Jo Ng

Bilingual Credit Professional & Licensed Ontario Mortgage Agent with a strong background in financial analysis and prime/subprime credit adjudication. Expert at evaluating debt-to-income ratios, risk profiles, and complex applicant documentation. A record-breaking performer with a BBA in Finance, ready to deliver precise, compliant risk assessments as a Mortgage Underwriter.

Credit Team Lead - ifinance Canada Inc - Toronto, ON

(2020-01)

• Analyze debt-to-income ratios, credit reports, income documentation, and payment patterns to assess creditworthiness and determine appropriate lending decisions for prime and subprime applicants.
• Evaluate customer risk profiles and recommend credit approvals, limits, and loan structures in accordance with company policies and risk guidelines.
• Review and monitor customer credit exposure while balancing business growth opportunities with risk mitigation objectives.
• Conduct detailed financial assessments and investigate credit exceptions to support sound lending decisions.
• Communicate credit decisions, application status updates, and supporting documentation requirements to clients and third-party service providers.
• Act as a key liaison between multiple departments, ensuring accurate information flow and efficient resolution of complex customer cases.
• Support collection and account-resolution activities by assessing customer payment capacity and identifying appropriate risk-management solutions.
• Maintain accurate customer records and documentation while ensuring compliance with internal procedures and lending policies.
• Train and mentor new team members on credit adjudication processes, risk assessment methodologies, and operational procedures.
• Provide ongoing guidance and support to colleagues, contributing to team performance and service excellence.
• Consistently exceeded processing targets and achieved multiple company records for monthly loan volume processed.

Senior Bilingual Customer Service Representative - BMO Financial Group - Toronto, ON

(2019-01 - 2020-01)

• Responsible for the delivery of superior customer service with respect to telephone and email inquiries.
• Educated advisors/customers on their respective types of account.
• Assisted advisors on applications, as well as financial and non-financial requests relating to client accounts.
• Analyzed historical transactions of both registered and non-registered accounts.

Senior Financial Services Representative - CIBC - Toronto, ON

(2018-08 - 2019-01)

• Discussed with clients to determine financial needs and goals and develop growth plans.
• Networked and built client relationships.
• Promptly resolved customer service issues and answered financial questions.
• Offered detailed, research-based advice on strategies to meet clients' needs.

Insurance Customer Service - BMO Financial Group - Toronto, ON

(2017-08 - 2018-08)

• Managed incoming calls in a timely manner.
• Educated customers on their respective insurance policies.
• Informed policy owners of late payments and advise accordingly.
• Updated client information such as beneficiaries, addresses and payment options.

Bilingual Credit Agent - ifinance Canada Inc - Toronto, ON

(2017-02 - 2017-07)

• Handled and advised of loan applications.
• Communicated client information towards service providers.
• Acted as intermediary between different department functions.
• Broke records on multiple occasions in regards to number of loans processed monthly.

Ontario Mortgage Agent Level 1 - Mortgage Professionals Canada (2024-10)

Investment Foundations Program - CFA (2019-08)

Canadian Securities Course (CSC) - Canadian Securities Institution (2017-04)

BBA - Finance - John Molson School Of Business, Concordia University (2016-04)

A.E.C Program - Computerized Financial Management - CDI College