Someaa Malik

Dedicated and analytical mortgage professional with over 8 years of progressive experience in mortgage underwriting, funding, and customer service. Demonstrated expertise in reviewing complex financial documents, assessing credit risk, and ensuring compliance with lending policies. Recognized for strong problem-solving skills, attention to detail, and commitment to delivering excellent client service in high-pressure environments.

Underwriter / Fulfillment - Magenta Capital Corporation - Toronto, ON

(2022-01)

• Evaluate mortgage applications, reviewing income, credit, property appraisals, and supporting documents to assess risk and make lending decisions.
• Collaborate with brokers to clarify application details, resolve discrepancies, and ensure completeness of submissions.
• Maintain compliance with company guidelines and industry regulations, reducing funding errors and delays.
• Support pipeline management by prioritizing urgent files and meeting tight closing deadlines.

Mortgage Fulfillment Officer - Ratehub - Toronto, ON

(2020-03 - 2022-01)

• Verified supporting documents including employment letters, bank statements, appraisals, and credit reports.
• Assessed applicant profiles for creditworthiness, property value, and down payment source.
• Ensured accuracy and completeness of all documentation, leading to faster funding turnaround.
• Coordinated with brokers and clients to gather outstanding documents and clarify conditions.

Mortgage Assistant - Independent Mortgage Agent - Toronto, ON

(2019-11 - 2020-02)

• Improved efficiency of loan processing by streamlining document collection and follow-up.
• Prepared accurate and complete loan files for underwriting, supporting fast turnaround on approvals.
• Maintained compliance with privacy and data protection standards.
• Communicated regularly with clients to provide updates and resolve inquiries.

Customer Care Advisor - Scotiabank - Toronto, ON

(2018-02 - 2019-11)

• Handled high volumes of customer inquiries with professionalism and accuracy.
• Resolved issues effectively, increasing customer satisfaction scores.
• Met productivity goals and service level targets for call handling and issue resolution.
• Provided guidance on banking products and services tailored to customer needs.

Customer Service Representative - Progressa - Toronto, ON

(2016-06 - 2018-01)

• Delivered knowledgeable support regarding personal loan products and account information.
• Managed customer complaints and resolved service issues in a timely and empathetic manner.
• Updated client records and maintained accurate logs in CRM systems.
• Participated in regular training to stay current with product changes and service standards.

Business Administration - George Brown College