Brian Denes
Senior Mortgage Underwriter @Lighthouse Credit Union
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WORK HISTORY
Senior Mortgage Underwriter @Lighthouse Credit Union
Responsible for underwriting complex residential mortgage transactions and supporting the credit risk framework of the organization. • Review and approve complex mortgage applications involving self-employed borrowers, investment properties, and layered credit structures. • Provide guidance and mentorship to underwriting team members on credit policy, income analysis, and mortgage structuring. • Analyze borrower financial profiles including income documentation, credit bureau data, debt service ratios, and collateral valuation. • Structure lending solutions that balance borrower needs with prudent credit risk management and portfolio quality objectives. • Work closely with brokers and internal stakeholders to resolve complex files and maintain strong external relationships. • Ensure underwriting decisions comply with internal lending policies, AML/KYC standards, and regulatory requirements.
EDUCATION
Canadian Securities Institute of Canada
Personal Financial Services Advice, Finance and Financial Management Services
Canadian Securities Institute of Canada
Financial Planning 1, Finance and Financial Management Services
College Lasalle
CEGEP Certificate, Hotel Management
Canadian Securities Institute of Canada
Investment Funds In Canada, Finance and Financial Management Services
SKILLS
ABOUT BRIAN DENES
Mortgage underwriting and credit risk professional with more than 20 years of experience in banking, lending, and financial services.My career has focused on credit analysis, mortgage underwriting, and lending risk management, working across both large financial institutions and specialized lenders. I have extensive experience evaluating borrower creditworthiness, analyzing financial documentation, and structuring mortgage solutions that balance client needs with prudent credit risk practices.Currently I serve as a Senior Mortgage Underwriter at Lighthouse Credit Union, where I review complex residential mortgage applications and support sound credit decision-making within the organization’s lending framework. I regularly work with mortgage brokers and internal stakeholders to evaluate applications involving self-employed borrowers, investment properties, and layered credit scenarios.Earlier in my career I held lending and advisory roles with TD Bank, Prefera Finance, and Finance That, building a strong foundation in credit adjudication, portfolio management, and client financial advisory services.Areas of expertise include:• Mortgage underwriting• Credit risk assessment• Debt service and income analysis• Financial statement analysis• Broker relationship management• Regulatory compliance (AML/KYC)• Residential lending and credit adjudicationI enjoy working in environments where strong credit judgment, disciplined risk management, and thoughtful lending decisions are essential.
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