Fadi Ghaly
Laval,QC
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a bank or and any financial institutions.
Overview
6
6
years of professional experience
Work History
Mortgage Underwriter
CIBC Bank
Montreal, QC
05.2024 - Current
- Make Effective Decisions – Negotiate, approve/ decline and make recommendations for applications within established CIBC processes, guidelines within an authorized lending limit of up to $1,500,000, including residential mortgage, real estate secured and unsecured applications.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Gather, review and assess information and complete documentation to support each credit application within CIBC risk parameters and Insurers guidelines as applicable.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Manage high work volumes to meet short time lines with a high level of quality and due diligence.
Risk and Control Advisor, Mortgages
Laurentian Bank (B2B bank)
Montreal, QC
04.2022 - 12.2023
- Reviewed an average of 5 mortgage applications per day, ensuring that mortgage guideline has been respected
- Approve, refuse, communicate decision to underwriters, and provide them with alternative solutions
- Perform quality control validation post-funding
- Identify and mitigate risks related to file
- Reviewing all files, required financial statements, client income and credit history, file transmissions from brokers and insurers, as well as identification of any risks/discrepancies
- Provide advice and recommendations to management and relevant stakeholders on findings found in file and conclusions.
Mortgage Underwriter
Investors Group
Montreal, QC
07.2021 - 04.2022
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting or denied loans based on established criteria and underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Record loan denials and specific basis for declining application. Monitor and report noncompliance with loan covenants.
Bilingual Representative
First National LP
Montreal, QC
11.2020 - 07.2021
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
- Handled customer inquiries and suggestions courteously and professionally.
- Answered constant flow of customer calls with minimal wait times.
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Mentor new Customer Service Representatives by helping them learn policies and procedures
Technical Advisor (Banking Solutions)
National Bank
Montreal, QC
04.2019 - 06.2020
- Act as a resource person and advise business partners in their interventions by providing detailed explanations requiring in-depth knowledge of mortgage financing activities
- Maintain effective communications with the various parties involved in credit files
- Support our business partners by providing clear and precise explanations regarding their clients mortgages files
- Analyze documents received from partners and ensure their compliance
- Support credit underwriters in handling mortgage credit standards.
- Enforced use of prescribed technical procedures, designing monitoring protocols to confirm compliance with guidelines.
- Contributed technical oversight to assist team project fulfillment.
Internal Auditor
Quebec Revenue
Laval, QC
09.2018 - 04.2019
- Communicated with and assisted business representatives regarding filing tax declarations, audits process, audit findings, explaining application of tax laws and regulations.
- Examined and audited accounting and financial records with regard to compliance with business taxes as prescribed by law.
- Prepared audit appointment letters, written audit findings and reports with recommendations.
- Scheduled follow-up audit appointments and prepared amended audit schedules and other supporting documents upon petition for re-determination or other appeal.
Education
Bachelor of Business Administration (BBA) - Professional accounting
HEC Montréal
05.2018
Skills
- Financial analysis
- Data analysis
- Risk assessment
- Project management
- Strategic Planning
- Compliance Requirements
- Client engagement
- Leadership
- Team collaboration
- Process improvement
- Effective communication
- Decision making
Languages
French
Native or Bilingual
English
Native or Bilingual
Arabic
Native or Bilingual
Timeline
Mortgage Underwriter
CIBC Bank
05.2024 - Current
Risk and Control Advisor, Mortgages
Laurentian Bank (B2B bank)
04.2022 - 12.2023
Mortgage Underwriter
Investors Group
07.2021 - 04.2022
Bilingual Representative
First National LP
11.2020 - 07.2021
Technical Advisor (Banking Solutions)
National Bank
04.2019 - 06.2020
Internal Auditor
Quebec Revenue
09.2018 - 04.2019
Bachelor of Business Administration (BBA) - Professional accounting
HEC Montréal