Nada Karam
Toronto
Summary
Detail-oriented and customer-focused bilingual Specialist with extensive experience in credit administration and affordable housing programs. Demonstrates exceptional analytical, problem-solving, and communication skills. Known for maintaining high-quality client relationships, delivering efficient services, and ensuring compliance. Fluent in both French and English and dedicated to client success.
Overview
12
12
years of professional experience
Work History
Bilingual Specialist
Canada Mortgage and Housing Corporation
12.2024 - Current
- Resolved default cases for clients within the Prevention and Default Management team by developing tailored solutions that enabled project completion, primarily in affordable housing projects serving vulnerable populations, while ensuring full compliance with agreement clauses and policy.
- Championed the implementation and testing of a new default management system, playing a key role in rollout and helping colleagues adapt through hands-on support and guidance.
- Enhanced team reporting and data accuracy by creating dashboards that visualized departmental data, improving communication and visibility to senior management for informed decision-making.
Bilingual Senior Officer
Canada Mortgage and Housing Corporation
08.2023 - Current
- Demonstrated efficiency in new team role by promptly reviewing and processing financial reports with minimal assistance; effectively tackled a challenging portfolio with numerous outstanding items, showcasing strong problem-solving skills and quick adaptability; gained autonomy in handling complex tasks, reflecting a steep learning curve and proficient task management.
- Proactively initiated client meetings for presenting and explaining the S95 program, effectively mitigating potential suspension risks and demonstrating a strong commitment to client satisfaction and program integrity.
- Quickly integrated into the Default Management team, enhanced training material, and upgraded tracking tools and dashboards using my CRM skills. Supported specialists with new processes and RHI clients while contributing to multiple projects for skill development
Bilingual Senior Administrator
Canada Mortgage and Housing Corporation
07.2022 - 08.2023
- Played a pivotal role in RHI3 UAT testing, enhancing knowledge in managing quarterly, annual, and post-construction attestations, as well as proficiently reviewing these attestations in CRM in both English and French. Leveraged this knowledge to effectively track RHI progress and facilitate efficient client communication.
- Implemented a new Excel macro to streamline and improve the client communication process regarding new procedures.
Bilingual Credit Administrator
Laurentian Bank of Canada
09.2020 - 07.2022
- Analyzed credit bureau reports and conducted thorough due diligence to assess creditworthiness, utilizing factors such as risk rating and debt ratio. This analysis consistently resulted in accurate credit recommendations based on clients' credit profiles and financial stability.
- Approved loan requests by effectively applying credit scoring and credit risk concepts, aligning decisions with the Bank’s policies and procedures. This demonstrated a comprehensive understanding of risk assessment and credit evaluation, ensuring sound lending practices and adherence to established guidelines.
- Led the administrative team in mortgage data processing, ensuring timely production of underwriters’ worksheets. Improved team efficiency through comprehensive training and the development of detailed operation guides.
- Conducted thorough administrative follow ups with clients, internal teams, and third parties, ensuring seamless communication and coordination.
Bilingual Customer Service Representative
Randstad Canada
04.2020 - 09.2020
- Successfully supported the Canadian Red Cross customer client team with programs like Alberta flooding relief. Assisted by providing detailed information about distributing grants and essential materials, and guided clients through the portal to help them register.
Senior Officer
The Ministry of Internal Affairs
04.2013 - 08.2019
- Worked on multiple projects including L’Initiative Nationale pour le Développement Humain (INDH) in the finance and accountability department, analyzing applications and successfully granting subsidies to non-profit organizations.
- Participated in analyzing bids for public procurement, engaging in bid openings, drafting estimates, and selecting the best offers with the committee, thereby enhancing financial support for community initiatives.
- Contributed to the initiating phase of major development projects in Casablanca, including the Busway and the T3 and T4 streetcar lines, successfully enhancing public transportation infrastructure and urban mobility.
Education
Bridging program - Leadership and Management
Collège Boréal
01.2021
MSc. Degree - Econometrics
University Mohammed V
01.2012
BA Degree - Business And Marketing
University Ibn Tofail
01.2010
Certification - Risk Management
School of Continuing Studies - University of Toronto
Toronto, ON12-2025
Skills
- Over 8 years of experience in office administration, with a focus on finance and banking operations
- Bilingual in French and English, with strong written and verbal communication skills
- Skilled in data analysis, with a proven ability to gather, interpret, and present insights to support decision-making
- Proficient in MS Office and CRM systems, leveraging technology to streamline processes and boost efficiency
- Demonstrated strong problem-solving skills by identifying and implementing solutions to complex default cases, enabling project recovery and compliance within affordable housing initiatives
Languages
English
French
Arabic
Japanese
Timeline
Bilingual Specialist
Canada Mortgage and Housing Corporation
12.2024 - Current
Bilingual Senior Officer
Canada Mortgage and Housing Corporation
08.2023 - Current
Bilingual Senior Administrator
Canada Mortgage and Housing Corporation
07.2022 - 08.2023
Bilingual Credit Administrator
Laurentian Bank of Canada
09.2020 - 07.2022
Bilingual Customer Service Representative
Randstad Canada
04.2020 - 09.2020
Senior Officer
The Ministry of Internal Affairs
04.2013 - 08.2019
Bridging program - Leadership and Management
Collège Boréal
MSc. Degree - Econometrics
University Mohammed V
BA Degree - Business And Marketing
University Ibn Tofail
Certification - Risk Management
School of Continuing Studies - University of Toronto
Similar Profiles
Nassima YacefNassima Yacef
Bilingual Officer at Canada Mortgage and Housing CorporationBilingual Officer at Canada Mortgage and Housing Corporation
Lauren BarclayLauren Barclay
Senior Analyst, Client Relations at Canada Mortgage and Housing CorporationSenior Analyst, Client Relations at Canada Mortgage and Housing Corporation
Jennifer A AucielloJennifer A Auciello
Senior Specialist, Multi-Unit Underwriting at Canada Mortgage and Housing Corporation (CMHC)Senior Specialist, Multi-Unit Underwriting at Canada Mortgage and Housing Corporation (CMHC)
Anisha BishnoiAnisha Bishnoi
Cashier at Tyndale University CafeteriaCashier at Tyndale University Cafeteria
Vaishali GuptaVaishali Gupta
Awareness and Acquisition Intern at Rothmans Benson & HedgesAwareness and Acquisition Intern at Rothmans Benson & Hedges