Karamjit Dhaliwal

Mortgage Underwriting and Document Specialist with over 4 years of experience managing high-volume residential mortgage pipelines across Canadian “A” and “B” lending channels. Skilled in daily client communication, BFS income engineering, B-20 compliance, and lender condition fulfillment, with a track record of improving approval-to-funding ratios through workflow automation and rigorous document adjudication. Comfortable managing 10-20+ files at once in a fast-paced, deadline-driven environment, working independently and remotely while keeping every file moving smoothly from application to funding.