Sergio Perez
Toronto,ON
Summary
Dedicated financial services professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
6
6
years of professional experience
1
1
Certification
Work History
CARDS Officer
Scotiabank
Toronto, On
2022.11 - 2023.05
- Timely and accurately entered credit data into the CARDS database (Credit Administration Reporting and Documentation System). CARDS is the primary system used to capture authorized credit exposure for Basel II capital computations and reporting to Scotiabank’s executive management, Board of Directors, shareholders, and statutory/regulatory agencies worldwide.
- Transferred accounts between different CARDS databases, liaised with different departments, and work in a team environment to finalize projects in a timely manner.
- Provide complete and accurate draft CARDS Presentations for release within GRM-Credit Risk Administration capturing often complex lending arrangements with various combinations of multiple borrowers, currencies, availment types and booking points.
- Accurately established and updated Customer records (with appropriate borrower classifications, Business Risk codes, Statutory and Business Connections, etc.) linking the borrower to an authorized risk rating template if available and refreshing links upon subsequent review of the Borrower’s risk rating.
GoEasy Ltd. (EasyFinancial Services)
Loan Underwriting Officer
Toronto, ON
03.2022 - 11.2022
- Assess and analyze loan applications; review, evaluate and analyze credit and financial history of applications including capacity to pay to make final underwriting decision.
- Grant exception approval(s) where a loan application does not satisfy company policy.
- Provide rationale to branch managers in regards to the underwriting process and the analysis that took place where such applications are either approved or refused.
- Adhere to acceptable review timeframes for analysis of applications and underwriter best practices
- Worked applications within the service level agreement of 20 minutes per application.
- Pinpoint fraudulent documents during analysis and report these to appropriate departments and the underwriting unit.
- Match and validate application information such as income, paystubs and credit ratings to make a final underwriting decision in the approval process
Propel Holdings (Former MoneyKey)
Loan Originator
Toronto, ON
06.2019 - 03.2021
- Provided exceptional customer support experience on every call, applying Propel Holdings' corporate values to effectively convert applications.
- Recognized for consistently being in the top 10 out of 50 agents converting more loan and line of credit applications.
- Awarded for being in the top 5 of agents with lowest Quality Assurance errors per loan submitted.
- Handled 80 + inbound and outbound calls on a daily basis.
- Explained to the consumer the terms and conditions, financial risks and relevant finance charges.
- Conducted third party verification from banks, and place of employment to assess applicant eligibility.
- Approved and rejected loan applications within authorized limits.
Sunwing Vacations
Sales Centre Agent
Toronto, ON
10.2017 - 01.2019
- Provided exceptional customer service experience answering travel related inquiries to direct consumers and travel agencies over the phone.
- Became a trusted advisor with customers, identifying the appropriate travel package, highlighting the value and benefit of that destination, excursion, and/or upgrade to ultimately close the sale.
- Met and exceeded monthly KPI's being QA and CSAT where I performed best.
- Accurately entered new reservations, changes and cancellations into the global distribution system.
- Liaised with other departments in the Sunwing Travel Group in order to provide accurate information to consumers.
- Worked in a fast-paced, ever-evolving work environment.
- Handled +25 inbound calls per day to address customer inquiries and concerns
Education
Diploma - Tourism - Services Management - Travel Services
Seneca College
Toronto, ON08.2017
Bachelor of Science - International Studies
Santa Maria University
Caracas, Venezuela11.2013
Skills
- Fluent in Spanish language
- Positive Attitude
- MS Office
- Attention to detail
- Customer Service
- Excellent Time Management
- Team Player
- Debt-to-Income Ratios
- Loan officer
- Loan processing knowledge
- Underwriting
- Problem-Solving
- Application Analysis
Certification
- Loan Underwriting Officer Training Course approved by the CLAO Board of Education (EasyFinancial Services)
- Guest Service Gold Certified by the AHLEI - American Hotel & Lodging Educational Institute
- Travel Industry Council of Ontario (T.I.C.O) Certified.
Timeline
CARDS Officer
Scotiabank
2022.11 - 2023.05
GoEasy Ltd. (EasyFinancial Services)
Loan Underwriting Officer
03.2022 - 11.2022
Propel Holdings (Former MoneyKey)
Loan Originator
06.2019 - 03.2021
Sunwing Vacations
Sales Centre Agent
10.2017 - 01.2019
Diploma - Tourism - Services Management - Travel Services
Seneca College
Bachelor of Science - International Studies
Santa Maria University
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