Declan Murphy Email & Phone Number

Markham, On, Ca

Woodbridge, Ontario

Toronto, Ontario, Canada

Structured and issued an average of 10 - 15 Letters of Intent monthly for small business owners with terms of $500,000 - $5,000,000.Assessed the financial strength and repayment capacity of borrowers, along with collateral analysis and property location to determine risk exposure prior to decisioning to minimize risk while maximizing profitability.Demonstrated excellent follow-through with Mortgage underwriters, loan funders and management throughout all phases of the underwriting process in order to ensure timely funding of the mortgage.Oversaw loan process by monitoring movement of file through company pipeline to achieve a minimum 85% closing ratio.Developed and maintained relationships with mortgage agents / Brokers which expanded customer base and increased overall sales. Conducted a minimum of 20 presentations / training session on structuring commercial mortgage transaction

Greater Toronto Area Metropolitan Area

Excellent working knowledge of pre and post funding mortgage practices, regulations and guidelines. Assessed the financial strength and repayment capacity of borrowers, along with collateral analysis and property location to determine risk exposure prior to decisioning to minimize risk while maximizing profitability.Demonstrated excellent follow-through with loan processors, loan originators and management throughout all phases of the underwriting process in order to ensure timely funding of the mortgage.Held a delegated lending Authority of $750,000.00 as issued by risk management.Effectively explain credit decisioning on banking system to allow transparency for audit and quality assurance purposes to support lending decision. Adjudicated mortgage applications promptly to ensure client and broker satisfaction within the 24 hour turnaround time. Provided exemplary customer service to both internal and external customers by explaining credit decisioning and offering alternative options as required.

Greater Toronto Area Metropolitan Area

Structured and recommended for approval an average of 20 commercial mortgage applications monthly for small business owners with terms up to $1,200,000.00.Assessed the financial strength and repayment capacity of borrowers, along with collateral analysis and property location to determine risk exposure prior to decisioning to minimize risk while maximizing profitability.Demonstrated excellent follow-through with loan processors, loan originators and management throughout all phases of the underwriting process in order to ensure timely funding of the mortgage.Oversaw loan process by monitoring movement of file through company pipeline to achieve a minimum 80% closing ratio.Developed and maintained relationships with mortgage related professionals which expanded customer base and increased overall sales. Participated in industry tradeshows, and underwriting presentations at client offices in order to develop relationships and solicit business

Toronto, Ontario, Canada

Mortgage Retention Officer 2004 – 2005Structured mortgage applications and recommended them for approval ensuring they fit both ING Direct and CMHC/Genworth guidelines.Responsible for underwriting pre-approvals as required.Developed and maintained relationships with existing clients in order to solicit new business which resulted in 20-30 applications monthly.Developed and presented Underwriting and sales training material which supported transition for new staff to mortgage retention team. Mortgage Broker Specialist 2003 – 2004Managed existing broker relationships as well as solicit new ones in order to increase the organization’s mortgage portfolio.Handled broker escalation to achieve timely resolutions that were satisfactory to the brokers, the clients and the bank which resulted in an overall increase to funding and customer retention.Involved in the launch of Mortgage Broker Specialist department which resulted in increase to funding by 25%. Mortgage Associate 2002 - 2003Responsibilities as a Mortgage Associate included educating clients on ING Direct mortgage products, up selling mortgage products, and taking quality mortgage applications over the phone. Met sales target. Direct Associate 2001 – 2002Enrolled new clients, posted transactions, cross selling bank products, opening GIC and RSP accounts, taking loan applications and consistently met or exceeded sales targets.