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@aaauser2

Mortgage underwriter at TD Bank who adjudicates residential lending applications and contributed to reducing processing delays by approximately 15%.

Canada
Message

At TD BANK, I independently review and adjudicate residential mortgage and home equity applications within delegated lending authority. I assess borrower creditworthiness, repayment capacity, and collateral, then document clear underwriting rationales that align with credit policies and regulatory requirements.

I also contributed to operational improvements that reduced application processing delays by approximately 15%. Previously, at CROSSWORLD SOLUTIONS TECH CORP. and LAGOS STATE MINISTRY OF FINANCE, I reviewed financial records, investigated compliance concerns, and contributed to control and documentation improvements.

Experience

Work history, roles, and key accomplishments

TD Bank logoTB
Current

Underwriter

Mar 2024 - Present (2 years 8 months)

Independently adjudicate residential mortgage and home equity lending applications within delegated authority, ensuring compliance with credit policies and regulations. Analyze borrower financials, credit history, and GDS/TDS/LTV to make risk-based decisions, and collaborate with sales partners and insurers to resolve issues and maintain service levels.

TD Bank logoTB
Current

Underwriter

Mar 2024 - Present (2 years 8 months)

Independently adjudicate residential mortgage and home equity lending applications within delegated authority, ensuring compliance with credit policies and regulations. Analyze borrower financials, credit history, and GDS/TDS/LTV to make risk-based decisions, and collaborate with sales partners and insurers to facilitate timely approvals.

CC

Financial Operations & Compliance Analyst

Crossworld Solutions Tech Corp.

May 2023 - Feb 2024 (9 months)

Reviewed financial transactions and internal processes to identify discrepancies and compliance concerns. Conducted compliance reviews, prepared reports, and recommended corrective actions to strengthen operational controls.

CC

Financial Operations & Compliance Analyst

Crossworld Solutions Tech Corp.

May 2023 - Feb 2024 (9 months)

Reviewed financial transactions and internal processes to identify discrepancies and compliance concerns. Conducted compliance reviews, prepared reports, and recommended corrective actions to strengthen operational controls.

LF

Financial Risk & Compliance Analyst

Lagos State Ministry of Finance

Oct 2018 - May 2023 (4 years 7 months)

Analyzed financial statements, budgets, and transactions to assess risks and support decision-making. Monitored expenditures, conducted risk assessments, and prepared reports to improve financial oversight and compliance.

Education

Degrees, certifications, and relevant coursework

Centennial College logoCC

Centennial College

Graduate Certificate, International Business Management

Graduate Certificate in International Business Management from Centennial College, Ontario, completed in 2024.

Centennial College logoCC

Centennial College

Graduate Certificate, International Business Management

Graduate Certificate in International Business Management from Centennial College, Ontario, completed in 2024.

University of Lagos logoUL

University of Lagos

Bachelor of Science, Insurance

Bachelor of Science in Insurance from the University of Lagos, completed in 2016.

University of Lagos logoUL

University of Lagos

Bachelor of Science, Insurance

Bachelor of Science in Insurance from the University of Lagos, completed in 2016.

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