Brian Denes Email & Phone Number

Toronto, On, Ca

Toronto, Ontario, Canada

Lighthouse Credit Union (Lighthouse CU) launched in 2022 with the goal of serving the diverse needs of the Jewish community in the Greater Toronto Area. Lighthouse CU offers a range of financial service products including everyday banking and mortgages. Lighthouse CU’s senior executive team has deep expertise in the lending market and is overseen by a Board composed of experienced business founders and leaders.

Barrie, Ontario, Canada

- Decisioned credit applications and set conditions within established lending policies using sound judgement.- Maintained and promoted a professional, responsive and positive working relationship with both internal and external partners.- Analysed and evaluated documentation supplied from the brokers/dealers as they relate to credit stipulations placed on adjudicated files.- Prioritized and multi-tasked effectively within a fast-paced deadline driven environment.- Participated in projects as required to assist in the building and development of the business.- Contributed to a positive work environment.

- Handled investments for high net worth clients- Managed referrals to Financial Planning group of partners- Processed and administered mortgage/Home Equity Lines of Credit- Vital in coaching junior representatives within the branch to achieve their sales and volume goals- Opened and closed the branch

- Booked appointments daily with customers to review financial situation- Handled Estate files and dealt with Executors to aid in administering Estates for deceased customers- Opened accounts for customers and helped them maintain their profiles- Advised customers on tips to save money and maintain/contribute to RSP for retirement planning- Administered loan/line of credit requests- Solicited mortgage clients for renewal/new mortgages and administered the entire mortgage application- Dealt with head office to obtain approval on all loan, line of credit and mortgage files- Advised customers regarding Investments (Mutual Funds, GIC renewals) and aided them in forming an investment portfolio to make them money- Worked closely with TD Waterhouse Financial Planning in order to help customers with high net worth

- Determined creditworthiness and set appropriate credit limits.- Provided exceptional service to existing TDFS customers- Evaluated customer financial statements and other credit related information: payment history, credit bureau, income, in order to qualify existing TDFS customers for Unsecured Line of Credit and Personal Loans.- Evaluated and assessed new accounts and existing lines of credit.- Ensured compliance of the bank's loan policies and procedures.- Reviewed credit bureaus and debt service to determine approval or decline of loan requests - Performed initial income calculations prior to requesting verbal verification - Prepared contracts setting out conditions and period of loan and rates of repayment- Handled all incoming calls regarding personal loan applications - Accurately captured and validated customers’ personal and financial information- Solicited customers for optional insurance on loans - Maintained minimum customer service levels and phone standards set out by department manager

- Contacted past due customers to make payment arrangements- Handled collections for 60+ delinquent accounts for Auto, Motorcycle/ATV, Lease and Retail.- Managed a retail (Motorcycle/ATV) portfolio of 300+ accounts with the objective of customer retention and to lower delinquency levels Nationally.- Maintained a National delinquency under 1% on all Motorcycle/ATV product offerings.- Effectively skip traced files using various trace method/tools.- Maintained communication with port authorities, RCMP and IBC in order to detect/prevent fraud and the shipment of vehicles.- Engaged in quality calls with bailiffs and external skip locate companies, establishing good rapport & anticipated debtor/ asset location.- Filed Bankruptcy proof of claims and maintained consistent follow-up with trustees in Bankruptcy to obtain release letter.- Assigned accounts for repossession when warranted, while mitigating company losses.- Managed our legal files and maintained follow-up with law firms after files had been issued for further litigation.- Processed all Total Loss cases and filed GAP claim if necessary- Prepared accounts for Charge-off after units were sold at auction or all collections efforts had been exhausted.- Posted all sales proceeds and auction expenses.- Prepared inventory and charge-off reports on a bi-weekly and monthly basis.- Handled escalated collections calls with diplomacy and efficiency.- Provided assistance to customers and dealers.- Mentored and trained associates within the collections department.- Implemented new departmental procedures.- A key member of a Paperless Project (Records Management Team) to eliminate paper and align the company with privacy objectives.- Involved in the implementation of the Iron Mountain ‘Open Shelf’ Service and the Digital Records Centre.

As Collections Representative, handled delinquent accounts for a leading automotive company.- Participated in implementing new paperless process, resulting in streamlined operations.- Made outgoing collections calls to customers with accounts that were 30-60 days past due.- Prepared daily delinquency report.- Followed up with customers for up to date insurance policies on leased vehicles.- Answered customers’ questions and queries as they arose.

Served as Customer Service/Insurance Tracking Administrator for a reputable finance company, dealing with truck and tractor trailer leases and loans.- Followed-up with insurance brokers and customers for up to date insurance policies for leased trucks and tractor trailers.- Consistently provided excellent customer service and tactfully resolved sensitive issues.- Provided payout quotes to customers and branches across Canada.- Resiliated accounts for customers and posted payments to customers’ accounts.

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Cegep Certificate, Hotel Management

Education record