Jawad Chaudhry
Summary
Proven Mobile Mortgage Specialist with a track record of fostering client trust and achieving high retention rates at CIBC. Expert in residential mortgage lending regulations and excelling in relationship management, I've driven growth through strategic marketing and comprehensive financial guidance. Skilled in credit analysis and client needs analysis, I consistently deliver personalized service and informed decision-making.
Overview
21
21
years of professional experience
Work History
Mobile Mortgage Specialist
CIBC
04.2018 - Current
- Enhanced client trust in the organization through transparent communication and consistent delivery on commitments.
- Achieved high customer retention rate through exceptional relationship management and personalized service.
- Provided comprehensive financial guidance to clients, recommending suitable mortgage products based on their needs and goals.
- Collaborated with real estate agents to establish referral networks, fostering mutually beneficial partnerships.
- Assisted clients in navigating complex mortgage documentation, ensuring a smooth application experience from start to finish.
- Managed a diverse pipeline of mortgage applications, prioritizing tasks effectively to meet deadlines consistently.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Successfully closed loans by conducting thorough risk assessments and ensuring compliance with applicable regulations.
- Maintained up-to-date knowledge of industry trends, enabling informed decision-making and accurate advice for clients.
- Developed targeted marketing campaigns to attract potential clients, increasing business growth in key demographics.
Mobile Mortgage Specialist
BMO Bank of Montreal
07.2017 - 04.2018
- Enhanced client trust in the organization through transparent communication and consistent delivery on commitments.
- Provided comprehensive financial guidance to clients, recommending suitable mortgage products based on their needs and goals.
- Collaborated with real estate agents to establish referral networks, fostering mutually beneficial partnerships.
- Managed a diverse pipeline of mortgage applications, prioritizing tasks effectively to meet deadlines consistently.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
Mortgage Specialist
Interfinance
05.2015 - 07.2017
- Achieved high customer retention rate through exceptional relationship management and personalized service.
- Enhanced client trust in the organization through transparent communication and consistent delivery on commitments.
- Provided comprehensive financial guidance to clients, recommending suitable mortgage products based on their needs and goals.
- Collaborated with real estate agents to establish referral networks, fostering mutually beneficial partnerships.
- Mitigated credit risk by conducting thorough due diligence checks on all applicants, safeguarding the organization''s interests.
- Reduced loan approval time by streamlining the application review process and collaborating with underwriters.
Mortgage Specialist
Centum Signature Mortgages
01.2012 - 05.2015
- Attracted new mortgage loan applications by developing relationships within community.
- Reorganized, streamlined and strengthened operations to maximize performance and profitability in highly competitive markets.
- Explained legal aspects of loan to borrower, as well as payment terms and clauses.
- Remained updated with latest information related to mortgage products and services being offered.
- Created profitable and efficient solutions.
Customer Service Representative
American Express, AMEX
05.2003 - 05.2015
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Handled customer inquiries and suggestions courteously and professionally.
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
- Answered constant flow of customer calls with minimal wait times.
- Updated account information to maintain customer records.
- Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Responded to customer requests for products, services, and company information.
Education
General Arts & Science
Centennial College of Applied Arts And Technology
Scarborough, ON06.2020
Business Administration
Centennial College of Applied Arts And Technology
Scarborough, ON06.2003
Skills
- Loan Servicing
- Client needs analysis
- Residential mortgage lending regulations
- Document Review
- Employment Verification
- Credit analysis
- Appraisal review
- Loan Documentation
- Credit Verification
- Relationship Management
- Real estate knowledge
- Refinancing options
- Financial Analysis
- Adjustable-Rate Mortgages
- Refinance Expertise
- Fixed Rate Mortgages
- Bridge Loans
- Loan Commitments
- Asset Verification
- Home Equity Loans
- Interest Only Loans
- Document analysis
- Data Interpretation
- Marketing expertise
- Customer service-focused
- Decision-Making
- Customer Relations
- Data Entry
- Income Evaluation
Languages
English
Full Professional
Hindi
Full Professional
Urdu
Full Professional
Punjabi
Full Professional
Timeline
Mobile Mortgage Specialist
CIBC
04.2018 - Current
Mobile Mortgage Specialist
BMO Bank of Montreal
07.2017 - 04.2018
Mortgage Specialist
Interfinance
05.2015 - 07.2017
Mortgage Specialist
Centum Signature Mortgages
01.2012 - 05.2015
Customer Service Representative
American Express, AMEX
05.2003 - 05.2015
General Arts & Science
Centennial College of Applied Arts And Technology
Business Administration
Centennial College of Applied Arts And Technology