Elizabeth Richardson
Devon,Canada
Summary
Diligent and strong background in mortgage underwriting. Effectively assessing loan applications and ensured compliance with financial regulations, contributing to successful loan approvals. Demonstrated analytical skills and attention to detail in evaluating borrower creditworthiness and financial documents.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Whalen Mortgages
02.2025 - Current
- 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.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Senior Mortgage Specialist
TD Canada Trust
05.2024 - 02.2025
- Developed customized financing solutions for borrowers by assessing their unique financial circumstances and goals.
- Built lasting relationships with clients by providing exceptional customer service, fostering trust and loyalty.
- Generated new leads through targeted marketing campaigns aimed at reaching potential clients in the local community.
- Maintained up-to-date knowledge of industry trends, products, and regulatory changes to provide comprehensive guidance to clients.
- Increased referral business by cultivating strong relationships with realtors, builders, attorneys, and financial planners who valued my expertise as a Senior Mortgage Specialist.
- Mentored junior mortgage specialists for improved performance, sharing industry knowledge and best practices.
Everyday Banking Advisor
Alberta Treasury Bank
07.2023 - 05.2024
- Achieved sales targets by consistently meeting or exceeding assigned quotas for new accounts and referrals.
- Participated in cross-training opportunities within the bank, broadening skillset beyond personal advising role.
- Conducted regular financial reviews with clients, recommending adjustments as needed to support changing life circumstances or market conditions.
- Effectively managed risk by adhering strictly to compliance policies.
- Mentored junior team members on effective sales techniques, contributing to overall staff development and productivity gains.
- Collaborated with colleagues to share best practices and enhance overall branch performance.
- Backed up teller team by handling needs of new and existing customers at main counter.
- Promoted digital banking options to clients, simplifying their account management experience while reducing branch traffic.
- Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products, and services.
Account Manager
RBC Royal Bank of Canada
02.2005 - 06.2023
- Assistant Branch Manager
- Branch Manager
- Small Business Manager
- Mortgage Specialist
- Duties of Positions
- Identify cross-selling opportunities for bank products and services, credit cards, mortgages, loans, banking accounts and investment products. Met or exceeded sales targets and objectives set by the bank. Provide continuous outstanding customer service
- Oversee daily branch operations to ensure smooth and efficient functioning. Ensure branch meets all operational, compliance, security and safety standards within the bank. Assisted with branch cash balancing, ensure accurate transaction processing. Recruit new staff members and assist with training operations. Provide leadership motivation and guide dance to all staff members to ensure clarity of the roles. Build and maintain strong relationships within the community with new and existing clients. Resolve complex customer issues and complaints ensure that the client is provided with a reasonable solution. Set achieving goals for individuals and branch which includes cross-selling banking products
- Build strong relationships within the small business clients, serving as their primary point of contact for all banking needs. Understanding business financials, cash flow, and business performance to recommend the appropriate financial solutions such as line of credit, loans or investments. Setting up quarterly reviews and visits to the small business location
- As a Mortgage Specialist I would meet with clients to understand their home financing needs, goals and financial situation. Provide expert advice on all home financing products, interest rates, and financing options that are available to service the clients requirements. I conduct a through review to understand the clients character, income earning, credit behaviors, asset and liabilities to recommend the appropriate mortgage product. Ensure clients are guided through the mortgage application process / approval and that there is clarity provided for the entire process till the mortgage advances. Collaborate with the underwriting team so they also have an understanding of the clients financial situation and if there is any risk associated within the application. Stay updated with the housing market, interest changes, market trends, policy updates and any incentive programs that are available to clients purchasing a home
Education
High school diploma -
Clarke Road Secondary School
London, ON06.1990
Skills
- Understanding of residential lending compliance
- Underwriting protocols
- Application analysis
- Documentation review
- LTV calculations
- Credit analysis
- Marketing
- Income verification
- Creditworthiness determination
- Decision-making
- Regulatory compliance
- Active listening and learning
Certification
- Financial Planning 1 October 2013 to Present
- Personal Financial Services Advice April 2013 to Present
Languages
English
Native or Bilingual
Timeline
Mortgage Underwriter
Whalen Mortgages
02.2025 - Current
Senior Mortgage Specialist
TD Canada Trust
05.2024 - 02.2025
Everyday Banking Advisor
Alberta Treasury Bank
07.2023 - 05.2024
Account Manager
RBC Royal Bank of Canada
02.2005 - 06.2023
High school diploma -
Clarke Road Secondary School
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