ILINKA PETKOVSKI
Toronto,Canada
Summary
Dynamic Credit Manager with extensive experience at Laurentian Bank, excelling in risk management and team leadership. Proven track record in optimizing workflows and enhancing client experiences, while ensuring compliance with underwriting guidelines. Adept at coaching teams to achieve operational targets and deliver exceptional service in high-pressure environments.
Overview
30
30
years of professional experience
Work History
Credit Manager/ Senior Advisor Quality Control
Laurentian Bank
03.2020 - 05.2024
- Led a team of mortgage underwriters and document fulfillment officers during a high-volume, fast-paced lending environment, providing strong leadership, direction, and support to ensure operational targets and client service expectations were met.
- Collaborated continuously with the VP of Operations and the leadership team to maintain a consistent focus on the bank’s risk framework and underwriting guidelines, ensuring compliance across all mortgage credit applications.
- Managed competing priorities and short deadlines by implementing efficient workflows, enabling the team to handle high application volumes while maintaining accuracy, high service standards, and adherence to policy.
- Reviewed and evaluated complex single and multi-unit mortgage credit applications, ensuring decisions aligned with policy, risk framework, and operational procedures, while also providing alternative solutions to support client needs and successful funding.
- Conducted risk management analysis by collecting and auditing data using analytical procedures, delivering timely observations, evidence, and feedback to stakeholders, and collaborating with senior management to resolve issues while maintaining optimal customer service.
Senior Manager of Eastern Canada
Genworth Canada
02.2016 - 02.2019
- Directed and supported a team of office and remote underwriters to achieve key objectives.
- Reviewed and analyzed complex Mortgage Insurance applications to deliver risk-mitigated decisions.
- Collaborated with Operations Leadership, Risk, and Sales teams to enhance risk framework mitigation.
- Optimized processes for single and multi-unit Mortgage Insurance credit applications.
- Strived to improve communication strategies for enhanced client experience.
Team Leader
Genworth Canada
09.2014 - 01.2016
- Directed one of five underwriting teams, overseeing key metrics and service standards for 8-10 direct reports.
- Cultivated underwriting expertise within team, ensuring compliance with Genworth Guidelines on mortgage insurance applications.
Senior Underwriter
Genworth Canada
10.2009 - 08.2014
- Adjudicated and underwrote complex multi-unit and single-unit residential mortgage insurance applications for banks and credit unions.
- Provided sound decisions, recommendations, and alternative solutions while adhering to company policies and risk frameworks.
- Communicated effectively with lender partners to deliver exceptional customer experiences.
- Presented decisions and creative solutions at lender partner meetings within established service levels.
Lending Analyst Level III
ING Direct
08.2008 - 09.2009
- Reviewed and analyzed employment profiles, credit strength, and property details for residential mortgage applications.
- Ensured accurate assessment of documentation for new and pending mortgage applications.
Senior Mortgage Underwriter
MCAP Mortgage Corporation
03.2002 - 02.2008
- Reviewed residential mortgage applications, ensuring accuracy and compliance with underwriting guidelines.
- Adjudicated mortgage applications for broker partners to reduce risk and streamline processes.
- Developed direct lender relationships, achieving company service targets consistently.
- Cultivated partnerships with lenders to enhance service delivery and meet business goals.
Account Officer- Corporate Banking Division
National Bank of Canada
04.2001 - 03.2002
- Established and managed banking solutions for selected portfolio of Corporate Bank Clients.
Conducted annual reviews with each Corporate Client to assess portfolio direction and needs.
Strengthened relationships through consistent engagement and tailored service offerings.
Financial Services Manager
National Bank of Canada
05.1994 - 03.2001
- Facilitate processing of lending and investment products for clients, including mortgage applications, loans, and investments
Education
Mutual Funds Certificate -
Institute of Canadian Bankers Association
01.2000
Business Admin Diploma - Specializing in Accounting
Sheridan College
01.1995
Completed 2 years of Economic Major Degree - Economic Major Degree, French Minor Degree
York University
01.1993
Skills
- Risk management
- Mortgage underwriting
- Credit evaluation
- Workflow optimization
- Data analysis
- Process improvement
- Team leadership
- Coaching and mentoring
Timeline
Credit Manager/ Senior Advisor Quality Control
Laurentian Bank
03.2020 - 05.2024
Senior Manager of Eastern Canada
Genworth Canada
02.2016 - 02.2019
Team Leader
Genworth Canada
09.2014 - 01.2016
Senior Underwriter
Genworth Canada
10.2009 - 08.2014
Lending Analyst Level III
ING Direct
08.2008 - 09.2009
Senior Mortgage Underwriter
MCAP Mortgage Corporation
03.2002 - 02.2008
Account Officer- Corporate Banking Division
National Bank of Canada
04.2001 - 03.2002
Financial Services Manager
National Bank of Canada
05.1994 - 03.2001
Mutual Funds Certificate -
Institute of Canadian Bankers Association
Business Admin Diploma - Specializing in Accounting
Sheridan College
Completed 2 years of Economic Major Degree - Economic Major Degree, French Minor Degree
York University
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