Provide clients with a consultation to determine their current financial situation,including following through on client requests, anticipating client needs, andproviding end-to-end guidance;Based on client individualized needs analysis, prepare recommendations for customized financial solutions to current and potential customers;Help clients identify risk and manage it appropriately, by understanding the latestdevelopments in the financial world and sharing with clients information that canhelp them make informed decisions;

Meet with potential borrowers to understand their financial situation, homeownership goals, and loan requirements.Provide guidance on the mortgage process, including down payments, credit scores, and interest rates.Analyze client financials (income, debt, credit history) to determine mortgage eligibility.Research available mortgage products from various lenders (banks, credit unions, private lenders) to find the most suitable options for clients.Explain different types of mortgages (fixed-rate, variable-rate, interest-only, etc.), loan terms, interest rates, and payment structures.Advise clients on the pros and cons of different mortgage options.Help clients complete mortgage applications, ensuring all necessary documents and information are provided (e.g., proof of income, credit reports, property details).Submit applications to lenders and assist with any follow-up communication needed to complete the process.Serve as the main point of contact between the client and the lender throughout the application process.Negotiate terms, interest rates, and conditions on behalf of the client when necessary.Keep clients updated on the status of their application and advise them on next steps.Coordinate with appraisers, inspectors, and other third-party professionals to ensure all necessary steps are completed before the loan can be approved and closed.Assist clients with understanding their mortgage documents and ensure all legal requirements are met.Ensure the mortgage transaction closes on time and that all paperwork is properly completed.Provide ongoing support to clients after the mortgage has been secured, offering advice on refinancing, mortgage renewals, or adjustments to their loan terms as needed.Compliance and Ethical Standards:Ensure all mortgage transactions comply with relevant laws, regulations, and industry standards.Maintain client confidentiality and ensure that all information is handled ethically and securely.

• Greet customers professionally and courteously in a timely manner• Provide first rate customer service and always strive to exceed the customer’s needs and expectations• Comply with established security, sales and records keeping procedures and practices, including thedealer management system (DMS) and H-Dnet• Maintain H-D qualifications by reviewing both new and supplemental training programs and masteringthe skills and information contained within the programs• Provide backup for the Finance Office, Analyze borrowers' financial needs and goals• Research financing options to determine which ones might satisfy those needs and goals

Evaluate the borrower’s financial background, credit score, income, and other relevant factors to determine eligibility for a subprime loan.Develop loan terms and conditions that are suitable for te borrower, while accounting for the higher risk.Collect required documentation from applicants and review it for completeness and accuracy.Ensure that the borrower understands the loan terms, including interest rates, repayment schedules, and any fees associated with the loan.

• Plan, develop, monitor, and report on project schedules and contract costs.• Participate in client meetings, reviewing project plans, scheduling, possible cost savings measures, adherence to standards, and potential problems.• Manage work contract administration, including change order management, dispute resolution, contract review, obtaining building permits, and deficiency correction.• Develop and manage tenders, while building relationships with subcontractor services.• Coordinate projects to ensure adherence to budget and schedule while maintaining a high level of quality and professionalism.

• Managed the deployment / rollout of new Server hardware with a Windows 2012 Server platform to all TD Bank Retail branch locations.• Managed the deployment / rollout of new Computer hardware with a Windows 7 platform to all TD Bank Retail branch locations.• Centralized technical support for the IBM SSR field technicians staffed 6/24 across all time zones on a given day. • Monitoring and tracking of all conversion activities/tasks during the rollout.• Facilitating / moderating teleconference bridges, while proactively ensuring all Retail sites progressing as to milestone plan.• Reporting and liaising with the Business Control Centre (TD Bank), IBM Service Desk and various Technical Support Engineers at third level support.

Managed the deployment of a common middleware platform (FabSoft) to approximately 1100 Ricoh Multi-Function Devices capable of meeting requirements for “Signature Card”, “Ad-hoc” and “Predictive” scanning.Managed the deployment of a custom scan capability (FabSoft Scan Companion) to approximately 1100 Enterprise Laptops for the Mobile Mortgage Specialists enabling remote scanning of custom banking documents.Management of small to large projects (ranging in size from $400K to $3M), including multiple internal applications and external vendors.Manage changes into Production ensuring minimal or highlighted risks to services are clearly articulated and supportable when implemented.Work with Technology Partners to cost, test and implement projects in support of Line of Business Partner initiatives from an Infrastructure perspective.Work with the Technology teams to assess the technology components of a project, to ensure appropriate resourcing and timelines are associated to the Project work effort, and work in setting those expectations with the Project Team.

Managed infrastructure move of approximately 200 Servers from the Waterloo Data Center to an offsite Data Warehouse.Organizing and managing interdepartmental and/or cross-functional team activities ensuring completion of the project on schedule and within budget constraints.Planning directing and monitoring schedules and budgets.Monitoring programs/projects from initiation through delivery.Ensuring the timely, thorough and accurate completion of all design and development projects.Completing scope of work definitions, functional specifications, system and technical architecture definition, implementation, unit and system testing, development and delivery of completed project/product.

Managed the deployment / rollout of the uninterruptible power supply replacement project to all 1020 TD Bank Retail branch locations with up to 15 Branches being completed per night.Managed the deployment / rollout of a Windows XP platform replacing OS/2, new server and workstations to all 1020 TD Bank Retail branch locations including 1294 servers deployed and 18100 workstations installed.Centralized technical support for the IBM SSR field technicians staffed 6/24 across all time zones on a given day. Managed the Change Management Process, Risk / Problem / Escalation management and contingency planning including root cause analysis and follow up.Monitoring and tracking of all conversion activities/tasks from Integration Centre build, server install at T-5, T-0 Conversion day activities from branch closing to final test scripts completed.Facilitating / moderating teleconference bridges, while proactively ensuring all Retail sites progressing as to milestone plan. Reporting and liaising with the Business Control Centre (TD Bank), IBM Service Desk and various Technical Support Engineers at third level support.

Built, developed and tested a secure Cluster/Ministry specific desktop image for 5,200 new systems for the Desktop Refresh Project, and maintained linkages to the Domain upgrade transition and server consolidation refresh projects, utilizing a base platform of Windows XP Professional, Office XP Professional, McAfee Antivirus, and Systems Management software.Provided software expertise and problem resolution for image testing and application development testing activities, identifying problems and making adjustments and corrections to the desktop software build as required.Supplied technical support and advice to the Desktop Refresh rollout and installation teams. Built packaged software upgrades and patch updates using SMS.Developed and prepared documentation detailing the PC image builds, and all related activities including data transfer and disposal of old equipment along with end user documentation detailing the significant changes to the desktop environment.

Participated as a team member in the delivery of projects and provided technical support and advice.Created, and deployed workstation changes and new applications using SMS on W2K/XP networks.Daily operational support in the delivery of technology services, including W2K/XP Workstation Environment.Installation of W2K/XP on the workstation, creating and establishing a desktop standard to roll out to the various clients.Recorded resolution in Remedy and supported client calls through site visitation or telephone.

Project co-ordination/implementation as it relates to infra-structure (Move/Add/Changes, etc).Create and administer service desk procedures and policies.Server management of file & print facilities (backups, reporting etc.).Respond to, log, track, follow-up with PC/LAN support problems/requests calls using Heat problem management software.Create and administer standard images for PC's and notebooks service desk procedures and policies.General infrastructure support, DHCP and LAN support. Service management meetings with key customer groups.

Assist in the migration of 4000 computers from Windows 95 to Windows 2000, ensuring that timelines are met per the project rollout schedule. Deploy new computers and template existing hardware using Ghost software. Setup user's profile and provided access rights to various user directories. Install UHN specific applications using SMS packages and provide users with the proper security access to use them. Responsible for troubleshooting software and hardware related problems. Transfer knowledge, provide support and leadership to other team members. Ensure the customer has the right IS services they need to be successful.

Assist in the migration of 4000 computers from Windows 95 to Windows 2000, ensuring that timelines are met per the project rollout schedule.• Deploy new computers and template existing hardware using Ghost software.• Setup user’s profile and provided access rights to various user directories.• Install UHN specific applications using SMS packages and provide users with the proper security access to use them.• Responsible for troubleshooting software and hardware related problems.• Transfer knowledge, provide support and leadership to other team members.• Ensure the customer has the right IS services they need to be successful

Managed the overall development of multiple large projects ensuring the planning and coordination of project plans, monitoring schedules, activities, and status reports.Team Leader in the migration of 2500 devices (servers, computers, printers) from Token Ring to Ethernet, ensuring that timelines were met per the project rollout schedule. Team Leader in the migration of 1800 computers from Windows 95 to Windows 2000, ensuring that timelines were met per the project rollout schedule.Provided consultation and expertise to project teams to assure that the effective use of tools, techniques, and standards were used to complete projects.Responsible for managing a technical team of nine contract employees.LAN administration and maintenance of Windows NT Servers.Installed MTO specific applications using SMS packages and provide users with the proper security access to use them.Management of complex problems / trends within the client computing environment.

Desktop / Server SupportTeam Leader in the rollout of major IS initiatives such as the Windows 2000 migration.Administration, setup and maintenance of Windows NT /2000/Exchange Servers.Maintain and manage the standard CPR client hardware / software including Windows95, Windows NT4.0 / 2000, OS/2, Lotus Notes, MS Office, Rumba 5.1 / 5.2, Mainframe 3270, Merlin, and over 90 CPR apps.

Server / Desktop SystemsAdministration, setup and maintenance of Windows NT and Novell Servers.Provided on-site desktop support and training of approximately 380 users, stationed at four separate sites.Team Leader on the Molson Y2K desktop upgrade project, responsible for managing a technical team of 4 contract employees and upgrading 380 workstations.Team Leader in the migration of 380 computers from Windows 3.11/98 to Windows NT4.0,

Responsible for providing second level desktop and server support for the following list of companies: Molson Canada, Canada Trust and Sun Life.Responsible for completing MAC activities for Molson Canada, Canada Trust and Sun Life.

On-site service and support at Dofasco offices and steel plant.Responsible for completing MAC activities.