Aram Iqbal Desai
Milton
Summary
Dedicated and detail-oriented professional with more than 3 years of experience in the mortgage industry. A proven track record of efficiently managing loan applications from origination to closing, ensuring compliance with regulatory guidelines and company policies. Skilled in mentoring, financial analysis, risk assessment, and problem-solving, with a strong ability to foster collaboration among internal and external stakeholders. Committed to delivering exceptional service, exceeding performance targets, and driving team success in high-pressure, fast-paced environments.
Overview
10
10
years of professional experience
Work History
Senior Mortgage Funding and Accounting Officer
Scotiabank
09.2024 - Current
- Mentoring and training new funding officers, providing support on a daily basis.
- Deep understanding and expertise of all debt products offered by the department.
- Acquiring a strong knowledge on all accounting administrative processes.
- Actively looking for opportunities to learn and ways to support the team.
- All responsibilities of a Mortgage Fulfillment Officer.
Mortgage Fulfillment Officer
Scotiabank
02.2022 - 09.2024
- Responsible for processing over 1000 residential mortgage originations annually.
- Recipient of the 'Best of the Best 2023 - Top Individual Performance' award.
- Managing the files from the being committed to funds dispersed, ensuring internal debts are taken care of as per instructions and accuracy on terms post funding through rigorous checks.
- Reviewing residential mortgage prefunding and funding legal and other documents.
- Ensuring prompt, accurate and concise response and resolution to telephone and written inquiries from all stakeholders.
- Determine and escalate all out-of-policy exceptions for resolution. Taking corrective measures or recommending the same to prevent recurrence of errors/problematic situations.
- Collaborating with underwriters, advisors, lawyers and various other stakeholders ensuring smooth flow of work daily.
- Addressing any escalations, problems during all stages of funding, investigating the file, reaching resolution and communicating the same to all parties involved.
- Ensuring lawyers are compliant with the policies and their information is updated in the system.
- Ensuring strict adherence to internal bank policy and procedures including 'know your client' guidelines, privacy code, anti-money laundering (AML) regulations, such that the bank’s legal, operational, and reputation risks are always protected.
- Trained & provided guidance to new mortgage fulfillment officers, ensuring their smooth transition into the role.
Payroll & Transport Clerk
Midland Transport Limited
12.2021 - 02.2022
- Creating payroll financial reports on daily and weekly basis, presenting them to the managers.
- Issuing audit & export related documentation to drivers before they leave with a shipment.
- Facilitating driver check-ins upon their return to the location, meticulously collecting all necessary paperwork, and ensuring the completion of all delivery and pick-up runs.
- Processing payroll for more than 25 agency hired employees and more than 75 drivers daily.
- Resolving & escalating any payroll related discrepancies.
Guest services representative – Union Pearson (UP) Express
Bombardier Transportation
12.2019 - 10.2020
- Customer service to UP Express guests providing need-based solutions.
- Handling cash and credit/debit sales at point of sale.
- Filing and creating records of cash deposits, sales report at the end of every sales period.
- Crowd management and pre validating of tickets during rush hour.
- Ensuring health and safety policies are adhered to.
General production operator
Ford Motor Company of Canada
11.2018 - 08.2019
- Quality checks on cars and reporting if any variance from the standards set.
- Assembling cars on the production line with hands and power tools.
- Achieved excellent accuracy and time efficiency on all assigned jobs.
- Demonstrated critical thinking and problem solving, adhering to safety rules.
- Long working hours with extensive physical strength requirement.
Senior Executive – Procurement / Purchase Team
Star India Pvt Ltd
12.2014 - 04.2018
- Company Overview: a subsidiary of The Walt Disney Company
- Marketing, creative services and equipment cost negotiations with suppliers.
- Negotiating commercial (cost of services and conditions for payment) and liability terms.
- Review of paperwork (master service agreements, purchase orders) and ensuring proper filing.
- Liaison with the creative, legal, finance teams and suppliers providing support and guidance.
- Building and maintaining vendor relationships through effective communication.
- Year-on-year savings of 30% on assigned budgets through knowledge driven negotiations.
- Recognized among the top 120 employees out of approximately 5000 for maximum contribution to Star India’s growth.
- A subsidiary of The Walt Disney Company
Education
Post Graduate Diploma - Business Management
Narsee Monjee Institute of Management Studies
01.2011
Bachelor of Commerce - Major in Accounts
Sydenham College of Commerce & Economics, University of Mumbai
06.2009
Skills
- Ability to multitask
- Strong sense of prioritization
- Ability to work independently
- Collaborative team player
- Excellent interpersonal skills
- Excellent organizational skills
- Relationship building skills
- Customer focused
Timeline
Senior Mortgage Funding and Accounting Officer
Scotiabank
09.2024 - Current
Mortgage Fulfillment Officer
Scotiabank
02.2022 - 09.2024
Payroll & Transport Clerk
Midland Transport Limited
12.2021 - 02.2022
Guest services representative – Union Pearson (UP) Express
Bombardier Transportation
12.2019 - 10.2020
General production operator
Ford Motor Company of Canada
11.2018 - 08.2019
Senior Executive – Procurement / Purchase Team
Star India Pvt Ltd
12.2014 - 04.2018
Bachelor of Commerce - Major in Accounts
Sydenham College of Commerce & Economics, University of Mumbai
Post Graduate Diploma - Business Management
Narsee Monjee Institute of Management Studies
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