Agnes Stallone

Mortgage underwriter with 8 year of experience in credit adjudication and residential mortgage underwriting in the broker channel, including insured, insurable and self employed files. Underwrites 4-5 files per day with an 8 hour turn around time, most recently within a $500,000 lending authority. Skilled in due diligence, AML compliance and document review with strong working relationships across mortgage brokers, insurers, and partners.

Underwriter - Neo Financial - Toronto

(2026-01 - 2026-09)

• Adjudicated 4-5 residential mortgage files per day within $500,000 lending authority, delivering credit decisions with an 8-24 hour turnaround time.
• Prepared and issued mortgage commitments with appropriate conditions within service level agreements
• Managed an active pipeline of 80+ mortgage files, following up with brokers and business partners to obtain outstanding conditions and supporting documentation.
• Worked with mortgage insurers to complete credit decisions on insured files.
• Collaborated with managers, business development team, and legal partners to escalate files and resolve outstanding issues.
• Completed due diligence on all documents prior to sign off and followed guidelines to support satisfactory audits.

Underwriter - Peoples Group - Toronto

(2024-11 - 2025-12)

• Adjudicated 4-5 broker submitted mortgage files per day within 24 hour turnaround.
• Analyze borrowers employment profile, credit strength and property characteristics for each decision.
• Issued mortgage commitment and ensured documents and agreement were fully executed and all conditions satisfied
• Collaborated with mortgage insurers where applicable to complete lending decisions.
• Liaised with mortgage administration team, solicitors, and brokers to facilitate the timely execution and completion of mortgage loans.
• Ensured all files met company guidelines.

Document Specialist - CMLS Financial (AVEO) - Toronto, ON

(2024-04 - 2024-10)

• Reviewed mortgage applications and supporting documentation for completeness, accuracy, and compliance within established requirements.
• Maintained accurate mortgage file records and detailed system note to support file review.
• Followed up with mortgage brokers to obtain outstanding documentation and satisfy mortgage commitment conditions within established timelines.

Underwriter - Marathon Mortgages - Toronto, ON

(2022-09 - 2023-05)

• Adjudicate mortgage applications within established authority limits while ensuring adherence to policies and guidelines.
• Update mortgage application to accurately reflect documentation provided and ensure the application continues to meet lending authorities.
• Follow up with brokers for collection of all required documents to satisfy mortgage commitment conditions.
• Communicate internally with underwriters, managers, administrator, and externally with brokers and clients.
• Responsible for identifying and escalating any potential risk to the company, focusing closely on quality assurance and compliance.

Underwriter (Fulfillment Specialist / Underwriter) - RFA Mortgage Corporation - Toronto, ON

(2018-07 - 2022-04)

• Responsible for supporting the underwriting and credit decision process by reviewing all required documentation and applying sound due diligence.
• Review required underwriting documentation with strong emphasis on anti-money laundering requirements, confirmable and business for self employed income, down payment verification, and employment confirmation.
• Monitor any changes to the deals, update as required and manage the flow of the file ensuring it moves in a timely manner through each queue.

Credit Advisor - Royal Bank of Canada - Mississauga, ON

(2013-07 - 2018-07)

• Negotiated, approved, recommended, and declined credit applications within credit policies, credit rules, and lending limits.
• Performed due diligence on loan applications to meet credit guidelines and Anti-Money Laundering (AML) requirements.
• Upheld client privacy and confidentiality standards.

Receptionist - Town of King - King City, ON

(2023-07 - 2023-11)

• Provided frontline customer service by phone, in person, online, and by email, and processed financial transactions following Finance department procedures.

Business Administration - George Brown College (2012)