Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

MASHRUR MOBIN

Toronto,ON

Summary

Talented Risk Analyst with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Senior Mortgage Underwriter

First National Financial LP, TDMS
11.2021 - Current
  • Made careful determinations of complex mortgage applications based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Balanced risk against profitability ensuring maximum risk mitigation
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Analyzed exception to standard policy guidelines regarding income, assets and credit history to support compliance team with underwriting guidelines.
  • Developed and maintained relationships with high volume brokerages and served as dedicated underwriter to over 50 brokers.
  • Took part in departmental meetings to provide market observation input on changing client demographics, Indications of Fraud and AML trends in changing market
  • Trained new team members in underwriting procedures and loan quality grading standards.
  • Developed and maintained relationships with external sales team, brokerages, solicitors and other third parties

Mortgage Underwriter

TD Canada Trust
06.2019 - 11.2021
  • Evaluated Residential mortgage applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Verified integrity of applicants' information to minimize fraud.
  • Escalated exceptions to standard lending guidelines to risk department to obtain customized solutions based on client's specific financial condition
  • Took part in extensive training courses to obtain concrete credit acumen

Senior Credit Analyst

Axis Auto Finance
06.2016 - 06.2019
  • Reviewed credit reports of non-prime clientele to comprehensively evaluate credit data to determine level of risk and and identify potential red flags
  • Participated in loan committee meetings to provide input on lending processes.
  • Offered insight to upper management regarding credit decisions.
  • Took part in external audit review to assist auditor queries regarding funded applications
  • Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.
  • Collaborated with other teams to identify and mitigate risks impacting organization.
  • Monitored credit accounts routinely in coordination with collections team to identify and mitigate issues and prevent losses.
  • Took on Special Project of Design, Test and Implement new loan origination software and monitor for any troubleshooting

Credit Analyst

GGR Finance
09.2015 - 05.2016
  • Analyzed creditworthiness of loan applicants and determined credit risk of automobile loan requests for non-prime clientele.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Gathered loan documentation for underwriting.
  • Complied with internal controls and government regulations.


Credit Assistant

TD Canada Trust
08.2014 - 08.2015
  • Reviewed and verified income, credit reports and employment histories for each borrower within department set turnaround timeline
  • Monitored accounts for signs of fraud and non-payment issues.
  • Assisted coworkers and staff members with special tasks on daily basis.
  • Interacted with broker partners, underwriters and team managers ensuring maximum efficiency in completing each assigned file

Administrative Officer

RBC
01.2014 - 04.2014
  • Updated reports, managed accounts, and generated reports for company database.
  • Executed record filing system to improve document organization and management.
  • Followed detailed directions from management to complete daily paperwork and computer data entry.

Sales Associate

Standard Chartered Bank
04.2011 - 08.2011
  • Research Global Currency Trends using Reuters Database and assisted in preparing daily Foreign Exchange Reports for commercial banking customers
  • Collaborated with clients to maintain relationships and provide customers with thorough support and guidance.
  • Discussed financial options with clients and provided informed suggestions.
  • Networked to identify potential new clients and expand geographic territories.


Education

BBA -

Trent University
Peterborough, ON

College Diploma - Business Management

Humber College

Skills

  • Analytical and Critical Thinking
  • Complex Problem-Solving
  • Active Listening and Learning
  • Customer Experience
  • Customer Satisfaction
  • Banking Standards
  • Strategic Risk Management
  • Financial Advisement
  • Microsoft Office
  • Loan Product Knowledge

Certification

  • Licensed FSRA Mortgage Agent

Timeline

Senior Mortgage Underwriter

First National Financial LP, TDMS
11.2021 - Current

Mortgage Underwriter

TD Canada Trust
06.2019 - 11.2021

Senior Credit Analyst

Axis Auto Finance
06.2016 - 06.2019

Credit Analyst

GGR Finance
09.2015 - 05.2016

Credit Assistant

TD Canada Trust
08.2014 - 08.2015

Administrative Officer

RBC
01.2014 - 04.2014

Sales Associate

Standard Chartered Bank
04.2011 - 08.2011

BBA -

Trent University

College Diploma - Business Management

Humber College

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MASHRUR MOBIN