Jaypee Balnaja
Scarborough,Canada
Summary
Analytical Commercial Mortgage Professional with 15 years of experience in mortgage administration, documentation management, and financial analysis. Skilled in supporting credit reviews, conducting due diligence, and preparing loan documentation for commercial mortgage transactions. Proven ability to streamline workflows, ensure compliance, and support strategic investment decisions.
Overview
19
19
years of professional experience
Work History
Senior Commercial Mortgage Funder/ Administrator
People's Group
Toronto, Canada
06.2021 - Current
- Reviewed due diligence documents for commercial mortgage transactions, ensuring accuracy, completeness, and compliance with internal investment policies
- Prepared loan renewal, assumption, and extension agreements, aligning with risk assessment outcomes and investment recommendations
- Provided analytical support and conducted financial research to assist senior team members and Real Estate Analysts in credit reviews and strategic investment decisions
Client Service Representative ( Mortgage )
HomeTrust
Toronto, Canada
02.2020 - 11.2020
- Analyzed client financial data, including loan-to-value ratios, debt-to-income ratios, and credit reports to assess risk and support underwriting decisions
- Prepared and reviewed financial documents, ensuring data accuracy and completeness to support internal audits and external compliance reviews
- Enhanced client satisfaction through data-driven problem-solving, achieving 100% client satisfaction in monthly surveys and maintaining over 95% performance ratings consistently
National Support Line
CIBC ( Manpower contract )
Toronto, Canada
04.2019 - 07.2019
- Fostered strong client relationships through proactive communication and problem-solving, enhancing customer satisfaction and contributing to a 97%+ performance rating
- Streamlined internal processes by identifying workflow inefficiencies and recommending improvements, contributing to increased productivity and data accuracy across teams
- Maintained data integrity by accurately transcribing financial and operational information, ensuring 100% accuracy for internal reporting and compliance purposes
Senior Mortgage Loan Officer
CIBC ( Manpower contract )
Scarborough, Canada
02.2017 - 05.2019
- Reviewed and analyzed over 30 financial statements daily to assess borrowers' financial health, supporting risk assessment and credit decision-making processes
- Assisted senior-level credit officers with the evaluation of complex loan applications, contributing to credit risk analysis and underwriting decisions
- Originated, processed, and administered customer loan proposals, ensuring compliance with internal credit policies and regulatory requirements
- Conducted due diligence on mortgage discharge legal documentation, achieving 100% accuracy and mitigating legal risks associated with loan closures
Home Equity Mortgage Processor
RBC
Toronto, Canada
07.2007 - 10.2016
- Coordinated closing process with lawyers and FCT
- Set up and completed loan submission packages
- Handled any conditions sent from underwriting departments
- Reviewed and validated details of loan applications and closing documentation
- Filed completed loan applications with underwriting and made approval or denial recommendations
- Conducted pre-funding and funding activities for over 60 monthly applications
Account Service Representative
RBC
Toronto, Canada
10.2005 - 07.2007
- Handled high volume of in-bound calls pertaining to reconciliation of delinquent accounts
- Compiled and analysed data for review by senior management of loan loss reports to measure portfolio performance
- Participated in weekly team meetings to develop better plans and revise proper protocols to meet objectives
- Organised information by studying, analysing, interpreting and classifying data
- Routinely contacted account holders with balances over 30 days past due to resolve delinquencies
Education
Computer Programming -
Centennial College
Toronto, ONRisk Management Specialization Certificate -
Corporate Finance Institute (CFI)
Commercial Real Estate Finance Specialization -
Corporate Finance Institute (CFI)
Skills
- Financial Analysis
- Risk Assessment
- Due Diligence Review
- Commercial Mortgage Lending
- Investment Proposal Support
- Market and Economic Analysis
- Microsoft Office Suite
- Excel
Professional Development
- Canadian Security Courses
- Real Estate Fundamentals
Timeline
Senior Commercial Mortgage Funder/ Administrator
People's Group
06.2021 - Current
Client Service Representative ( Mortgage )
HomeTrust
02.2020 - 11.2020
National Support Line
CIBC ( Manpower contract )
04.2019 - 07.2019
Senior Mortgage Loan Officer
CIBC ( Manpower contract )
02.2017 - 05.2019
Home Equity Mortgage Processor
RBC
07.2007 - 10.2016
Account Service Representative
RBC
10.2005 - 07.2007
Computer Programming -
Centennial College
Risk Management Specialization Certificate -
Corporate Finance Institute (CFI)
Commercial Real Estate Finance Specialization -
Corporate Finance Institute (CFI)