Justin Hazan
Intermediate Residential Underwriter @ CIBC
About
As a Mortgage Underwriter at CIBC, I specialize in evaluating residential mortgage applications and making sound credit decisions that balance responsible lending with strong client outcomes. With over seven years of experience in real estate secured lending (RESL), I bring a deep understanding of credit risk assessment, income analysis, property valuation, and exception rationale. Throughout my career I have worked closely with mortgage professionals, brokers, and internal stakeholders to review complex mortgage applications and deliver thoughtful underwriting decisions that align with lending policies and portfolio risk strategy. My approach to underwriting focuses on thorough analysis, practical risk mitigation, and clear communication with partners across the lending process. I am committed to supporting responsible home financing while maintaining strong credit discipline and efficient turnaround times. I am passionate about continuous learning within the lending industry and enjoy contributing to strong credit decisioning in a fast-paced financial environment.
Canada
Greater Toronto Area
Financial Services
Loan Processing, Document Review, Mortgage Servicing, Business Relationship Management, Communication, Due Diligence, Analytical Skills, Financial Analysis, Customer Service, Microsoft Office, Teamwork, Finance, Microsoft Excel, Microsoft Word, Microsoft PowerPoint, Microsoft Outlook, Windows, Sales, Data Analysis, Administrative Assistance
Experience
Intermediate Residential Underwriter
CIBC
Toronto, Ontario, Canada
Senior Mortgage Underwriter
Woodbridge Capital
• Underwrite and adjudicate residential mortgage applications funded by a private lender • Assess credit, income, property value, and overall risk exposure • Approve, recommend, or decline files in line with internal lending policies • Manage files from submission through commitment, conditions, and funding • Liaise with brokers and solicitors to ensure timely, accurate closings
Senior Mortgage Underwriter
RFA Mortgage Corporation
Toronto, Ontario, Canada
Residential Underwriter
Home Trust Company
Toronto, Ontario, Canada
Senior Underwriter / Mortgage Agent License #M20001089
Private Mortgage Inc. O/A Boutique Lending
Greater Toronto Area, Canada
Brokerage License #13388 Admin License # 13390 -Reviewing clients applications to ensure qualification criteria is met -Mitigating Risk working within lender policies and guidelines. -Ensuring Files are compliant and meet guidelines of FSCO (Financial Services Commission Ontario) -Client Documentation verification i.e. income / details of application /employment etc -Management of existing client/broker account relationships -Communicating with Lawyers/funders /banks Underwriters on a regular basis to obtain updates on files. -Handling large volume of transactions -Mortgage Document Production -Preparing Commitments -Managing files -Sending/receiving correspondence between brokers and solicitor -Reviewing Appraisals -Communicating with Mortgage Brokers and conducting regular follow-up with brokers with respect to outstanding documentation required to adjudicate files -Prepare funding summaries -Organizing file for Closing
Underwriter / Compliance Officer / Mortgage Agent
Ambassador Mortgage Solutions
- Lead Brokerage Underwriter and Document Generation - Head of Compliance and Training of New Agents -Worked under Brokerage Owner following underwriting procedures - Handling large volume of transactions
Administrative Assistant
DLC Ambassador Mortgage Solutions
- Performed Compliance duties on all files - Assisted Brokerage Owners on day-to-day operations - Managed Brokerage Internal Financials using Excel
Education
Seneca Polytechnic
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