At Bank of Nova Scotia, I provide enterprise-level credit oversight and adjudication strategy support for complex RESL, private banking, retail, and mortgage lending transactions.
I assess mortgages, HELOCs, secured lending, and customized credit structures against policy, delegated authority, risk appetite, repayment capacity, LTV, collateral, and borrower risk. I translate exception trends, policy gaps, and control weaknesses into practical guidance for adjudication, governance, and business partners.
Previously at Tangerine, I led independent QA and policy-adherence reviews of mortgage and credit files. I built automated QA and monitoring tools that improved review consistency, accelerated reporting, and surfaced remediation priorities.
My background also includes credit analysis at Dominion Lending and mortgage and consumer underwriting at TD Canada Trust, where I coached junior staff on policy application and documentation standards.
