Yashika Chopra

Brampton,Canada

Summary

Detail-oriented and analytical Mortgage Underwriter with 3+ years of experience in residential and commercial underwriting across Canadian financial institutions. Skilled in sales consultations, client engagement, and deal coordination. Proven success in credit assessment, documentation review, regulatory compliance, and file management. Known for a proactive approach, excellent communication, and the ability to manage multiple mortgage files while maintaining high accuracy under pressure.

Overview

years of professional experience

Work History

Mortgage Underwriter

Infinite Mortgage Solutions

Oakville, ON

02.2023 - Current

Reviewed and underwrote a high volume of residential mortgage files, ensuring compliance with internal policies and lender guidelines.
Conducted sales calls and follow-up communications with clients and brokers to discuss application progress and gather missing documentation.
Built rapport with clients by clearly explaining terms, rates, and product options, often converting inquiries into funded deals.
Prepared detailed credit summaries and condition sheets, ensuring clarity for lenders and internal stakeholders.
Managed complex files and exceptions by collaborating with internal credit teams and external partners (lawyers, appraisers).
Ensured timely closure of mortgage deals by tracking conditions and maintaining open communication with clients.
Provided support to the sales team by pre-screening applications and recommending eligible products.
Delivered exceptional service to both new and repeat clients, contributing to a high client satisfaction rate.
Participated in team meetings to review case studies, underwriting updates, and compliance changes.

Mortgage Administrator

Lendinghub.ca

Woodbridge, ON

12.2021 - 01.2023

Supported underwriters and brokers by organizing and managing mortgage documentation and correspondence.
Handled inbound and outbound client calls related to application updates, document requests, and closing instructions.
Assisted in sales efforts by preparing preliminary loan documents, following up with leads, and ensuring file readiness.
Coordinated with lenders to submit and track applications, resolving issues quickly to avoid delays in funding.
Monitored key compliance items such as insurance documentation, discharge tracking, and tax confirmations.
Maintained a secure and accurate repository of mortgage and legal files, ensuring readiness for audits.
Investigated penalties and late fees, proactively resolving issues to maintain positive client relationships.
Created internal reports for application tracking and post-closing conditions, improving team efficiency.
Gained hands-on experience with platforms like Filogix and Velocity to assist with underwriting support tasks.

Education

Postgraduate Diploma - Marketing & Entrepreneurship

Trent University

Peterborough, ON

01.2019

Bachelor of Business Administration (BBA) -

Guru Gobind Singh Indraprastha University

Delhi, India

01.2016

Skills

Residential & Commercial Mortgage Underwriting
Credit Risk Assessment & Financial Review
Client Engagement & Deal Follow-ups
Sales Calls & Cross-Selling Opportunities
Loan Origination Systems: Filogix, Velocity, Boss
Application Packaging & Condition Fulfillment
Regulatory Compliance & Documentation Accuracy

Post-Closing Administration & Audit Readiness
Time Management & Multitasking
Microsoft Office (Excel, Word, Outlook)
Credit analysis
Compliance assessment
Sales coordination

Websites

yashika-3b6322337

References

Available upon request

Timeline