JANITHTHA SUBASKARAN
Mortgage Advisor
Whitby,CA
Summary
Looking for a full-time position as a Home Financing Advisor where I can further utilize my knowledge and skills that I have gained through my experience in the mortgage industry. Funded over 110 million in volumes with Scotiabank during job tenure. Experience in the mortgage industry for over 9 years Knowledge of underwriting guidelines set by different lenders and by government insured loan programs, credit & income analysis, loan to value ratios and debt to income ratios Proficiency in Filogix Expert, Adobe Acrobat Reader & Microsoft Office (Excel, Word, PowerPoint) Results-driven leader with positive attitude and passion for providing high-quality advice and guidance to clients. Proven ability to identify customer needs, resolve conflicts and build strong relationships. Possesses excellent problem-solving, communication and interpersonal skills.
Overview
14
14
years of professional experience
Work History
Home Financing Advisor
Scotiabank
06.2021 - 10.2024
- Assisted clients with obtaining finance for their purchase/refinance
- Met with Referrals sources on a regular basis like Realtors, Lawyers, financial planners to maintain database of clients
- Met with potential clients on a regular basis
- Made phone calls, emails and direct mailing to clients to remind them about their upcoming mortgage renewals
- Did meetings with realtor office on mortgage related topics.
Mortgage Specialist Assistant
TD Bank Group
01.2019 - 03.2021
- Assisted mortgage specialist in packaging deals
- Maintained database of clients for MMS
- Met/Contacted clients in person/telephone to input mortgage application
- Made phone calls, emails and direct mailing to clients to remind them about their upcoming mortgage renewals.
Mobile Mortgage Specialist
TD Bank Group
02.2018 - 01.2019
- Assisted clients with obtaining finance for their purchase/refinance
- Met with Referrals sources on a regular basis like Realtors, Lawyers, financial planners to maintain database of clients
- Met with potential clients on a regular basis
- Made phone calls, emails and direct mailing to clients to remind them about their upcoming mortgage renewals
- Did meetings with realtor office on mortgage related topics.
Mortgage Advisor
CIBC
10.2024 - Current
- Managed a diverse portfolio of clients, effectively addressing their individual needs and concerns during the mortgage application process.
- Leveraged strong networking skills to cultivate relationships with industry professionals, expanding referral sources and strengthening the company''s presence within the local market.
- Provided exceptional customer service, leading to an increase in positive client testimonials and repeat business opportunities.
- Educated first-time homebuyers about available financing options and guided them through each stage of the mortgage application process.
- Reduced turnaround time for loan approvals with efficient documentation collection and underwriting submission processes.
Mortgage Agent/ Senior Mortgage Underwriter
Mortgage Alliance Mortgage Empire
01.2013 - 02.2018
- Using Filogix Expert, enter application details and underwrite the application and submit to the lender for approval
- Verified income and credit history of borrowers
- Meet with clients on a regular basis to assess their affordability and explain different mortgage options available to them based on their financial information
- Making sure all the documents is verified prior to sending to lender
- Generated sales by building strong network though personal and realtor referrals
- Communicating with Underwriters via telephone/email related to approval
- Provide excellent attention to detail in underwriting mortgages
- Assess the financial capacity of borrowers to determine risk and repayment capability
- Communicating with lawyer offices via phone/fax/email with regards to deal related documents.
Mortgage Administrator
Mortgage Alliance R&R Mortgages/Mortgage Empire
07.2011 - 01.2013
- Meet with clients to gather mortgage documents, upon approval explain the terms & conditions in the commitment and explain the compliance documents
- Follow up with clients upon approval and guide them until the transaction is completed
- Using Filogix Expert, enter application details and underwrite the application.
Education
Mortgage Agent Course – Mortgage Agent Licence -
Real Estate and Mortgage Institute of Canada Inc. – REMIC
Toronto, ON03.2013
Bank Teller Course – Bank Teller Training Certificate with Honors -
The Training Centre for Canadian Bankers Inc. – TCCB
Toronto, ON04.2008
Business Computer Systems – Advanced Diploma -
Seneca College of Applied Arts & Technology (Full-Time)
North York, ON04.2005
Skills
- Relationship Building
- Strategic Planning
- Client Engagement
- Decision-Making
- Compliance requirements
Accomplishments
- Scotiabank Platinum Award winner 2022
- Underwriter of the year 2015/2016
- 5 Year Service Award in Mortgage Industry from Mortgage Alliance
- Member of Mortgage Professionals Canada
Languages
Tamil
Native or Bilingual
English
Full Professional
Timeline
Mortgage Advisor
CIBC
10.2024 - Current
Home Financing Advisor
Scotiabank
06.2021 - 10.2024
Mortgage Specialist Assistant
TD Bank Group
01.2019 - 03.2021
Mobile Mortgage Specialist
TD Bank Group
02.2018 - 01.2019
Mortgage Agent/ Senior Mortgage Underwriter
Mortgage Alliance Mortgage Empire
01.2013 - 02.2018
Mortgage Administrator
Mortgage Alliance R&R Mortgages/Mortgage Empire
07.2011 - 01.2013
Mortgage Agent Course – Mortgage Agent Licence -
Real Estate and Mortgage Institute of Canada Inc. – REMIC
Bank Teller Course – Bank Teller Training Certificate with Honors -
The Training Centre for Canadian Bankers Inc. – TCCB
Business Computer Systems – Advanced Diploma -
Seneca College of Applied Arts & Technology (Full-Time)
Volunteer Experience
Lunchroom Supervisor, Valley View Public School, Greenwood, ON, 10/2017, 06/2018, Supervised students from JK-8 during lunch hour
References
Available upon request
Volunteer Experience
Lunchroom Supervisor, Valley View Public School, Greenwood, ON, 10/2017, 06/2018, Supervised students from JK-8 during lunch hour
References
Available upon request
Similar Profiles
Jasleen KamalJasleen Kamal
Financial Advisor at ScotiabankFinancial Advisor at Scotiabank
Gurpreet SinghGurpreet Singh
Senior Financial Advisor at ScotiabankSenior Financial Advisor at Scotiabank
Aram Iqbal DesaiAram Iqbal Desai
Senior Mortgage Funding and Accounting Officer at ScotiabankSenior Mortgage Funding and Accounting Officer at Scotiabank
Ashley DaweAshley Dawe
CLIENT RELATIONSHIP MANAGER at ScotiabankCLIENT RELATIONSHIP MANAGER at Scotiabank
Gabriella Thomas De MuzioGabriella Thomas De Muzio
Support Worker at Community Resources and Support ServicesSupport Worker at Community Resources and Support Services