Madiha Sajjad
Brampton,ON
Summary
To seek and maintain full-time position in /finance sector that offers professional challenge utilizing interpersonal skills, excellent time management skills and exceptional analytical skills
Overview
6
6
years of professional experience
Work History
Mortgage Underwriter
QFS
04.2019 - Current
- Reviewed Mortgage loan applications, determined credit worthiness, reviewed supporting documents, and financial information provided to assess loan eligibility
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness
- Identified possible fraud risks through meticulous evaluation of documents and information protecting both lenders and homebuyers from potential losses.
- Collaborated closely to clarify and obtain any missing or additional information required for loan approval
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained positive relationships with appraisers, lender and solicitors
- Completed management reporting as required
- Reduced processing time for mortgage applications through diligent management of underwriting tasks.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Managed the performance of team through efficient delegation of work and careful monitoring of work volumes
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Provided coaching, training and development of team members
Mortgage Fulfillment Officer
QFS
03.2018 - 03.2019
- Collected and reviewed client's mortgage documents i.e. Equifax, T4, T1, T2, NOA, Mortgage statement, Property Tax bill etc
- Analyzed credit history and financial information to assess eligibility and to identify potential red flags
- Submitted the client files to the potential lender for approval
- Ensured all documents are saved properly in client's folder
- Ordered the appraisals
- Communicated with clients, lenders, appraisers and lawyers to ensure seamless mortgage process
- Responded immediately to client's and lender's inquiries
- Answered the queries of lender and provided with the documents to fulfill the conditions
Education
BBA -
Vibank Regional School
Vibank, SKSkills
- Documentation Review
- Credit and Income Analysis
- Net worth Evaluation
- Application Analysis
- Analytical Skills
- Mathematical Skills
- Accuracy and Precision
- Problem solving Skills
- Communication & Coordination
Languages
English
Timeline
Mortgage Underwriter
QFS
04.2019 - Current
Mortgage Fulfillment Officer
QFS
03.2018 - 03.2019
BBA -
Vibank Regional School
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