Genevieve Desrochers

Nepean,ON

Summary

Dynamic Senior Mortgage Underwriter at CMLS Financial with a proven track record of funding 45-50 files monthly. Expert in risk mitigation and due diligence, fostering strong broker relationships. Recognized for enhancing underwriting processes and delivering exceptional customer service, ensuring compliance and timely loan processing.

Overview

years of professional experience

Work History

Senior Mortgage Underwriter

CMLS Financial

Ottawa/Toronto, Ontario

07.2021 - Current

Consistently a top 5 producer within the company, funding over 45 to 50 files a month, and achieving higher funding numbers during peak seasons.
Maintained compliance with company and regulatory policies.
Evaluated mortgage loan risk based on sound underwriting decisions.
Maintained up-to-date knowledge of changing lending regulations and guidelines.
Developed relationships with broker and real estate community by providing frequent updates on loan status. In addition, quarterly office visits with my top broker accounts, attending lunch and learns with brokers, conferences, and year-end celebrations.
Continuously improved underwriting processes through feedback and identification of efficiency gains.
Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer, or denial.
Managed loan pipeline to ensure timely processing and adherence to deadlines.
Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
Communicated loan decisions, including approvals, suspensions, or denials, clearly to all relevant parties.
Provided support and guidance to junior underwriters and other team members.

Financial Service Associate, Banking Associate

CIBC, Ottawa

04.2003 - 07.2021

Daily sales support to two financial advisors to assist in maximizing their productivity.
Build and maintain a monthly contact plan in partnership with the advisor.
Responsible for the organization of all client files for both advisors.
Daily communication meetings with team members.
Responsible for imputing all secured lending applications (mortgage, secured plc, HPP etc) on Class as well as requesting appraisals, reviewing appraisals and follow up with legal documents.
Responsible for contacting clients for upcoming maturities as well as scheduling appointments for the advisor’s.
Resolve customer concerns and issues.
Dealings with locked and redeemable investments.
Dealings with registered retirement investments.
Processing of loans and mortgage applications.
Administered all account transactions with customers and assisted in generate sales opportunities.
Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
Opened new accounts for new and existing customers and assisted customers in completing all application forms.
Developed tailored solutions to meet individual banking needs.
Located and pre-qualified customers for mortgages.
Trained and mentored junior banking staff to maximize performance, efficiency and compliance.
Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.

Client Service Representative

CIBC, Ottawa ON

09.2000 - 04.2003

Managed accounts receivable and accounts payable for corporate and small businesses in the Ottawa area.
Referred clients to account managers for specific financial advice and assistance.
Met weekly with co-workers to discuss ways in which to improve client satisfaction, increase sales, resolve client complaints and promote other financial investments tools.
Good working knowledge of CIBC’s products and services.
Financial Administration.
Responsible for the daily recording and internal procedures for handling funds in excess of one million dollars.
Responsible for closing branch procedures with manager on daily basis.
Daily reception duties such as: answering general questions, helping clients with problems, directing clients to different personnel in branch, and booking appointments.
Daily interaction with data processing centre’s as well as visa centre for investigating banking transactions.

Education

The Institute of Canadian Bankers

Diploma - Services, Recreation Leadership

Algonquin College

Nepean, ON

Skills

Self-motivated nature
Due diligence
Developing/strengthening broker relationships
Reviewing documents
Risk mitigation

Customer service-oriented, focused
Effective communication
Professional demeanor
Task prioritization, organizational skills

References

References available upon request.

Timeline