ANDREW YU
Montréal
Summary
Banking professional with Equitable Bank for almost 10 years with proven track record in financial services and customer relationship management. Adept at analyzing financial data, managing accounts, and implementing risk management strategies. Strong focus on teamwork and achieving measurable results, adaptable to changing needs. Reliable, resourceful, and skilled in regulatory compliance and financial software.
Overview
9
9
years of professional experience
Work History
Mortgage Underwriter
Equitable Bank
05.2023 - Current
- System used: SIT PPLUS and Genesis
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Mortgage Officer
Equitable Bank
02.2018 - 05.2023
- Reviewing of files, correspondence with mortgage brokers to request outstanding documents
- Streamlined mortgage application process by implementing efficient document management systems.
- Adjudicate the documents as per FINTRAC, AML guidelines and company's policies and procedures
- Obtain and review required documentation on anti-money laundering (AML) and anti-terrorist financing (ATF) requirements
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies
- Responsible for time management of their deal flow in order to meet prescribed deadlines
Mortgage Renewal Specialist
Equitable Bank
08.2016 - 02.2018
- Educated customer and brokers on variety of loan products and available credit options to promote valuable decision-making
- Ensured mortgage retention rate of loans renewed exceeds company's expectations
- With strong attention to detail, ensured accuracy of all documentation related to mortgage renewals, reducing the risk of errors and potential penalties.
- Enhanced client retention rates by proactively identifying opportunities for improved loan terms based on market trends.
Education
Bachelor of Commerce -
Concordia University / John Molson School of Business
Montreal, QC01.2015
Skills
- Genesis
- SIT PPLUS
- Microsoft Office
- Word
- Excel
- OneNote
- AML & ATF practices
- Attention to detail
- Time management
- Analytical skills
- Problem solving skills
- Decision making under pressure
- Team player
Languages
English
Full Professional
French
Professional Working
Timeline
Mortgage Underwriter
Equitable Bank
05.2023 - Current
Mortgage Officer
Equitable Bank
02.2018 - 05.2023
Mortgage Renewal Specialist
Equitable Bank
08.2016 - 02.2018
Bachelor of Commerce -
Concordia University / John Molson School of Business
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