Jennifer A Auciello

• Lead risk recommendations for complex underwriting scenarios, ensuring alignment with corporate objectives and risk appetite.
• Serve as peer reviewer and approver for high-exposure decisions, exercising sound judgment and detailed risk analysis.
• Provide guidance on policies, processes, and risk mitigation strategies to clients and internal teams.
• Collaborate with stakeholders to deliver mortgage loan insurance aligned with service standards.
• Conduct training sessions on non-typical shelter models, including retirement homes and student housing.
• Partner with the policy group to train and develop models for implementation.
• Played an integral role in the MUUP program, providing expert training and facilitation for new hires.
• Participated in OSFi audits, working closely with the management team to ensure compliance by reviewing applications under review and answering policy related questions by the OSFi Team.
• Contributed to special projects, including improving financial capacity reviews for large borrowers and streamlining the submission process for lenders.

Instrumental in a pilot program linking underwriting, policy, risk management, and quality assurance departments to implement legal and procedural changes.

• Assisted in updating legal requirements for application submission and documentation review.
• Analyzed risks related to the new application process, created new forms, and workflows.
• Evaluated applications to gauge the risk of individual submissions and the broader process impacts.
• Measured productivity, turnaround times, default risks, and reputational risks associated with the new process.
• Engage in national teams to develop policies, products, and underwriting procedures.

• 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.
• Developed and trained new agents and brokers, fostering a culture of excellence.
• Oversaw daily office operations
• Designed and executed marketing campaigns to promote mortgage products and services.

• Managed and motivated employees to be productive and engaged in work.
• Accomplished multiple tasks within established timeframes.
• Maintained professional, organized, and safe environment for employees and patrons.
• Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
• Supervised a team of five underwriters, ensuring quality, service, and profitability in credit operations.
• Conducted detailed reviews of budgets, pricing, renewals, and construction reports.
• Liaised with brokers, solicitors, engineers, and appraisers to resolve issues and maintain client relationships.
• Reported key performance metrics to senior management and provided HR support for team members.

• Approved or denied loans based on established criteria and underwriting guidelines.
• Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
• Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Reviewed third-party reports, including environmental assessments and building condition reports.
• Managed portfolio activities and prepared detailed funding and exposure reports.
• Resolved client concerns and managed underwriting, funding, and collection issues.