Ankita Kukreja
Brantford,ON
Summary
Experienced finance professional with over 13 years of progressive experience across finance, mortgage lending, underwriting, customer service, and marketing. Brings more than 7 years of expertise in the finance industry, including over 3 years specializing in the mortgage sector as an underwriter and licensed agent. Known for strong analytical skills, regulatory compliance knowledge, customer-focused decision-making, and the ability to manage complex financial transactions while maintaining high service standards.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Mortgagebroker.ca
Toronto, Ontario
02.2024 - Current
- Underwrite residential mortgage applications across multiple lenders, ensuring compliance with insurer, lender, and regulatory guidelines.
- Review and analyze borrower documentation including income verification, credit reports, liabilities, down payments, and property details.
- Assess risk and make sound lending decisions using both automated underwriting systems and manual reviews.
- Work closely with mortgage agents, lenders, insurers, and fulfillment teams to resolve conditions and discrepancies efficiently.
- Maintain turnaround times while managing a high-volume pipeline with accuracy and attention to detail.
- Provide clear underwriting decisions and guidance to internal stakeholders to support smooth file progression and client satisfaction.
- Stay current with changing lender policies, insurer guidelines, and industry regulations.
Mortgage Underwriter
Bespoke Mortgage Group
Toronto, Ontario
07.2022 - 09.2023
- valuate and underwrite mortgage applications ensuring compliance with company policies and regulatory requirements.
- Conducted credit analyses for home financing applications for clients with complex financial situations.
Analyze financial documents and conducted thorough reviews of borrower's credit history, income documentation, employment verificatio
Financial Advisor
TD Canada Trust
Toronto, Ontario
09.2018 - 06.2022
- Awarded as "Legend 2020- most prestigious award in TD retail channel".
- Recognized in the district for hitting all the metrics in customer service and targets on the scorecard right after starting the role in the first three months.
- Most surveyed representative by the clients in the branch.
- Ranked amongst Top 10 in the North district with highest sales amongst peers in the branch.
- 100% Legendary experience indicator mark, signifying excellent customer service skills with maximum client retention ensuring transactions are executed timely and accurately.
Marketing Manager
Mankind Pharma Pvt. Ltd.
Delhi, India
03.2012 - 12.2017
- Launched "first-time in India" product. The product contributed to 4.5% of the overall portfolio business in the launch year with a growth of 24%. Product ranked no.1 in its category.
- Category beating growth of one of the brands (18% against 7%) with growth in all parameters like market share, product and category growth and incremental sales volume.
- Conducted product presentations at conferences, workshops, developed marketing policies and provide educational training to representatives and clients.
- Handled creative development, print proofs, inventory management, review audits and coordinated data transfers.
- Interacted with various departments ensuring alignment between marketing, sales, quality, procurement, regulatory, operations, advertising agencies, linguistic services, QA, etc.
- Conducted regular check-ins with clients to assess satisfaction, identify pain points, and recommend appropriate solutions.
- Led training sessions and workshops to educate clients on product features and best practices.
Education
Bachelor of Technology -
Amity University
India01.2012
Skills
- CMHC, Sagen, and Canada Guaranty guidelines
- Broker channel policies
- Regulatory compliance
- AML awareness
- Fraud detection and risk mitigation
- Documentation review
- Credit bureau interpretation
- Cash flow analysis
- Risk-based decision making
- Scenario analysis
- Attention to detail
- Technical skills
- Mortgage origination systems
- Excel data analysis
- Word and PDF editing
- File management tracking
- Stakeholder and insurer communication
- Cross-functional collaboration
- Time management
- Mortgage underwriting
- Retail sales and marketing
- Financial analysis
- Risk Assessment
- Customer Service
- Client Relationship Management
- Financial Strategies
Certification
- IFIC (Investment Funds in Canada)
- Mortgage Agent Level 1
References
Available upon Request
Timeline
Mortgage Underwriter
Mortgagebroker.ca
02.2024 - Current
Mortgage Underwriter
Bespoke Mortgage Group
07.2022 - 09.2023
Financial Advisor
TD Canada Trust
09.2018 - 06.2022
Marketing Manager
Mankind Pharma Pvt. Ltd.
03.2012 - 12.2017
Bachelor of Technology -
Amity University