Alvita Maxie Texeira
Vancouver,Canada
Summary
Seasoned Mortgage Underwriter with comprehensive knowledge in loan origination, risk assessment, and financial analysis. Known for keen attention to policy compliance and underwriting guidelines while ensuring timely processing of applications. Demonstrated strengths include analytical problem-solving skills, decisive judgement, and solid communication abilities. Notable contributions include streamlining processes for efficiency in previous roles.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Senior Manager – Mortgage Underwriter & Approver
HDFC BANK Limited
Mumbai, INDIA
07.2023 - 03.2025
- Supervised a team comprising of eight mortgage credit underwriters.
- Scrutinized credit underwriting recommendations to ensure effective risk management through diligent evaluation.
- Experienced in assessing and approving mortgage proposals for global high-net-worth clients (including clients residing in the USA, Canada, the UK, Dubai, Singapore, Hong Kong, France, and Germany) efficiently, and maintaining positive relationships with them.
- Delivered timely mortgage solutions while applying a high degree of accuracy and quality to the file during the underwriting process.
- Partnered with internal policy teams to create new products and policies to enhance business, ensuring compliance with regulatory norms.
Manager - Mortgage Credit Underwriter
HDFC BANK Limited
Mumbai, India
01.2021 - 06.2023
- Performed risk analysis and completed appropriate due diligence for the mortgage applications received.
- Analyzed financial statements to assess eligibility of individual and non-individual entity applications.
- Managed high volumes while maintaining focus on service excellence by streamlining the applications.
- Proficient in the detailed analysis and interpretation of diverse credit bureau reports (CIBIL, Experian, Equifax, TransUnion).
- Met turn-around timelines with precision during the underwriting process.
- Collaborated with legal and technical teams to ensure secure mortgages.
- Facilitated strong professional relationships by offering outstanding service to both internal and external clients.
- Implemented strategies to manage credit conflicts, resulting in customer satisfaction.
Deputy Manager - Branch Operations
HDFC BANK Limited
Mumbai, India
01.2017 - 12.2020
- Provided direct assistance to customers efficiently, while maintaining high service standards.
- Administered day-to-day operational activities in the mortgage lending department within the branch.
- Cultivated deeper connections with clients through effective trust-building and product cross-sales.
- Adhered to AML protocols focusing on KYC regulations.
- Organized, managed, compiled and reviewed high volumes of mortgage documentation meeting required service levels.
- Worked in collaboration with the Credit Quality Assurance, and Funding teams to ensure targets are being met.
- Provided liaison and support for all business partners.
- Evaluated real estate markets and recommended lending terms to maximize Business Development potential.
- Facilitated the smooth flow of loan files from application to closing, ensuring accuracy and completeness of documentation.
- Evaluated the feasibility of mortgage loans based on legal, technical, and credit factors.
- Acted as liaison for internal teams (loan officers, underwriters, processors) and external partners to address operational challenges.
Education
Master In Management Studies - Finance - CGPA 5.18
Xavier Institute of Management And Research
Mumbai, India05-2017
Bachelor of Commerce - Accounting and Finance - CGPA - 5.51
Mulund College of Commerce - Mumbai University
Mumbai, India03-2015
Skills
- Analytical and critical thinking
- Ability to make sound decisions with confidence
- Excellent communication, negotiation, and interpersonal skills
- Ability to adapt to changing needs and priorities
- Strong organizational, analytical, and problem-solving abilities
- Computer literate: knowledge of Microsoft Office and Salesforce
- Good time management skills
- Team collaboration
- Leadership skills
Languages
English
Native/ Bilingual
Certification
- Canadian Investment Funds Course (CIFC) - IFSE
Interests
Cooking
Baking
Fitness
Travelling
Watching documentaries
DIY art
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Don’t judge each day by the harvest you reap, but by the seeds you plant.
Robert Louis Stevenson
Software
MS Office
Work Preference
Work Type
Full TimeWork Location
On-SiteRemoteHybridImportant To Me
Career advancementWork-life balanceCompany CultureFlexible work hoursPersonal development programsWork from home optionTeam Building / Company RetreatsPaid sick leaveHealthcare benefitsPaid time offTimeline
Senior Manager – Mortgage Underwriter & Approver
HDFC BANK Limited
07.2023 - 03.2025
Manager - Mortgage Credit Underwriter
HDFC BANK Limited
01.2021 - 06.2023
Deputy Manager - Branch Operations
HDFC BANK Limited
01.2017 - 12.2020
Master In Management Studies - Finance - CGPA 5.18
Xavier Institute of Management And Research
Bachelor of Commerce - Accounting and Finance - CGPA - 5.51
Mulund College of Commerce - Mumbai University
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