JIHYANG SUN
Summary
Analytical and detail-oriented Commercial Mortgage Underwriter with over 5 years of experience in credit risk evaluation, commercial lending, and financial data analysis. Proven ability to assess complex deals, identify risk patterns, and present strategic recommendations to senior decision-makers. Bilingual in Korean and English with intermediate proficiency in Mandarin. Passionate about integrating modern analytical tools to evolve underwriting practices in a fast-paced financial services environment.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Commercial Mortgage Underwriter
Shinhan Bank Canada
05.2020 - Current
- Performed in-depth analysis of commercial mortgage and construction loan applications, identifying creditworthiness and key financial risks.
- Evaluated borrowers' financial statements, cash flow projections, and asset quality to recommend approval or mitigation strategies.
- Utilized Excel-based templates to support risk scoring and decision making.
- Presented underwriting findings and strategic insights to Credit Approval Committees and executive teams.
- Worked cross-functionally with Relationship Managers, and risk teams to streamline approval, funding, and reporting processes.
- Contributed to risk framework enhancements aligned with industry best practices and regulatory updates
- Achieved Champion Award (2023) and Best Employee Recognition (2024) for excellence in underwriting and client support.
Commercial Mortgage Administrator
Shinhan Bank Canada
12.2019 - 05.2020
- Supported the underwriting team in loan documentation review, client coordination, and pre-closing audits.
- Verified completeness and accuracy of loan files, liaising with clients to resolve outstanding conditions.
- Enhanced customer satisfaction by providing clear and timely loan status updates.
- Built foundational expertise in regulatory documentation, credit review processes, and data entry protocols.
Marketing Advocate
KEB Hana Bank Canada
06.2016 - 08.2016
- Promoted financial products to retail and commercial clients, improving product visibility and adoption.
- Coordinated marketing campaigns and prepared bilingual promotional materials.
- Strengthened client relationships through product education and personalized service.
Education
Bachelor of Arts - Business And Society
York University
North York, ON06-2019
Skills
- Financial Risk Assessment
- Commercial Loan Underwriting
- Financial Statement & Credit Analysis
- Collateral Valuation
- Strategic Decision Support
- Cross-Functional Collaboration
- Bilingual Communication (Korea/English)
Accomplishments
- Championship Award [April 2023]
- HQ Best Employee [February 2024]
Certification
- International Baccalaureate Diploma [June 2014]
- AML Foundations, ACAMS [July 2022]
- Commercial Lending, Moody's [July 2023]
Timeline
Commercial Mortgage Underwriter
Shinhan Bank Canada
05.2020 - Current
Commercial Mortgage Administrator
Shinhan Bank Canada
12.2019 - 05.2020
Marketing Advocate
KEB Hana Bank Canada
06.2016 - 08.2016
Bachelor of Arts - Business And Society
York University
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