Alternative mortgage lending

Private Mortgage Lending

A licensed and certified FSCO Mortgage Agent in the GTA and surrounding area.

Collectively managed a team of individuals based on a specific business unit structure- Account managers in an inbound call center environment.Responsible for coaching, motivating and training of Appraisal Specialists to provide premier customer support to both the lender clients and appraiser partners.1-on-1 basis/Performance review ongoing monthly.Participated in all aspects of employee development from recruitment, hiring process, training and performance management with… Show more Collectively managed a team of individuals based on a specific business unit structure- Account managers in an inbound call center environment.Responsible for coaching, motivating and training of Appraisal Specialists to provide premier customer support to both the lender clients and appraiser partners.1-on-1 basis/Performance review ongoing monthly.Participated in all aspects of employee development from recruitment, hiring process, training and performance management with performance metrics.Introduced relevant North American mortgage and real estate industry knowledge in a facilitator role for new Appraisal Specialist trainees.Promoted intellectual stimulation, and creative problem solving discussions in open forum. This included IT technical training on the values system.Daily Stat keeping for specific clients (Account Management)Continuous management and escalation support for the team throughout rush/peek times and where struggles may have been in question.Resolved escalations to complex issues through creative, outside the box thinking to the satisfaction of the customer.Billing/Accounting adjustments for weekly management reporting.Appraiser panel setup and management unique to each client contract.Created pricing and coverage reports for sales executives and regional directors for client sales as well as post/pre client deployment.Involved in designing and implementing strategic projects for overall business growth and enhancement.Participated on live web builds to search for inconsistencies or "bugs". Show less

• Reviewed a series of Residential Mortgage applications from internal sales and external brokerage (Purchase/Refinance/Transfer)• Thorough information review as requested: Income documentation, Credit Bureau files through Equifax and/or Trans Union, Full Appraisal reviews ordered through outsourced CIBC approved Appraisers across Canada.• Based decisions for approvals or declines by applying analytical and systematic thinking along with the "5 C's" of lending while assessing all risk… Show more • Reviewed a series of Residential Mortgage applications from internal sales and external brokerage (Purchase/Refinance/Transfer)• Thorough information review as requested: Income documentation, Credit Bureau files through Equifax and/or Trans Union, Full Appraisal reviews ordered through outsourced CIBC approved Appraisers across Canada.• Based decisions for approvals or declines by applying analytical and systematic thinking along with the "5 C's" of lending while assessing all risk factors to the bank including any and all AML Government Guidelines.• Kept short customer service turn around time and reducing all or any fraudulent applications, while consistently applying all risk/compliance and due diligence policies, practices and procedures.• Reviewed from the start to completion of mortgage applications and approvals before the funding department is ready to fund files through all channels including any last minute changes that may arise. Show less

President's Choice Financial/CIBC Mortgages and Lending. May 2006-Nov. 2009 Toronto, OnReviewed a series of Residential Mortgage applications from internal sales and external brokerage (Purchase/Refinance/Transfer)Thorough information review as requested: Income documentation, Credit Bureau files through Equifax and/or Trans Union, Full Appraisal reviews ordered through outsourced CIBC approved Appraisers across Canada.Based decisions for… Show more President's Choice Financial/CIBC Mortgages and Lending. May 2006-Nov. 2009 Toronto, OnReviewed a series of Residential Mortgage applications from internal sales and external brokerage (Purchase/Refinance/Transfer)Thorough information review as requested: Income documentation, Credit Bureau files through Equifax and/or Trans Union, Full Appraisal reviews ordered through outsourced CIBC approved Appraisers across Canada.Based decisions for approvals or declines by applying analytical and systematic thinking along with the "5 C's" of lending while assessing all risk factors to the bank including any and all AML Government Guidelines.Kept short customer service turn around time and reducing all or any fraudulent applications, while consistently applying all risk/compliance and due diligence policies, practices and procedures.Reviewed from the start to completion of mortgage applications and approvals before the funding department is ready to fund files through all channels including any last minute changes that may arise.; Met the needs of existing and potential CIBC customers. Promoted, sold, and delivered a range of personal banking products and services by proficiently executing sales management activities: deposit/transactional accounts, GIC, CSB, RRSP, COP, VISA, ABM access, Internet/Telephone Banking, Debit Card, direct deposit/payment, SDB, loans, line of credit, CIBC Mortgages, Home equity line of credit, estate accounts) Provided efficient and effective sales to customers with personal banking needs, not limited to walk-in business, and sold directly and/or indirectly by telephone. Show less

Phone Sales and Reservation Bookings for Retail and Corporate ClientsContract ManagementSold and acquired corporate accountsDaily Insurance Claim Input-Update for over 30 open insurance coverage contracts. Daily deposits and Stat keeping

All Small Business duties: Staff management, Human Resources/payroll, accounting, finances.Including: Screened resumes to ensure experienced and entry-level applicants were contacted/Held interviews/Provided feed back to applicants and to the Business Development Advisor/Participated in Summer Student Recruitment Programs in Peel Region.Merchandise purchasing, processing and display.Installation of Loss Prevention Programs.