Elizabeth Varghese
Credit Analyst Compliance Officer @TD
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WORK HISTORY
Credit Analyst Compliance Officer @TD
Markham, ON, CA
Proud to be a part of newly launched department in Canada’s second largest bank-CART, credit application review teammaking sure all the documents received from the sales channel/MMS are accurate, and do full compliance review for pre and post adjudication -scored 100% on the all compliance Audit-Participates in Underwriting the deal by reviewing the documents and making sure compliance is met for audit purposes and and comments for UW which let them make efficient and informative decision for finalization-expert knowledge in regards to the mortgage lending standard-Deals with CMHC, sagen for Insured mortgages -communicating with the sales channel and Underwriters for effective deal delivery and decision-Coordinating with product owners and analysts in case of any issues needs to be communicated in terms of the application -participated in all mandatory trainings required for compliance -effectively reviewing the credit bureaus and identifying any potential compliance problems in a deal and efficiently communicating to the UW-Ensuring all the post adjudication conditions are met before handing over the deal for funding-Acts as a bridge between the partners such as sales channel and Underwriter for finalizing a deal and helping clients securing their biggest Asset- their home-Handle all types of RESL applications-purchases, builder apps and bridge loans, Refinances, construction draws, new to canada pgm and much more
EDUCATION
Mahatma Gandhi University, Kerala, India
Bachelor of Business Administration (BBA)
Lambton College
Post graduate in Financial planning and wealth management
St josephs public school and junior college, kerala
High School Diploma
SKILLS
ABOUT ELIZABETH VARGHESE
With six years of banking experience and three years as a credit analyst, I specialize in assessing financial risk, analyzing creditworthiness, and supporting lending decisions. My expertise includes financial statement analysis, loan structuring, and ensuring compliance with risk management policies. In addition to my background in finance, I hold an OTL license and have worked as a licensed auto and home insurance advisor. This experience has given me a strong foundation in underwriting, risk evaluation, and customer advisory services, expanding my expertise into the insurance sector. I hold a Bachelor’s degree in Business and a postgraduate certification in Finance and Wealth Management, equipping me with a solid understanding of financial services, investment strategies, and risk mitigation. I’m always open to networking and exploring opportunities in credit underwriting, risk management, and insurance. Let’s connect!
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