David Davies
Fredericton
Summary
Astute and methodical Senior Mortgage Underwriter with significant experience working with all types of customers and lenders. Proficient in reviewing and analyzing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer’s needs. Driven mortgage underwriter with a successful track record in mortgage and home lending product sales. Demonstrates strong interpersonal skills and exceptional service throughout the sales process. Experienced manager/underwriter with an extensive background in loans and mortgages. Excellent reputation for resolving problems, improving customer satisfaction and driving overall operational Improvements.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Mortgage Underwriting Manager
Scotiabank
08.2021 - 09.2025
- Evaluated underwriting applications to determine risk levels and ensure compliance with company policies.
- Analyzed market trends to adjust underwriting strategies, ensuring alignment with industry standards and competitive positioning.
- Conducted quality control reviews of underwriting files, identifying areas for improvement and mitigating potential risks.
- Collaborated with cross-functional teams to streamline workflows, enhancing operational efficiency and client satisfaction rates.
- Presented findings to senior management, driving strategic initiatives that improved underwriting processes and profitability.
- Ensured efficient workflow management by establishing clear priorities and monitoring progress regularly.
- Proactively identified areas for process improvement within the department, implementing changes that led to increased efficiency across teams.
- Maintained compliance with regulatory requirements by staying updated on industry changes and adjusting policies accordingly.
- Reduced loss ratios while maintaining competitive rates through diligent risk selection and adherence to company guidelines.
- Improved underwriting performance by streamlining processes and implementing best practices.
- Maximized revenue generation by optimizing pricing strategies based on risk profiles.
Senior Mortgage Agent/Underwriter
8Twelve Mortgage Corporation
11.2020 - 07.2021
- Interview and acquire relevant information to evaluate each customer on where their particular application will best fit.
- Prepare and present each application to the appropriate lender with accompanying supporting documentation.
- Verify integrity of applicants’ information to minimize fraud.
- Comply with all regulatory requirements.
- Arrange signings and review all documentation with customers.
- Follow up with customers after closing to thank them and request feedback with the goal of improving the process and experience for each successive customer.
Senior Mortgage Underwriter
Canada East Mortgages
01.2007 - 11.2020
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Applied grades to each mortgage application based on established criteria to keep institutional risk low.
- Verified integrity of applicants’ information to minimize fraud.
- Made careful determinations based on skilled analysis of submitted documentation covering credit histories, employment records and current financial status.
- Complied with all regulatory requirements.
Branch Manager
Wells Fargo Financial
02.1998 - 01.2007
- Recommended loan approvals and denials based on customer loan application reviews.
- Met deadlines by proactively managing individual and team tasks and implementing process improvements.
- Assessed employee performance and developed improvements plans.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Engaged team members in business processes with positive motivational techniques.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring/termination processes in timely and productive ways and coaching team members on company protocol.
Education
B.Ed. - Middle School Mathematics
University of New Brunswick
Fredericton, NB01.1994
BBA - Economics
University of New Brunswick
Fredericton, NB01.1988
Skills
- Financial analysis aptitude
- Relationship development
- Operational improvements
- Residential loans and mortgages
- Customer service expertise
- Underwriting guidelines
- Credit analysis
- Pipeline management
- Teamwork and collaboration
- Problem-solving
- Time management
- Reliability
- Critical thinking
- Effective communication
- Adaptability and flexibility
- Self motivation
Accomplishments
* Received several awards for pipeline management including detail orientation and multiple awards for fraud detection and keeping the bank safe through my most recent employer.
* Nationally recognized for outstanding customer service by
three employers.
* Improved the volume growth results in the
branch I managed from last in Atlantic Canada out of a dozen
locations to second overall in less than six months.
* Reduced delinquency by fifteen percent across all product lines in that same time period.
* Promoted three times in eighteen months by
the first company I worked for.
* Graduated from UNB, First Division in my business degree.
* Achieved the Dean’s List upon graduation from the Education program at UNB-Fredericton.
Certification
* Besides my extensive work experience, I have held mortgage broker licenses in several different provinces prior to my most recent employer which didn't require I maintain those licenses. Successfully completed the NB realtor licensing course. Completed an advanced management certificate through UNB Fredericton.
Timeline
Mortgage Underwriting Manager
Scotiabank
08.2021 - 09.2025
Senior Mortgage Agent/Underwriter
8Twelve Mortgage Corporation
11.2020 - 07.2021
Senior Mortgage Underwriter
Canada East Mortgages
01.2007 - 11.2020
Branch Manager
Wells Fargo Financial
02.1998 - 01.2007
BBA - Economics
University of New Brunswick
B.Ed. - Middle School Mathematics
University of New Brunswick