Jenna Mormile
Vaughan,ON
Summary
Ambitious and detail-oriented professional with nine years in the financial industry, possessing valuable and transferable skills in customer service and relationship building. Self-motivated and comfortable finding creative solutions to unexpected challenges. Ability to handle multiple projects simultaneously with a high degree of accuracy. Confident in ability to contribute to team success through advanced skills in customer service, time management, and communication.
Overview
10
10
years of professional experience
Work History
Underwriter
First National Financial - TDMS
10.2021 - 11.2022
- Performed financial analyses of Mortgage and Flexline applications using the Five Cs of Credit
- Reviewed and interpreted Equifax and TransUnion reports to assess clients' credit worthiness
- Communicated daily with mortgage brokers regarding the status of their applications
- Offered feasible alternatives when specific requests could not be supported
- Maintained respect and professionalism when discussing a broker's application
- Exuded empathy regarding sensitive matters
- Exercised due diligence by mitigating risk with a thorough written analysis, and completing KYC and AML assessments on every file
- Scrutinized pay stubs, letters of employment, and tax returns to determine satisfaction of income verification stipulations.
Credit Analyst
TD Canada Trust - Real Estate Secured Lending
10.2018 - 09.2021
- Analyzed credit data and financial statements to determine the risk involved in extending credit and lending money
- Completed rental worksheets in Excel for rental properties, on behalf of sales partners
- Optimized credit opportunities by coaching branch and MMS representatives in restructuring applications
- Ensured compliance with internal policies and regulatory requirements through diligent rationale of all credit decisions
- Mentored junior analysts, sharing best practices in credit analysis techniques
- Collaborated with Risk Management when a material exception was warranted
- Structured and submitted applications for insurer review (CMHC, Canada Guaranty, Sagen)
Appraisal Officer
TD Canada Trust - Appraisal Services
07.2013 - 09.2018
- Critically reviewed appraisal reports for residential properties to ensure that the subject property conformed to conventional lending guidelines
- Reviewed Mortgage applications with crucial detail
- Ensured correct property was appraised and that loan to value did not exceed the approved lending amount as outlined by the Underwriter
- Manually ordered appraisals through Nationwide and RPS Brookfield vendor portals for market rent analysis
- Communicated effectively with branch representatives and MMS partners regarding all appraisal related inquiries, through phone channel and emails
- Boosted team morale through recognition programs, resulting in higher productivity levels
Receptionist; Customer Service Representative
Bellini Modern Living
07.2012 - 06.2013
- Responded to emails from clients addressing any service issues with merchandise purchased
- Resolved customers' after-sales issues, while conforming to the company's policies and standards
- Perpetually updated purchase and sales orders using Excel and QuickBooks Accounting
- Provided administrative support to staff members by handling correspondence, filing documents, and managing office supplies inventory
- Maintained a well-organized reception area with updated materials, contributing to a welcoming environment for visitors
Education
High School Diploma -
St. Jean De Brebeuf Catholic High School
Vaughan, ON01.2010
Skills
- Risk Mitigation
- Documentation Review
- Relationship Building
- Credit Analysis
- Computer Proficiency
- Time Management
- Customer Service
- Compliance
- Financial Acumen
- Critical Thinking
- Attention to Detail
- Conflict Resolution
Volunteer Experience
- Social Committee, TD Canada Trust, 07/01/13 - 09/01/21 | Successfully organized various team events and outings to improve employee satisfaction and morale. Remained within budget each quarter.
- Credit Mentorship, TD Canada Trust, 10/01/20 - 12/01/20 | Selected from over 200 underwriters for a mentorship to train four new Credit Analyst hires. Hosted live group training sessions. Reviewed escalations and provided constructive feedback to each mentee.
- Meals on Wheels, TD Canada Trust, 08/01/18 | Delivered hot, fresh meals to the elderly within the GTA with accuracy and efficiency while adhering to all safety regulations.
- Second Harvest, TD Canada Trust | Represented TD Appraisal Services in the Second Harvest 2018 campaign. Raised funds by selling samosas and baked goods.
Languages
English
Native or Bilingual
Italian
Limited Working
Timeline
Underwriter
First National Financial - TDMS
10.2021 - 11.2022
Credit Analyst
TD Canada Trust - Real Estate Secured Lending
10.2018 - 09.2021
Appraisal Officer
TD Canada Trust - Appraisal Services
07.2013 - 09.2018
Receptionist; Customer Service Representative
Bellini Modern Living
07.2012 - 06.2013
High School Diploma -
St. Jean De Brebeuf Catholic High School
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