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KAREN KOSKI
Senior Financial Professional
Beachburg,ON
Work Preference
Summary
Results-driven senior financial services leader with over 15 years of experience in strategic account management and portfolio stewardship. Expertise in coaching advisors, collateral valuations, improving customer retention, and driving revenue growth through effective credit and relationship management. Skilled in utilizing Salesforce and Google Workspace to streamline client record-keeping and enhance team performance.
Overview
1
1
Language
2
2
Certifications
15
15
Years of experience
Work History
Senior Property Valuation Specialist
Community Trust Company
Toronto, ON
08.2023 - 07.2026
- Remote work while supervising property valuation reviews and regional analysis initiatives to maintain alignment with residential mortgage origination needs.
- Provided subject matter expertise to support appraisal quality, collateral risk valuation, and maintain lending-policy compliance for valuation providers.
- Conducted comprehensive property valuations to support credit decisions and risk assessments.
- Improved service turnaround time by 10% via targeted process improvements to maintain SLA performance and consistently exceed personal targets by 15%.
- Managed property valuation review processes and regional analysis to support residential mortgage originations with appraisal quality and collateral suitability.
- Verified collateral suitability and lending-standard compliance by reviewing full appraisals, AVMS inspections, and supporting property documentation.
- Recorded valuation decisions and associated risk findings with mitigating factors per RMUP and regulatory requirements to support audit and standardized decisions.
- Investigated and corrected complex valuation discrepancies across credit underwriting, fintech, and operations workflows to ensure accurate and timely mortgage decisions.
- Maintained approved third-party valuation provider roster and supported vendor onboarding through completion of ongoing performance reviews and due diligence.
- Developed detailed reports on asset valuation trends, enhancing client advisory services.
Assistant Branch Manager / Advisor
ROYAL BANK OF CANADA (RBC)
Petawawa, ON
09.2021 - 03.2023
- Led branch operations integrating personal and business lending advice, credit adjudication support, regulatory compliance, and employee coaching to enhance performance and drive revenue growth.
- Advised clients on mortgages, home equity financing, personal and business credit, underwriting considerations, and risk-mitigation strategies while maintaining documentation accuracy.
- Applied OSFI and FCAC requirements, internal credit policies, and operational controls to retail lending activities to ensure regulatory compliance.
- Partnered with mortgage, financial planning, business banking, and branch leadership teams to deliver customized credit and financial solutions for customer satisfaction.
- Coached 5 employees in a Team Management role on client advice, problem resolution, digital adoption, and responsible sales practices; supported individual talent, employee development, and career planning.
- Utilized Salesforce and Google Workspace to manage client relationships, streamline documentation, and guide staff in adopting digital tools.
Senior Financial Advisor
BANK OF NOVA SCOTIA (SCOTIABANK)
Pembroke, ON
10.2018 - 09.2021
- Advised clients on mortgage lending, investment selection, insurance planning, and retirement strategy while ensuring strong credit practices and regulatory compliance.
- Conducted underwriting for conventional and non-conventional mortgages, personal loans, and lines of credit, performing risk analysis, credit adjudication, and AML/KYC compliance reviews.
- Analyzed client financial position—cash flow, debt obligations, and goals—to develop responsible lending guidance and financial-planning solutions.
- Coordinated communications and documentation workflows across providers, solicitors, and internal partners to ensure regulatory compliance.
- Reviewed market and financial data, built recommendations for mortgage debt-management investment and insurance decisions, and managed ongoing portfolios of 200 clients.
Financial Advisor
NATIONAL BANK OF CANADA
Pembroke, ON
01.2017 - 01.2018
- Assessed mortgage credit applications and delivered financial advisory services, emphasizing underwriting quality, accurate documentation, and strict compliance adherence.
- Conducted underwriting for mortgage originations and refinances by performing comprehensive documentation review, evaluating risk, and enforcing quality control to ensure accuracy in loan decisions.
- Verified mortgage and credit originations met institutional policy and provincial and federal regulatory requirements by applying AML, fraud, and KYC procedures.
- Prepared and negotiated tailored financial solutions; supported clients through debt repayment budgeting and mortgage arrears strategy guidance to promote customer success.
- Analyzed client requirements, documented findings, supported financial solution delivery, and maintained review administration through to follow-through.
- Managed over 100 client portfolios.
Account Manager
BUSINESS DEVELOPMENT BANK OF CANADA
Sudbury, ON
01.2006 - 01.2017
- Directed multi-million-dollar commercial loan and mortgage portfolio operations, performing complex credit analysis, executing underwriting, administering portfolio activities, and developing recovery plans.
- Assessed financial statements, tax assessments, cash flow, business plans, and collateral to determine commercial loan and mortgage underwriting terms and optimize return relative to risk.
- Built detailed action and realization plans for distressed accounts, prepared write-off recommendations based on account status, and managed recovery workflows.
- Evaluated proposals through authorized due diligence processes, executed approval or declination decisions within approved practices, and compiled credit submissions with supporting analysis.
- Coordinated engagement with entrepreneur associations, banks, accountants, and municipalities and delivered targeted seminars covering start-up expansion and transition financing.
Branch Manager
Wells Fargo & Company
Brampton and Sudbury, ON
01.1995 - 01.2006
- Promoted through Credit Advisor and Assistant Manager to Branch Leadership, managing mortgage underwriting reviews and directing consumer lending business operations, collections, profitability, and team performance oversight.
- Performed credit adjudication and mortgage underwriting, completing AML and fraud review checks to validate documentation and uphold company and regulatory requirements for approval decisions.
- Assessed loan and mortgage applications alongside property tax assessments, MPAC valuations, appraisals, and supporting documentation to validate adherence to policy requirements.
- Oversaw branch profitability, operational efficiency, and growth; coached and trained employees; ensured achievement in exceeding monthly targets.
- Reconciled debt margin and trade-settlement reports for accuracy, monitored performance indicators, and managed collections processes to maintain portfolio quality.
Education
Diploma - Tourism and Hospitality
Ontario Business College
Greater Sudbury, ONBachelor of Arts - English and General Studies
Laurentian University
Greater Sudbury, ONSkills
- Mortgage commitments
- Vendor due diligence
- Recovery planning
Mortgage Underwriting & Credit
Collateral & Documentation
Risk, Compliance & Operations
- Leadership & Collaboration
- Google Workspace
- Professional Attitude
Stakeholder management
Systems & Tools
Time management
Languages
English
Native or Bilingual
Certification
Canadian Securities Institute (CSI) -
- Certificate of Financial Services Advice - Personal Banking Advisor - Financial Planning I.
- Certificate of Advanced Financial Advice - Financial Planning II.
CFIP: Registered Financial and Retirement Advisor (RFRA) - Designation covering retirement, tax, estate, pension, risk, insurance, and anti-money-laundering studies.
Timeline
Senior Property Valuation Specialist
Community Trust Company
08.2023 - 07.2026
Assistant Branch Manager / Advisor
ROYAL BANK OF CANADA (RBC)
09.2021 - 03.2023
Senior Financial Advisor
BANK OF NOVA SCOTIA (SCOTIABANK)
10.2018 - 09.2021
Financial Advisor
NATIONAL BANK OF CANADA
01.2017 - 01.2018
Account Manager
BUSINESS DEVELOPMENT BANK OF CANADA
01.2006 - 01.2017
Branch Manager
Wells Fargo & Company
01.1995 - 01.2006
Diploma - Tourism and Hospitality
Ontario Business College
Bachelor of Arts - English and General Studies
Laurentian University