Vishaka H. Email & Phone Number

Toronto, Ontario, Canada

Provide advanced administrative support to the Loan Operations, Customer Relations, Commercial Underwriting and Grant Administration teams, including: acting as backup for Loan Officers when required, meeting coordination, lending document preparation and management, coordination of marketing events, client interaction and specific tasks and projects as assigned.Respond to internal and external data requests, including audit summaries for loan information and produce reports for senior… Show more Provide advanced administrative support to the Loan Operations, Customer Relations, Commercial Underwriting and Grant Administration teams, including: acting as backup for Loan Officers when required, meeting coordination, lending document preparation and management, coordination of marketing events, client interaction and specific tasks and projects as assigned.Respond to internal and external data requests, including audit summaries for loan information and produce reports for senior management and municipalities regarding the status of the loan applications and cash flow activity.Provide annual information statements, payment statements and interest accrual statements to clients/municipalities as required.Administer payments for IO’s loan portfolio.Administer property tax payments as part of loan portfolio management duties.Provide a high level of administrative support to various teams based on the overall priorities and deliverables due at any given time.Any other tasks and responsibilities as required. Show less

Toronto, Ontario, Canada

Interact with customers to accurately collect mortgage arrears in a timely manner.Follow up continuously with borrowers to resolve mortgage arrear items.Identify and implement successful workout strategies and repayment schedules to collect mortgage arrears.Complete mortgage payment postings.Accurately prepare pre-authorized payments where required.Accurately prepare and send out arrear’s letters, demand letters, discharge statements, information statements, mortgage… Show more Interact with customers to accurately collect mortgage arrears in a timely manner.Follow up continuously with borrowers to resolve mortgage arrear items.Identify and implement successful workout strategies and repayment schedules to collect mortgage arrears.Complete mortgage payment postings.Accurately prepare pre-authorized payments where required.Accurately prepare and send out arrear’s letters, demand letters, discharge statements, information statements, mortgage repayment schedules and general tasks associated with the legal process of power of sale proceedings.Liase with solicitors and real estate agents as part of the power of sale process.Update mortgage accounts with required comments ensuring the accuracy of current mortgage status. Show less

Follow up on past due Residential & Commercial mortgage accounts including HELOC, LOC & Syndicated loans, resolve client discrepancies, outstanding payments and negotiate alternate payment arrangements.Monitor, maintain and reduce delinquency of assigned accounts by proactively making collection calls, sending written correspondence and documenting all collection activities. Process residential & commercial mortgage, syndicated loan, HELOC, LOC loan payments. Update and maintain various… Show more Follow up on past due Residential & Commercial mortgage accounts including HELOC, LOC & Syndicated loans, resolve client discrepancies, outstanding payments and negotiate alternate payment arrangements.Monitor, maintain and reduce delinquency of assigned accounts by proactively making collection calls, sending written correspondence and documenting all collection activities. Process residential & commercial mortgage, syndicated loan, HELOC, LOC loan payments. Update and maintain various reports for tracking purposes in Mortgage Share.Recommend & Instruct past due mortgage accounts to lawyers for legal action.Prepare Demand Letters, Arrears Notices, Arrears Statements and Discharge Statements for SOC & NOS purposes.Follow up and monitor all steps of the legal process. Reinstate accounts from power of sale proceedings. Process Discharges for Residential, Commercial mortgages, HELOC, LOC & Syndicated loans and close accounts.Fill out all forms and follow up with Trustees & Member's on Consumer Proposals and Bankruptcies.Follow up on Condo Liens,Tax Liens and taking appropriate actions.Conduct HELOC annual reviews ensuring risk mitigation.Manage Property Tax Portfolio - paying taxes in timely manner. Follow up with clients for past due arrears and investigate discrepancies with tax bills and late penalties. Show less

Greater Toronto Area, Canada

Assessing reasons for default and negotiate payment arrangements with clients.Handling defaults with speed and accuracy while maintaining professionalism.Identifying opportunities to mitigate potential risk and improve on daily operationaltasks.Having a solid focus on critical goals to achieve business success.Controlling risk on assigned portfolio and comply with regulatory and legislative requirements pertaining to collections and enforcement.Managing both out-bound… Show more Assessing reasons for default and negotiate payment arrangements with clients.Handling defaults with speed and accuracy while maintaining professionalism.Identifying opportunities to mitigate potential risk and improve on daily operationaltasks.Having a solid focus on critical goals to achieve business success.Controlling risk on assigned portfolio and comply with regulatory and legislative requirements pertaining to collections and enforcement.Managing both out-bound and in-bound collection calls.Providing outside the box remedial solutions to clients.Researching and addressing any client account discrepancies.Communicating/working with Finance team to ensure payments are processed accurately.Undertaking underwriting reviews on early delinquencies.Handling insolvencies and preparation of proof of claims.Meeting and striving to exceed prescribed performance metrics.Maintaining established objectives for delinquency and net losses.Staying informed of any changes to policies and procedures.Escalating more complex or difficult issues to the Manager, Client Accounts Management.Making recommendations to the Manager, Client Accounts Management on unique collection cases.Preparation and assignment of delinquent loans to law firms for legal enforcement. Show less

Maintained key relationships and provided excellent service to all internal and external clients including brokers, borrowers, solicitors, and third parties.Assisted and coordinated with the broker to acquire any outstanding signed documents or conditions from the borrower(s).Reviewed all documents and information presented to ensure all the conditions are met. Examples: Mortgage Information Statements, Tax Statements, etc.Provided instructions to Solicitors to fund the… Show more Maintained key relationships and provided excellent service to all internal and external clients including brokers, borrowers, solicitors, and third parties.Assisted and coordinated with the broker to acquire any outstanding signed documents or conditions from the borrower(s).Reviewed all documents and information presented to ensure all the conditions are met. Examples: Mortgage Information Statements, Tax Statements, etc.Provided instructions to Solicitors to fund the deal.Followed up and provided support to Solicitors to ensure deals closes in an expedited manner. Communicated with management, brokers, borrowers, our retained lawyer or law clerk, real estate agents both through phone and email.Kept brokers/clients apprised on the status of their files at all times.Prepared requisitions for funds and had the Admin team transfer funds on time to fund and close the deals. Processed brokers Finder’s Fees on timely manner. Foster positive relationships within the brokerage community.Processed closed files with Solicitor’s closing package.Provided “up-to-date” updates to brokers and management. Performed day to day tasks in a fast-paced environment.Adhered to all Company established policies and procedures. Show less

Oshawa, Ontario, Canada

Strives for one-call resolution of customer issues.Completes ongoing training to stay abreast of products, services and policy changes.Increases the customer’s experience by providing information on new products and services through up selling.Assists the subscriber’s with emergency, roadside assistance, routing and concierge service calls.

Ajax, Ontario, Canada

Met with customers to determine their financial needs, then assisted in the completion of their mortgage or line of credit application.Processed residential, commercial mortgages, Purchase, Refinance and Line of Credit applications.Prepared documents for second/third mortgages, renewals, discharges and private construction loans.Communicated effectively with lenders, solicitors and appraisers by telephone or in person.Ensured that all mortgage closings were completed on time by… Show more Met with customers to determine their financial needs, then assisted in the completion of their mortgage or line of credit application.Processed residential, commercial mortgages, Purchase, Refinance and Line of Credit applications.Prepared documents for second/third mortgages, renewals, discharges and private construction loans.Communicated effectively with lenders, solicitors and appraisers by telephone or in person.Ensured that all mortgage closings were completed on time by verification that all lender’s conditions were met prior to the mortgage advance date.Managed staff of four, interviewed and trained full and part-time recruits.Followed up on delinquent payments on private mortgages, and updated the (MAP) Mortgage Application Program system daily.Completed back-up duties for the Real Estate Administrator. Show less

Toronto, Ontario, Canada

Handled established and new accounts effectively, while adhering to the company’ guidelines.Worked efficiently on closing past due accounts, and ensured that collections were received in a timely manner.

Bachelor Of Arts - Ba, Business Economics And Minor In Management Information Systems

Diploma, Business Administration

Certificate, Lower School & High School