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Huzefa Patni is a seasoned retail credit underwriter with extensive experience in mortgage underwriting, risk management, and credit analysis. Currently employed at DUCA Financial Services Credit Union Ltd. since March 2018, Huzefa has optimized mortgage approval precision, effectively managed a significant loan portfolio, and identified fraud cases with high accuracy. Prior experience includes key roles at CIBC, where Huzefa processed mortgage applications with exceptional accuracy and contributed to risk mitigation through market analysis. Huzefa's diverse background includes positions ranging from credit support specialist to customer service representative, demonstrating a strong ability to enhance operational efficiency and client satisfaction. Huzefa holds a Canadian Risk Management Designation and a Bachelor of Commerce from Toronto Metropolitan University, complemented by credentials in international trade and business administration.