Justina Dasilva
Crystal Beach,ON
Summary
Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm. Experienced in handling numerous projects at once while ensuring accuracy. Effective at prioritizing tasks and meeting deadlines. This is reflected in my SLA turn around time and 100% audit scores.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Associate Mortgage Underwriter
First National Financial TDMS
10.2022 - Current
- Company Overview: First National Financial- TD Mortgage Solutions
- Promoted from Mortgage Funder to Associate Mortgage Underwriter at First National Financial- TD Mortgage Solutions
- Providing exceptional communication skills to correspond clearly with brokers
- Reviewing financial data, including tax returns, paystubs, lease agreements and other financial documents to assess income and eligibility
- Ensure that approved deals close as scheduled and as efficiently as possible by following up on outstanding conditions/documents and ensuring compliance with policy and guidelines
- Reviewing bank statements and sale agreements when needed to calculate down payment resources
- Ensure GDS and TDS are in line
- Work as a team along side mortgage underwriter and mortgage funder to ensure a smooth mortgage process for both the broker and client
- Ensure increased due diligence to avoid the approval of any fraudulent documents or information
- First National Financial- TD Mortgage Solutions
Mortgage Funder
First National Financial
02.2021 - 10.2022
- Residential Mortgage Funders are responsible for instructing, advancing and closing mortgage files
- Check with law society for entitlement of solicitor
- Check information to ensure accuracy, i.e
- Correct lender, CMHC/GE approval
- Prepare and send applicable instructional package to solicitor along with relevant documents
- Send the solicitor a list of outstanding conditions, mortgage commitment and mortgage advance breakdown
- Contact solicitor to advise that funds can be released
- Ensure that all conditions have been met, all documentation has been received and that file is complete on the day of closing
- Close files in the system and send to accounting department
- Review solicitor mortgage documentation to ensure it corresponds to the terms of the commitment and is in compliance with established regulatory and company guidelines and policies
- Coordinate with mortgage accounting for the release of mortgage funds on a timely basis
- Respond to all inquiries within the established turnaround times
- Adhere to policy/procedures to ensure AML and Quality Assurance requirements are met
- Send monies to solicitors trust account to disburse to client
Education
Successful Completion and Licensing -
Real Estate and Mortgage Institute of Canada Inc.
10.2022
Diploma - Law and Security
TriOs College
Hamilton, ON01.2019
Skills
- Documentation Review
- Residential mortgage lending regulations
- Income Downpayment verification
- Attention to Detail
- Analytical and Critical Thinking
- Customer service-focused
- Risk Assessment
- Quality Assurance
- Excellent Communication
- Time Management
- Multitasking Abilities
- Fraud Detection
Certification
- Mortgage Broker License
Languages
English
Timeline
Associate Mortgage Underwriter
First National Financial TDMS
10.2022 - Current
Mortgage Funder
First National Financial
02.2021 - 10.2022
Successful Completion and Licensing -
Real Estate and Mortgage Institute of Canada Inc.
Diploma - Law and Security
TriOs College
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