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Adreanna Caterini
Hamilton,Canada
Summary
Results-driven Mortgage Underwriter and Broker Relationship Manager with over 20 years of expertise in residential mortgage lending, credit adjudication, broker support, compliance, and risk assessment. Experienced in underwriting Prime and Alternative mortgage applications while ensuring adherence to lender and insurer guidelines. Recognized for building strong broker relationships, providing deal-structure expertise, and delivering exceptional service in fast-paced lending environments.
Overview
25
25
years of professional experience
Work History
Business Relationship Manager
Marathon Mortgage Corporation
Toronto, ON
04.2026 - Current
- Assisted mortgage brokers by providing information on mortgage products, lending policies, and application requirements. Reviewed mortgage applications for accuracy and compliance with underwriting standards while acting as a primary contact for broker inquiries regarding deal structuring and file status updates. Coordinated with the funding team and various departments, including underwriting and operations, to ensure smooth processing of mortgage files and timely resolutions of outstanding conditions.
Credit Adjudicator Mortgage Broker Services
First Ontario Credit Union
Woodstock, ON
08.2025 - 04.2026
- Achieved timely adjudication of residential mortgage applications, including purchases, refinances, switches, and transfers across various lending channels. Delivered comprehensive evaluations of insured and conventional mortgage transactions through thorough analysis of credit reports, income verification, employment validation, debt servicing capacity, property details, and down payment sources. Maintained strict adherence to lending policies, insurer requirements, and regulatory standards while implementing prudent risk management practices. Collaborated effectively with document specialists, funding teams, mortgage brokers, and business development managers to streamline documentation, resolve outstanding conditions, and facilitate prompt mortgage closings. Exercised delegated lending authority to make informed approval or decline decisions, identifying inconsistencies and potential fraud, while addressing policy exceptions and escalating complex files to support sound credit decisions. Sustained a high level of accuracy and communication throughout the underwriting process while managing multiple files in a dynamic environment.
Broker Relationship Manager (BRM)
Scotiabank
Toronto, ON
07.2003 - 10.2022
- Assessed end-to-end new and renewal mortgage applications submitted by brokers, ensuring strict adherence to Scotiabank policies and procedures to optimize operational efficiency. Conducted thorough document reviews to ensure compliance with insurer requirements and alignment with broker commitments. Performed consistent, unbiased risk assessments and communicated credit decisions effectively to brokers and external partners, including (SAGEN/CG/CMHC, and lawyers). Ordered and thoroughly reviewed property appraisals to ensure accuracy, compliance with lending guidelines, and consistency with loan conditions. Prioritized daily tasks to manage workflow efficiency while contributing to the refinement of policies and procedures to ensure alignment with regulatory requirements and organizational objectives. Mentored and trained new and existing underwriters, providing guidance and support on product knowledge, risk assessment, loan structuring, and compliance standards. Maintained and strengthened relationships with employees and external partners through strong communication and a customer-focused approach, consistently delivering high-quality service and real-time support and expertise.
- Awarded Best of the Best Recognition Award on an individual and for Compliance.
- Exceeded expectations for the annual review.
- Successfully helped launch a new system (MIMS).
- Managed one of the highest brokerage firms.
- Participated in cross-training opportunities.
Account Manager
RDM Financial
Oakville, ON
07.2002 - 07.2003
- Processed mortgage applications from start to finish by collaborating with clients and lenders to complete files accurately and promptly for lender review. Prepared and facilitated mortgage documentation, coordinated client sign-ups, and submitted all required documents in a timely manner. Managed appraisals, approvals, and certificates while fostering strong client relationships through regular follow-up and effective communication.
- Earned the Mortgage Consultant Certificate to enhance knowledge and service delivery.
Financial Service Representative
TD Canada Trust
Burlington, ON
06.2001 - 07.2002
- Achieved monthly sales targets by providing tailored financial solutions that met client needs. Managed an existing client portfolio and identified new business opportunities. Processed investment transactions and reviewed credit applications across various financial products. Addressed customer inquiries with professionalism and provided timely updates on application statuses.
- Completed Canadian Securities Certification
Education
Online Courses - Financial Planning
George Brown College
TorontoDiploma - Financial Planning
George Brown College
TorontoDiploma - Business Administration, Business Management
Humber College
EtobicokeSkills
- Residential Mortgage Underwriting
- Mortgage Loan Restructuring
- Pipeline & Workflow Management
- Data Privacy & Integrity
- Credit Adjudication & Risk Assessment
- Policy & Procedure Adherence
- Insurer Guidelines Compliance
- Credit & Appraisal review
- Customer Service Excellence
- Fraud Detection & Prevention
- Broker Engagement/ Relationship Building & Communication
- Regulatory Compliance
- Team Training & Mentorship
Timeline
Business Relationship Manager
Marathon Mortgage Corporation
04.2026 - Current
Credit Adjudicator Mortgage Broker Services
First Ontario Credit Union
08.2025 - 04.2026
Broker Relationship Manager (BRM)
Scotiabank
07.2003 - 10.2022
Account Manager
RDM Financial
07.2002 - 07.2003
Financial Service Representative
TD Canada Trust
06.2001 - 07.2002
Diploma - Business Administration, Business Management
Humber College
Online Courses - Financial Planning
George Brown College
Diploma - Financial Planning
George Brown College