Amanpreet Sadioura
Toronto
Summary
Experienced Mortgage Underwriter & Mortgage Assistant with over 4 years of expertise in evaluating loan applications and assessing financial risk for residential properties. Proficient in handling conventional, commercial, and private loans. Possesses a deep understanding of credit analysis, loan origination, and closing processes. Known for exceptional time management and task prioritization skills. Dedicated to ensuring accurate and efficient loan processing.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Infinite Mortgage Solutions Inc.
01.2023 - Current
- Review and analyze loan applications, credit reports, and financial statements to assess borrower eligibility and risk factors.
- Verify income, employment, and assets to ensure compliance with company guidelines and industry regulations.
- Evaluate property appraisals, title reports, and other documentation to confirm loan eligibility and mitigate risk.
- Approve, deny, or recommend loan applications based on thorough risk assessment and underwriting criteria.
- Communicate with loan officers, processors, Solicitors and clients to resolve issues and request additional documentation when necessary.
- Identify potential fraud risks and inconsistencies, escalating issues for further investigation when needed.
- Provide exceptional customer service by ensuring timely and clear communication throughout the underwriting process.
Mortgage Assistant
Infinite Mortgage Solutions Inc.
02.2022 - 01.2023
- Assisted clients with mortgage inquiries, providing detailed explanations of loan options, rates, and the application process.
- Guided clients in gathering necessary documentation, including income verification, credit reports, and property details.
- Collected, reviewed, and verified mortgage application documents, ensuring all required paperwork was complete and accurate.
- Entered client data into the mortgage systems Filogix, mortgage boss & Velocity to initiate loan processing and underwriting procedures.
- Managed the tracking and follow-up of loan applications to ensure a smooth and efficient approval process.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
Real estate Assistant
Remax Realty Specialist Inc. Brokerage
09.2021 - 12.2022
- Assisted clients with the buying, selling, and leasing process, ensuring smooth communication between clients and agents.
- Scheduled property showings, meetings, and appointments for clients and real estate agents.
- Prepared and proofread real estate documents, including contracts, agreements, and listing forms.
- Managed online property listings, ensuring accurate and up-to-date information on MLS (Multiple Listing Service) platforms and other real estate websites.
- Followed up with clients post-closing to ensure satisfaction and encourage future referrals or repeat business.
- Assisted in managing the company's social media presence, posting property listings, updates, and promotional content.
Education
Computer Networking & Technical Support -
Humber College of Arts & Technology
04.2017
Skills
- Application analysis
- Data interpretation
- Underwriting guidelines
- Residential mortgage lending regulations
- Documentation review
- LTV calculations
- Credit analysis
- Debt-to-income ratios
- Income verification
- Appraisal review
- Loan approval
- Time management abilities
- Attention to detail
- Analyze financial histories
- Decision-making
- Risk assessment
Languages
English
Punjabi
Hindi
Certification
- Certified-Mortgage Agent Level 1
Timeline
Mortgage Underwriter
Infinite Mortgage Solutions Inc.
01.2023 - Current
Mortgage Assistant
Infinite Mortgage Solutions Inc.
02.2022 - 01.2023
Real estate Assistant
Remax Realty Specialist Inc. Brokerage
09.2021 - 12.2022
Computer Networking & Technical Support -
Humber College of Arts & Technology
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