Nadine Y

Licensed Submortgage Broker in British Columbia Five years underwriting experience for mortgage applications Completion of Accounting Assistant Certificate program at Capilano University Five years administrative support in a private company Proven analytical skills and record keeping Proficient knowledge in MS Office (Word, Excel, Powerpoint, Access, Outlook) Dependable, hard-working employee and quick learner

Underwriter - First National Financial LP

(2026)

• Assessed loan applications for creditworthiness, income stability and collateral sufficiency
• Underwrote an average of 20+ files per week for both refinance and purchase loans.
• Conducted thorough risk analysis and due diligence using underwriting tools to assess and approve mortgage application.
• Ensured adherence to lender guidelines and BCFSA regulatory requirements.
• Collaborated with external partners, including mortgage insurers, appraisers, title insurance providers, solicitors and processors to mitigate risk and deliver a seamless borrower experience.
• Built strong broker relationships to streamline processes and strengthen company loyalty.

Underwriter - Gentai Capital Corporation

(2023 - 2026)

• Reviewed mortgage applications upon submission to ensure they fit the appropriate risk parameters of the company and fund, as well as doing in depth evaluation on borrowers’ credit worthiness and security of the properties
• Provided underwriting and risk expertise to credit committee and all other departments within the lending team
• Directly communicated with brokers regarding submissions and obtaining additional information and documents if needed
• Serviced and maintained the pipeline and portfolio of each fund to ensure yields and fees remain on target
• Managed fund liquidity and cash flow to ensure availability for fundings
• Found out of the box solutions to solve financing needs for clients and brokers, as well as prioritizing the goals and security of the company

Underwriter/Document Specialist/Client Care Manager - Karista Mortgage

(2020 - 2023)

• Provided excellent underwriting skills to streamline mortgage application that will qualify and approve funding from lenders.
• Utilized analytical skills to streamline applications that will qualify on specific lender guidelines.
• Provided timely and exemptional customer service to clients and contacts related to mortgage process.
• Processed and organized documents to ensure smooth mortgage application process.
• Made sure to execute confidentiality on all matters related to the client.
• Used problem solving skills to handle clients’ concerns in a professional manner.

Program Assistant - University of British Columbia

(2019 - 2020)

• Provided timely and exemptional customer service to residents and other clients.
• Processed payments accurately and in timely manner.
• Used problem solving skills to handle clients’ concerns in a professional manner.

Mortgage Brokerage in BC Inter-Provincial Challenge Course - UBC Sauder School of Business (2021)

Ontario Mortgage Agent Course - Mortgage Professionals Canada (2020)

Accounting Assistant Certificate - Capilano University (2014)

Masters - Statistics - University of the Philippines Diliman (2007)

Bachelor of Science - Statistics (Minor in Economics and Management) - University of the Philippines Los Baños (1997)