Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Jessica Virk

Surrey

Summary

Dynamic credit analyst with years of extensive mortgage lending experience at MCAP & TD Bank, recognized for enhancing team performance through mentorship and training. Proficient in risk assessment and compliance, I excel in fast-paced environments, leveraging strong communication skills to streamline credit workflows and support sales initiatives. Currently pursuing a mortgage broker license to further my expertise.

Overview

19
19
years of professional experience

Work History

Credit Analyst - Funding

MCAP
03.2020 - 11.2023
  • In 2020 I took up an additional role in the funding department, assisting the funding team lead as well as the various underwriting teams, in addition to my role as a credit assistant.
  • Provided administrative and operational support to the brokers, underwriters, solicitors office and the borrowers, to facilitate the mortgage application and final funding process ensuring smooth closings.
  • Mentored and trained new hires and other colleagues, enhancing team performance and fostering a culture of precision and accountability.

Credit Analyst - Mortgage Underwriting Assistant

MCAP
08.2014 - 03.2023
  • Evaluate mortgage loan applications by analyzing credit reports, financial statements, income documents and property appraisals to determine loan eligibility and ensure compliance with federal regulations and internal lending policies.
  • Collaborated with cross-functional teams to streamline credit approval workflows. Supporting the regional sales teams in all areas of credit administration in an efficient manner, contributing to the volume, profits and market share of the company.
  • Mentored and trained junior analysts and new hires, enhancing team capabilities in all areas of document review and risk assessment methodologies.

Credit Analyst - Assistant

TD Bank
01.2007 - 10.2010
  • Worked with a designated Senior mortgage underwriter and various external brokerage teams reviewing documents and finalizing approved deals, ensuring meeting lending guidelines.
  • Provided day to day support to the underwriting team in all areas of credit administration, risk assessment and document review pertaining to real estate.
  • Demonstrated due diligence and a high level of knowledge on current mortgage products, bank policies and procedures. Handled phone calls and emails with our brokers and the solicitors representing each deal.

Customer Service Representative

TD Bank
11.2004 - 01.2007
  • Started my banking experience starting as a CSR with the 49th and fraser street branch and then opening the new Yaletown branch in 2008 working again as a CSR and the CRC/Greeter role.
  • Handled a variety of customer interactions including processing transactions, resolving enquiries, and recommending appropriate banking solutions while promoting banking products and services.
  • My roles working at both branches typically involved a combination of customer service, sales and operational tasks including opening and closing processes and working the "cash cage".
  • Assisted in training new tellers on operational procedures and system usage.

Education

Bachelor of Arts - English Literature

Florida International University
Miami, FL
04-1999

Skills

  • Extensive mortgage/credit lending experience
  • Self starter, highly organized, able to work independently and multi-task in a fast paced and competitive market
  • Strong communication and negotiation skills
  • Proficient in MS office suite, including Word, Excel and Powerpoint
  • Currently enrolled with GOBC to get my mortgage brokers licence

Languages

Punjabi
Full Professional
Hindi
Full Professional
French
Elementary

Timeline

Credit Analyst - Funding

MCAP
03.2020 - 11.2023

Credit Analyst - Mortgage Underwriting Assistant

MCAP
08.2014 - 03.2023

Credit Analyst - Assistant

TD Bank
01.2007 - 10.2010

Customer Service Representative

TD Bank
11.2004 - 01.2007

Bachelor of Arts - English Literature

Florida International University

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Jessica Virk