Kristin Ramesar
Cunupia
Summary
Adept individual with more than 18 years working in the Mortgage industry. Dedicated and experienced in mentoring and challenging team members to meet and exceed company goals.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Manager, Mortgage Origination
Trinidad & Tobago Mortgage Bank Limited
01.2024 - Current
- Monitor and manage staff performance and act as necessary to align performance with department goals
- Implement actions identified in the Internal Audit Reports and External Audit Management Letter (ML) in accordance with agreed milestones
- Establish key performance results and develop SMART goals for all staff
- Facilitates requests and supports the Head of Department or representative on mortgage services / mortgage banking and related matters
- Prepares and oversees preparation of reports and records as required
- Plans and organises the operations of the Unit in providing mortgage lending services by overseeing the end-to-end workflow process from assessment through loan approval and preparation for disbursement
- Monitors adherence to policies and procedures
- Monitors achievement of budgeted targets
- Other duties and responsibilities which are incidental or consequential and which may be assigned
Assistant Manager, Mortgage Origination
Trinidad & Tobago Mortgage Finance Company Limited
02.2019 - 07.2022
- Review internal business processes as necessary to ensure that systems facilitate timeliness and accuracy in all processes
- Preparation and maintenance of departmental reports and reports to external stakeholders
- Establish key performance results and develop SMART goals for all staff
- Identify and document training needs for all staff
- Address any employee relations issues within48 hours of receipt seeking the required advice
- Processing of high-profile applicant transactions
- Completion of other duties that may be assigned
Senior Mortgage Officer, Mortgage Officer
Trinidad & Tobago Mortgage Finance Company Limited
10.2013 - 02.2019
- Assessment of customer(s) eligibility through credit risk analysis
- Compiling and maintaining of reports sent to the Trinidad and Tobago Housing Development Corporation (HDC)
- Supervision of Mortgage Officers (GAAP Unit)
- Preparation of Mortgage Recommendations for Approval
- Review and issuance of Client Packages
- Generating and review of TransUnion Credit reports
- Time sensitive system application creation and maintenance
- Handling of Miscellaneous correspondence and customer queries
- Maintaining open dialogue with applicants
- Processing of high-profile applicant transactions
- Provide general mortgage information to all customers
- Completion of other duties that may be assigned
- Increased loan approval rates by diligently reviewing applicant''s financial information and credit history to provide sound recommendations to underwriters.
Relief Receptionist/Operator, Receptionist, CSR
Trinidad & Tobago Mortgage Finance Company Limited
12.2006 - 09.2013
Education
MBA - Business Administration
SBCS (Edinburgh Business School – Heriot-Watt University)
St. Joseph’s Convent
01.2002
Skills
- Technical Expertise
- Mortgage origination, underwriting, and portfolio management
- Regulatory compliance (AML, KYC, data protection)
- Financial analysis and risk assessment
- Leadership & Strategy
- Team leadership with a focus on performance management and development
- Strategic planning to optimize operations and drive growth
- Process improvement and workflow automation
- Customer & Market Focus
- Client relationship management and dispute resolution
- Market analysis to align strategies with trends and opportunities
- Cross-selling financial products to enhance revenue
- Core Strengths
- Effective communication and collaboration
- Agile decision-making in dynamic environments
- Detail-oriented with strong organizational skills
Certification
- 2021- Certificate of Participation – Effective Employee Performance Management
- 2018- Certificate of Completion in TTMF Leadership Development from The Caribbean Centre for Leadership Development Ltd
- 2017 - Certificate of Completion in Business Writing Skills
- Public Speaking and Presentation Skills Workshop
- Excel Secret & Techniques in Management Reporting Training
- 2016 &2014- Certificate of Participation in Understanding Financial Statements NEM Leadership Consultants
- 2016 &2013- Certificate of Participation in Credit Training-Bridging Finance Workshop Institute of Banking & Finance of Trinidad & Tobago
Timeline
Manager, Mortgage Origination
Trinidad & Tobago Mortgage Bank Limited
01.2024 - Current
Assistant Manager, Mortgage Origination
Trinidad & Tobago Mortgage Finance Company Limited
02.2019 - 07.2022
Senior Mortgage Officer, Mortgage Officer
Trinidad & Tobago Mortgage Finance Company Limited
10.2013 - 02.2019
Relief Receptionist/Operator, Receptionist, CSR
Trinidad & Tobago Mortgage Finance Company Limited
12.2006 - 09.2013
- 2021- Certificate of Participation – Effective Employee Performance Management
- 2018- Certificate of Completion in TTMF Leadership Development from The Caribbean Centre for Leadership Development Ltd
- 2017 - Certificate of Completion in Business Writing Skills
- Public Speaking and Presentation Skills Workshop
- Excel Secret & Techniques in Management Reporting Training
- 2016 &2014- Certificate of Participation in Understanding Financial Statements NEM Leadership Consultants
- 2016 &2013- Certificate of Participation in Credit Training-Bridging Finance Workshop Institute of Banking & Finance of Trinidad & Tobago
MBA - Business Administration
SBCS (Edinburgh Business School – Heriot-Watt University)
St. Joseph’s Convent
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