CURRICULUM VITAE
KOKILA KAMRA - Jenny
PROFESSIONAL SUMMARY
Working as a Mortgage underwriter with Money Gate Corp. (Brokerage) for past 3 yrs I am
known for my strengths in risk assessment, income/credit analysis and documentation review.
Consistently commended for the timely and accurate completion of compliant loan packages
facilitating volume growth while preserving book-of-business quality.
Comprehensive knowledge of underwriting guidelines and restrictions for conventional and
high ratio loan programs. Work collaboratively with team members to drive deals to successful
funding and close.
Looking for a challenging position in an organization where I can provide my best to take a
process to the next level by enhancing my skills and strengths in conjunction with the company’s
goals and objectives, while incorporating my learning and professional experience and prove to
be an asset for the organization
EDUCATION_
Mortgage Agent License 2012
Toronto, Ontario,
LLQP Qualification, IFSE 2012
Toronto, Ontario,
Professional Web design and developer Certification 2001
Tech –Connect England UK
PERSONAL DETAILS_
Address: Nationality: date of birth:
37 Chumleigh Crescent British 04.12.1976
Thornhill, ON L3T 4G5
Email: telephone: status:
******.*****@*****.**** 647-***-**** Permanent Resident
EXPERIENCE_
Money Gate Corporation
Toronto, Ontario
Mortgage Underwriter 2012– 2015
Key Achievements
Ensured loan submittals met internal and external eligibility requirements. Gained
experience in underwriting conventional & high ratio mortgages.
Provided meticulous attention to detail in underwriting mortgages. Evaluated the financial
strength of borrowers to determine risk and repayment capacity.
Leveraged knowledge of loan products to help restructure turned-down loans for
subsequent approvals. Maintained compliance with lending, underwriting and
government requirements.
Confirmed and validated loan packages with thorough audits, by following loan-
underwriting guidelines, assuring that all calculations are correct & true.
Reviewed credit reports and appraisals per guidelines to ensure the collateral is
acceptable to investor guidelines.
Confirmed the accuracy of income, asset and liability documents so they comply with the
guidelines.
Demonstrated excellent follow-through with borrowers, loan processors, loan originators
and management throughout all phases of the underwriting process .
By identifying Clients needs helped them develop a comprehensive financial strategy and
recommend products that would help them build their savings and protect their
investments.
ICICI BANK CANADA
Toronto
Operations officer 2006 – 2011
Responsible for Daily Processing of INWARD and OUTWARD CLEARING in compliance with the
CPA RULES.
Validation of the customer account with Core Banking System.
Searching physical instruments for returning.
Archival of all the physical instruments. Management of physical instruments.
Data entry in the CBS with physical instruments.
Verification of the above and Creation of physical instruments.
Reconciliation and Settlement
Balance accounts, verify accuracy of computation and resolve discrepancies. Reconcile
Nostro Accounts.
Responsible for daily clearing of EFT done by online customers .
Selected Accomplishments:
Assisted in Streamlining reconciliation process and implemented a status activity sheet
slashing errors in reconciling items by over 90%.
Researched long pending items in Nostro with the involvement of relevant teams /
departments to ensure the un-reconciled open items are kept at bare minimum
Tightened the financial transactions to comply with the regulatory and compliance risk
controls as per the banks standard policies.
Thoroughly conversant with the Canadian Payment Association CPA clearing system for
online payments, and Paper clearing, ensuring the inter-bank settlement of funds are
accounted for and reconciled daily.
Assisted in smooth migration of the Clearing Department from ICBS to FINACLE
SYSTEM (the new operating system used by the banking.)
Reported Forex Transactions on daily basis for incoming MIS.
Prepared and Reported LCTR and STR (large cash and suspicious transactions) to
FINTRAC on daily basis.
SKILL SET_
Critical & Analytical thinking
Understanding and addressing client needs
High attention to detail
Risk mitigation
Good organization & time management
Professional and ethical conduct
Collaborative & trustworthy – Fun & Energetic
Interpersonal skills
Social Perceptiveness
LANGUAGES & OTHER INTERESTS_
- English [Native] - Punjabi [Basic] - Hindi [Basic}
My other interest includes Music, Reading, Cooking always enjoyed a good home cooked meal.
REFERENCES_
Professional Reference : Personal Reference:
Ben Katebian Pantea Sahebdivani
CEO Family Friend
Money Gate Corp. Ph: 416-***-****
Ph: 416-***-****
Bita Ghaffari Pankaj Malik
Principal Broker Family Friend
Money Gate Corp. Ph: 647-***-****
Ph: 416-***-****