Victoria Adeyemo
Toronto,Ontario
Summary
A Mortgage Underwriter with a strong ability to meet deadlines. Working with the brokers by educating them on the company's product and and services to complete submitted deals, all whilst providing excellent service to internal and external stakeholders. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Mortgage Underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud. Astute and methodical Senior Mortgage Underwriter with significant background working diverse customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
14
14
years of professional experience
Work History
Mortgage Underwriter
New Haven Mortgage Corporation
- Maintain key relationships and provide excellent service to all internal and external clients including brokers, borrowers, and third parties.
- Verify information on application with credit bureau and any supporting documents submitted to ensure accuracy.
- Use available resources to thoroughly review all applicants and properties.
- Contact broker/client for additional information or clarification to make appropriate decisions.
- Adjudicate information presented and address any discrepancies or inconsistencies, examples: Mortgage Information Statements, Tax Statements, etc.
- Order and review Appraisals to examine condition of property and comparable sales used to support market value.
- Document deal and write up approval terms.
- Deliver quick and creative mortgage solutions to brokers for them to present to their clients to assist them in making informed decision.
- Prepare mortgage documents accurately with required conditions for specific deal.
- Communicate with management, brokers, borrowers, solicitors, real estate agents both through phone and email.
- Educate brokers on our product offerings and process, including roles of each party.
- Keep brokers/clients apprised on status of their files at all times.
- Special projects or other duties as required.
Sr. Mortgage Servicing Specialist & Mortgage Internal Underwriter
New Haven Mortgage Corporation
06.2023 - 02.2024
- Liaise with origination teams to respond to internal refinance requests
- Underwrite internal mortgage refinances following the company's rules and regulations
- Performing all Mortgage Servcing request as listed below
- Oversee the approval and control of assignment functions, within limits of delegated authority
- Assist with training of employees on department policies and procedures, providing feedback on quality and productivity
- Prepare monthly and quarterly reporting on activities related to mortgage operations, including but not limited to deal status, demands, pending discharge and discharged, renewal statistics, quarterly insurance reporting to blanket insurance provider
- Serve as an escalation point to junior servicing specialists on their assigned mortgages
- Take over files from junior servicing specialists that are moving from default to power of sale/legal enforcement proceedings
- Manage the legal process from beginning to end, ensuring strict follow-ups to all applicable parties, coordinating with third parties on properties on property
- Ensure quality control, accuracy, and consistency.
Mortgage Internal Underwriter & Mortgage Servicing Specialist
New Haven Mortgage Corporation
02.2023 - 06.2023
- Liaise with origination teams to respond to internal refinance requests
- Underwrite internal mortgage refinances following the company's rules and regulations
- Performing all Mortgage Servcing request as listed below.
Mortgage Servicing Specialist
New Haven Mortgage Corporation
08.2022 - 02.2023
- Onboard new mortgages by sending out welcome package to borrower/broker with information related to their new mortgage and educating them on mortgage lifecycle.
- Perform mortgage operation functions for assigned mortgages such as collecting payments, administering payment arrangements, sending demands for various mortgage defaults (NSF, insurance, property tax), preparing and processing mortgage renewals, information statements, and discharges.
- Coordinate with Mortgage Administration/Accounting teams to ensure payments are processed in system in timely fashion and are delivered to appropriate payee.
- Prepare mortgage renewal offers, payout statements, demand letters, and ensure strict follow up with borrowers until resolution is reached.
- Negotiate renewal offers with borrowers and maximizing revenue opportunities.
- Liaise with solicitors on delinquent files, and make sound recommendations on appropriate enforcement action to management.
- Review and respond to all consumer, bankruptcy proposals, CRA or other government body requests for information on assigned mortgages borrowers/brokers to mitigate reputational risk.
- Perform day to day tasks in fast-paced environment.
Mortgage Renewal Officer
New Haven Mortgage Corporation
04.2021 - 08.2022
- Maintain key relationships and provide excellent service to all internal and external clients including investors, borrowers, brokers, third parties, solicitors, and partners.
- Underwriting internal re-finance files and following up with brokers and borrowers for signed commitments.
- Prepare mortgages for management and investor's approval.
- Condition renewal in accordance with company requirements.
- Prepare mortgage documents accurately with required conditions for renewal.
- Assist with completion of mortgage retention activities including renewals and refinances, negotiating with borrowers, and maximizing revenue opportunities
- Renew mortgages for investors/partners.
- Communicate with management, investors, brokers, borrowers, solicitors and third parties through phone and email.
- Use discretion when working with borrower and/or broker to mitigate reputational risk.
- Adhere to all company established policies and procedures.
- Special projects or other duties as required.
Credit Relations Account Manager/Administrator
MoneyKey
12.2017 - 02.2020
- Follow-up on accounts for information about bankruptcy or credit counseling program.
- Negotiate and close agreements to maximize profits.
- Develop trusted advisor relationships with key accounts, customers, and Credit Consolidation companies.
- Ensuring all historical data and new documents are uploaded and filed accordingly.
- Filing hard copy documents in organized manner.
- Corresponding with bankruptcy courts, logging, and filing correspondence appropriately.
- Responsible for closing out low balance files in system.
Deli Supervisor
Re-Store
05.2012 - 10.2017
- Responsible for safe and efficient running of store.
- Monitoring staff's attitudes and appearance to maintain elegance and professionalism.
- Ordering inventories for deli as well as shop.
- Preparing hot and cold food for display.
- Training Staff and making sure company policies and procedures are adhered to.
Café Manager
Thunders Bakery Deli & Café
04.2010 - 04.2012
- Develop short and long-term plans and strategies aimed at achieving sales goals
- Managing day-to-day activities of café in effective and efficient manner, ordering of inventory and inventory control.
- Cashing up, opening, and closing of store, menu preparation.
- Overseeing provision of meal/snack preparation.
- Organizing weekly rosters for staff, making sure staff follow proper procedures of company, employee recruitment and mentorship, engaging and providing support to team.
- Partner with management to set goals and target.
- Promote culture and policies with colleagues, continuous quality improvement.
- Maximize sales' opportunities while ensuring excellent customer service.
Education
Personal Lending & Mortgages -
Canadian Securities Institute
Canada02.2023
Excel Beginner to Advance Certificate -
Udemy
Canada07.2020
Project Management Certificate -
Udemy
Canada06.2020
Associate of Arts -
Ibat College
Dublin Ireland02.2015
Bachelor of Arts -
Dublin Business School
Dublin Ireland09.2014
Skills
- Documentation Review
- Residential mortgage lending regulations
- Loan Evaluation
- Underwriting guidelines
- Credit analysis
References
Available Upon Request
Timeline
Sr. Mortgage Servicing Specialist & Mortgage Internal Underwriter
New Haven Mortgage Corporation
06.2023 - 02.2024
Mortgage Internal Underwriter & Mortgage Servicing Specialist
New Haven Mortgage Corporation
02.2023 - 06.2023
Mortgage Servicing Specialist
New Haven Mortgage Corporation
08.2022 - 02.2023
Mortgage Renewal Officer
New Haven Mortgage Corporation
04.2021 - 08.2022
Credit Relations Account Manager/Administrator
MoneyKey
12.2017 - 02.2020
Deli Supervisor
Re-Store
05.2012 - 10.2017
Café Manager
Thunders Bakery Deli & Café
04.2010 - 04.2012
Mortgage Underwriter
New Haven Mortgage Corporation
Personal Lending & Mortgages -
Canadian Securities Institute
Excel Beginner to Advance Certificate -
Udemy
Project Management Certificate -
Udemy
Associate of Arts -
Ibat College
Bachelor of Arts -
Dublin Business School
Similar Profiles
Sharon Job-NarsinghSharon Job-Narsingh
QA Compliance Specialist at New Haven Mortgage CorporationQA Compliance Specialist at New Haven Mortgage Corporation
Ronanda HendersonRonanda Henderson
FHA and Conventional Underwriter at RoundPoint Mortgage Servicing Corporation Subsidiary of Freedom MortgageFHA and Conventional Underwriter at RoundPoint Mortgage Servicing Corporation Subsidiary of Freedom Mortgage
Danielle CaruanaDanielle Caruana
Acting Manager Orana Haven Hub at Orana Haven Aboriginal CorporationActing Manager Orana Haven Hub at Orana Haven Aboriginal Corporation
Sabin MainaliSabin Mainali
Learning Ambassador at Amazon Delivery StationLearning Ambassador at Amazon Delivery Station
Moussa KeitaMoussa Keita
Sr, Bilingual IT Specialist/Applications Administrator at IAMGOLD CorporationSr, Bilingual IT Specialist/Applications Administrator at IAMGOLD Corporation