John De Castro Email & Phone Number

Toronto, On, Ca

Ca

Toronto, Ontario, Ca

Core Responsibilities Work with other RVPs from across Canada by sharing initiatives, ideas, marketing and sales programs. RVP will train and educate all new and existing regional brokers to work with RFA. Implement RFA’s underwriting guidelines & procedures to mortgage brokers in the region. Manage the region’s brokers and growth of agents by interviewing new potential brokers that are not registered with RFA. Conduct reference checks on mortgage agents that are not known to the RVP and/or RFA. Contribute to increasing mortgage applications and funded volume. Manage an acceptable level of decline and cancellation ratios in the region. Weekly and monthly assessments and reviews of regional brokers to ensure business volumes, declines and cancellations are satisfactory. Liaison with a team of mortgage underwriters and production staff to ensure a quality business relationship between Sales and Production staff. Create an awareness of local and area competitive marketing initiatives. Review regional reporting and provide feedback, reports and information to the brokers & team of production staff assigned to the same region. Demonstrate an ability to assist mortgage brokers in growing their business by utilizing RFA’s recognition and rewards programs. Organize the territory by creating, managing, and updating a database of brokers in the territory. Manage a monthly expense account allocation, designed to assist in growing the business in the region. Prepare monthly expense reports in a timely and accurate fashion. Submit weekly call planners and ad hoc reports as directed by management.

Toronto, Ontario, Ca

I empower mortgage brokers to close the right deal for their clients. My approach is relationship-based. Some call it old-school, but I call it effective. My clients know that I do everything in my power to make them feel 100% supported, from picking up the phone to answer questions to driving over to help brokers explain things to their borrower. My experience in the alternative space means I can help brokers find the best possible mortgage product; I always point them in the right direction. • Ensures proper requirements are met for efficient application submission • Gathers key economic, market and competitive data for the Greater Toronto Region to develop success education programs for brokers • Coordinates monthly lunch and learn seminars with business partners to foster broker training and development• Goes above and beyond to make sure brokers feel 100% supported and can support their clients 100%

Toronto, On, Ca

Toronto, Ontario, Ca

I empower mortgage brokers to close the right deal for their clients. My approach is relationship-based. Some call it old-school, but I call it effective. My clients know that I do everything in my power to make them feel 100% supported, from picking up the phone to answer questions to driving over to help brokers explain things to their borrower. My experience in the alternative space means I can help brokers find the best possible mortgage product; I always point them in the right direction. • Ensures proper requirements are met for efficient application submission • Gathers key economic, market and competitive data for Toronto West Region to develop success education programs for brokers • Coordinates monthly lunch and learn seminars with business partners to foster broker training and development• Goes above and beyond to make sure brokers feel 100% supported and can support their clients 100%

Toronto, Ontario, Ca

In this role, I worked on the broker side of the desk, and developed serious empathy for what brokers go through. I believe that working as a broker should be mandatory training for lenders, because it teaches us how brokers manage their clients, build their practices, and what challenges they face daily. It also taught me the reward of seeing a borrower get into a new home for the first time, an experience that fuels me today. • Managed two teams of mortgage specialists and over 30 branches acquiring mortgage financing for their clients after RBC Royal Bank had declined them• Coached and sold mortgage clients on approvals and followed-up on all documentation needed to close the file• Ordered appraisals for mortgage transactions• Followed-up with lawyers to make sure that mortgage transactions were properly completed

Toronto, Ontario, Ca

Over five years, I progressed from an inside sales rep to underwriter and then to manager of mortgage lending. The underwriting side of role was formative because it taught me what lenders really need in terms of documentation and how they look at files; this empowers my ability to support brokers in packaging applications. Developing relationships as an underwriter is a lost art, and I learnt the critical importance of picking up the phone, following up expediently, and what it takes to see a deal through. • Evaluated and recommended mortgage applications by assessing customer’s credit history, collateral and income within established guidelines • Developed business partnerships with brokers, lawyers and appraisers in the mortgage industry• Kept up with the latest industry knowledge, competition and market trends• Tracked sales targets and looked at various aspects of the business to achieve superior results