Ilana Pogrebinsky
Summary
Professional with strong background in the mortgage underwriting, collection, loan analysis, and regulatory compliance. Strong focus on team collaboration and achieving results in a fast paced environment. Committed to finding creative ways to motivate employees to exceed customer service and sales goals. Strategic thinker and self-starter with strong problem solving, analytical and decision making skills. Excellent communication and relationship management skills. Proven track record of driving revenue growth, managing high-performing teams, and ensuring compliance with regulatory standards.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Branch Manager
GoEasy
10.2013 - 02.2024
- Developed and maintained relationships with key clients, driving customer retention and satisfaction
- Made sound underwriting decisions based on established criteria and risk tolerance, contributing to the overall quality of the loan portfolio
- Developed and implemented collection strategies to minimize delinquency rates and improve overall portfolio performance
- Conducted regular performance reviews and provided ongoing training to team members, resulting in improved productivity and employee satisfaction
- Monitored and analyzed branch performance metrics, implementing corrective actions as needed
- Managed staff scheduling, hiring and training processes.
- Reviewed loan applications to ensure accuracy and compliance with regulations.
- Conducted regular performance reviews for all employees in the branch.
- Implemented internal control procedures to minimize risk exposure and maximize profitability.
- Ensured compliance with established policies, procedures and regulations governing banking operations.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Negotiated payment plans with customers in arrears or at risk of defaulting on payments.
- Approved or denied loans based on established criteria and underwriting guidelines.
Assistant Branch Manager
HSBC Finance
04.2005 - 03.2012
- Provided leadership and direction to staff members in order to ensure efficient operations of the branch.
- Managed accounts receivable, collections and credit activities for a large customer base.
- Negotiated payment plans with customers in arrears or at risk of defaulting on payments.
- Resolved escalated disputes between customers and the company concerning collections matters.
- Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
- Performed periodic reviews of existing loans to ensure continued compliance with established policies.
Financial Service Representative
TD
02.1999 - 04.2005
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Identified needs of customers promptly and efficiently.
- Assisted with customer requests and answered questions to improve satisfaction.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
Education
Financial Service Underwriting -
Seneca Polytechnic
04.2007
Business Administration and Management, General -
Seneca Polytechnic
06.2003
Skills
- Team leadership and Management
- Communication and Interpersonal Skills
- Coaching and developing employees
- Time Management and Multi tasking
- Credit analysis
- Branch Operations Management
- Negotiation proficiency
- Relationship Building
- Underwriting guidelines
- Residential mortgage lending regulations
Accomplishments
- President award 2016, 2019, 2020
- Top branch loan growth 2019
- Habitat for humanity 2018
Certification
Registered mortgage agent - Real Estate and Mortgage institute of Canada (REMIC)
Timeline
Branch Manager
GoEasy
10.2013 - 02.2024
Assistant Branch Manager
HSBC Finance
04.2005 - 03.2012
Financial Service Representative
TD
02.1999 - 04.2005
Business Administration and Management, General -
Seneca Polytechnic
Financial Service Underwriting -
Seneca Polytechnic
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