Tinashe Chikomo

• Take applications over the phone, when required.
  
• Review commitment with the client, when required.
  
• Review and analyze mortgage applications, credit reports, documents, financial statements, and other relevant documentation.
  
• Assess borrower's creditworthiness, income stability, employment history, and overall financial situation.
  Submit applications to lenders and communicate with the lender.
  
• Verify accuracy and completeness of loan packages, ensuring all necessary documents are provided.
  
• Communicate underwriting decisions to relevant parties and provide clear explanations.
  
• Stay updated on industry regulations and lender policies to ensure accurate pre-approvals/submissions and compliance

As a Mortgage underwriter at Alta West Capital, I am responsible for evaluating and determining the creditworthiness of mortgage loan applications. I meticulously review financial documents, such as bank statements and income records, to assess the risk associated with each borrower. Additionally, I communicate lending decisions and ensure compliance with all regulatory requirements.
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Evaluate and determine the creditworthiness of mortgage loan applications.
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Review financial documents, such as bank statements and income records, to assess borrower risk.
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Communicate lending decisions and ensure compliance with all regulatory requirements.
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Collaborate with the lending team to expedite the underwriting process and maintain high-quality standards.

As a Mortgage Recovery Specialist at Alta West Capital, I played a pivotal role in facilitating the recovery of delinquent mortgage accounts. I effectively communicated with borrowers to explore repayment options and negotiated settlements. Additionally, I collaborated with legal and loss mitigation teams to ensure compliance with all regulatory and legal requirements.

•Facilitated the recovery of delinquent mortgage accounts through effective communication and negotiation.
•Explored repayment options and negotiated settlements with borrowers.
•Collaborated with legal and loss mitigation teams to ensure compliance with regulatory and legal requirements.
•Analyzed borrower financial situations and provided tailored solutions to resolve delinquencies.

As a Mobile Mortgage Specialist at TD Canada Trust, I actively promoted mortgage products and services, engaging with clients to assess their financial needs. I offered personalized mortgage solutions and guided clients through the application process,
ensuring a seamless and efficient experience. Additionally, I collaborated with internal teams to expedite mortgage approvals and provide exceptional customer service.

•Promoted mortgage products and services, engaging with clients to assess their financial needs.
•Offered personalized mortgage solutions and guided clients through the application process.
•Collaborated with internal teams to expedite mortgage approvals and provide exceptional customer service.
•Managed a portfolio of mortgage clients, maintaining strong relationships and ensuring client satisfaction

•Advised clients on retirement planning, resulting in a increase in retirement savings
•Advised clients on debt management, helping them to reduce their debt and improve credit score.
•Developed and maintained relationships with clients to ensure their ongoing satisfaction with services.
•Developed and implemented a tax management strategy that minimized client tax liabilities.

•Advised customers on product features and functionality.
•Processed customer transactions accurately and efficiently
•Organized and managed customer data, ensuring accuracy and completeness of records.
•Demonstrated superior product knowledge, resulting in a increase in customer referrals