applications to be secured by new or existing real estate.• Underwrite applications for assumptions, title transfers, ports, bridges, equity take outs and purchases.• Review credit information and appraisals.• Follow up on outstanding conditions/documents and perform due diligence of underwriting documents before signing off on conditions.• Handle large volumes of correspondence and telephone inquiries from customers, solicitors, brokers and co-workers.• Submit applications for CMHC/ Genworth approval. Show less

Toronto, On

• Primary contact for general customer inquires on savings, investments, business banking, mortgages, credit products and services.• Actively contribute to/lead department meetings, campaigns and initiatives.• Proactively offer suggestions for process and customer service improvements.• Ensure complete understanding of and exercise sound judgment when overriding or authorizing a transaction.• Demonstrate integrity, enthusiasm, flexibility, problem solving and communication… Show more • Primary contact for general customer inquires on savings, investments, business banking, mortgages, credit products and services.• Actively contribute to/lead department meetings, campaigns and initiatives.• Proactively offer suggestions for process and customer service improvements.• Ensure complete understanding of and exercise sound judgment when overriding or authorizing a transaction.• Demonstrate integrity, enthusiasm, flexibility, problem solving and communication skills, while promoting a positive image.• Participate in the training and development of staff.• Adhere to all company processes and controls to ensure minimal losses and errors.• Assist senior management as appropriate. Show less

Bachelor Of Professional Studies, College Of Education, Elementary Education And Teaching

Financial Services Underwriting Graduate Certificate

Bachelor Of Arts (B.A.), Sociology