Rimi Chakravarty
Greater Toronto Region,ON
Summary
A financial service professional with over 10 years of experience in mortgage industry. Top performer with a track record of consistently exceeding sales goals and customer expectations. Seeking for an opportunity within the industry that offers a challenging and competitive environment.
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals, detail-oriented team player with strong organizational skills.
To seek and maintain full-time position as a Mortgage Underwriter that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Independent Mortgage Agent, Level 1
Mortgage Alliance
10.2021 - Current
- Acquiring new clients and assessing their needs according to their financial information.
- Develop rapport with the business development managers to understand lenders policies and provide best options to my center of influence
- Analyzing applicants’ financial status, credit and property evaluation to determine the feasibility of granting loans.
- Ensuring compliance with banking and financial legislation on the state and federal levels.
- Processed loans with demonstrated mastery of underwriting criteria and best practices.
- Evaluated credit and background information to process loan applications.
- Gathered client debt, credit and income information to determine loan eligibility.
- Educating clients on their legal and financial options and ensuring that they understand them.
- Submitted applications to credit analysts
Mortgage Specialist
Royal Bank of Canada
06.2014 - 10.2021
- Generated new business and boosted sales using extensive knowledge, target market penetration, partner relationships and customer care techniques
- Determine customers financial needs and contact prospective customers to present information and explain available services and products
- Provided fast and firm approval by giving best possible advice to make their home buying experience seamless.
- Recognized as best underwritten application notes for one touch approval from adjudication depart for consecutive 5 years.
Tax Consultant
Softron Tax
01.2011 - 05.2014
- Interviewed at least 50 clients per week to obtain additional information on taxable income, deductible expenses and allowances.
- Checked data input and verified totals on forms prepared by others to detect errors in arithmetic, data entry or procedures.
- Used appropriate adjustments, deductions and credits to keep client's taxes to minimum.
- Reviewed clients tax filing papers thoroughly to determine eligibility for additional tax credits or deductions
Mortgage Agent
Centum Mortgage
06.2011 - 06.2014
- Processed loans with demonstrated mastery of underwriting criteria and best practices
- Consistently produced one of lowest delinquency ratios while maintaining high property sales recovery percentage
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
Education
Bachelor’s - Commerce, Statistics And Accounts
Gujarat University
06.1992
Skills
- Exceptional communication skills to correspond clearly with brokers and clients
- Ability to manage multiple applications at a time
- Time management skills to complete tasks promptly
- Attention to detail ensuring that I attend to all elements of application process
- Ability to assess a client’s credit and to analyze financial data, including tax returns and other financial documents
- Comfortable prioritizing their work schedule and required tasks
Certification
- Licensed Mortgage Agent - Level 1 (2011)
Timeline
Independent Mortgage Agent, Level 1
Mortgage Alliance
10.2021 - Current
Mortgage Specialist
Royal Bank of Canada
06.2014 - 10.2021
Mortgage Agent
Centum Mortgage
06.2011 - 06.2014
Tax Consultant
Softron Tax
01.2011 - 05.2014
Bachelor’s - Commerce, Statistics And Accounts
Gujarat University
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