Lynne Brodeur
Maple Ridge,BC
Summary
Hardworking Account Manager and Underwriter with over 23 years of experience in Banking Industry.
Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent and reliable individual with strong work ethic.
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Account Manager/Underwriter
HSBC Bank Canada
07.2015 - Current
- Supported review and acceptance or denial of new or renewal business.
- Account reviews on existing products such as secured and unsecured lending facilities,mortgages,capital loans, lines of credits , personal loans,margin accounts ,title documents and legal documents for approval of right of ways, easements ,covenants, priority agreements and processing deceased accounts.
- Processing of chargebacks, demand letters,account closing letters, reporting unusual transactions to fraud and risk department write offs and daily pay /no pay items in clients accounts.
- Analyzed credit, income documents,compliance ,debt ratios, loan-to-value ratios, credit scores, property valuations and various other factors when making underwriting decisions.
- Respond to enquiries from branch staff and numerous departments concerning processes , procedures , application submissions.
- Process reviews and renewals of existing credit facilities,
Foreclosure
HSBC Bank Canada
12.2012 - 06.2015
- Reviewed and evaluated loan and foreclosure litigation paperwork, affidavits and post-sale documents.
- Analyzed foreclosure sale bids, judgments, reinstatements, and payoffs.
- Maintained relationships with vendors and managed invoices for Property management fees.
- Correspond with all parties necessary to obtain requisite information to analyze and process the workout ; including attorneys, mortgage insurance companies , borrowers ,government agencies ,realtors and property managers .
Collections Specialist
HSBC Bank Canada
02.2011 - 11.2012
- Processed payments and applied to customer balances.
- Counseled debtors on payment options and arranged installment agreements and if applicable recommendations to refinance /restructure credit facilities.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor
- Handled Numerous outbound and inbound calls daily with goal of collecting owed debt.
- Used skip tracing and other techniques to locate debtors.
Processor/ Underwriter Mortgage Broker Team
HSBC Bank Canada
06.2006 - 01.2011
- Accepted a role to oversee Direct Bank Mortgage Broker Centre team of 6 employees.
- Received and reviewed incoming documents and materials for lending products.
- Supported review and acceptance or denial of new or renewal business.
- Analyzed credit, income, compliance, title documents and appraisals ,evaluated debt ratio, loan-to-value ratios, credit scores and various other factors when making underwriting decisions.
- Interacted regularly with peers and management to pursue continuous improvement of facility operations and promote teamwork-focused environment.
Personal Financial Representative /Account Manager
HSBC Bank Canada
10.2005 - 06.2006
- Underwriting of lending products and servicing existing and new customers.
- Acquired Premier accreditation,managed a high volume portfolio.
- Analyzed credit, income, compliance, title documents and appraisals , Evaluated debt ratio, loan-to-value ratios, credit scores during underwriting process.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Examined clients' overall financial situation by reviewing income, assets, debts, expenses and credit reports.
Processor / Underwriter Mortgage Broker Center
HSBC Bank Canada
08.2003 - 09.2005
- Collaborated with Loan Officers and brokers to provide timely, accurate service for clients throughout entire mortgage process.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
Call Center Representative
HSBC Bank Canada
03.2001 - 07.2003
- Achieved high satisfaction rating through proactive one-call resolutions of customer issues.
- Responded to customer requests, offering excellent support and tailored recommendations to address needs.
- Delivered prompt service to prioritize customer needs.
- Investigated and resolved customer inquiries and complaints quickly.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
Education
2.5 Years - Radiation Oncology Technician
College Ahuntsic
Montreal, QC06.1987
High School Diploma -
Polyvalente De Buckingham
Buckingham, QC06.1984
Skills
- French and English language skills both spoken and written
- Thorough knowledge of financial and credit analysis techniques
- Well developed communication, negotiation , analytical skills
- Ability to work in a fast paced, continuously evolving environment , managing Multiple Priorities
- Strong organizational and time management skills
- Supportive team player
Certification
Bi yearly Credit / underwriting accreditation.
Ongoing training ( changes in procedures, credit manuals)
Additional Information
Able and willing to take on special projects.
Languages
English
Native or Bilingual
French
Native or Bilingual
Timeline
Account Manager/Underwriter
HSBC Bank Canada
07.2015 - Current
Foreclosure
HSBC Bank Canada
12.2012 - 06.2015
Collections Specialist
HSBC Bank Canada
02.2011 - 11.2012
Processor/ Underwriter Mortgage Broker Team
HSBC Bank Canada
06.2006 - 01.2011
Personal Financial Representative /Account Manager
HSBC Bank Canada
10.2005 - 06.2006
Processor / Underwriter Mortgage Broker Center
HSBC Bank Canada
08.2003 - 09.2005
Call Center Representative
HSBC Bank Canada
03.2001 - 07.2003
2.5 Years - Radiation Oncology Technician
College Ahuntsic
High School Diploma -
Polyvalente De Buckingham
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