Muhammad Azeem Email & Phone Number

Victoria, British Columbia, Canada

Complete and review mortgage application paperwork to ensure accuracy. Analyze credit history and financial information for clients to determine eligibility. Respond to inquiries and questions from senior underwriting and FNF and provide clear information. Escalate any applications that require managerial approval. Define clear credit terms, pricing, and conditions during the application approval process. Build and maintain strong business relationships with customers and other lenders. Secured over $1M second mortgages over a period of 12 months. Achieved and maintained a bad debt number well below the company average through effective collection services.

Surrey, British Columbia, Canada

Direct daily operations for the branch to ensure business runs smoothly. Meet with clients to discuss potential loans up to $100K, calculating debt-to-income ratios for the clients by evaluating credit report, banking history, income, and liabilities and preparing debt evaluation reports to recommend the right products that match client needs and goals while also mitigating risk for the company. Educate clients on cash flow and financial practices and provide support on consolidating high-interest debts. Build positive relationships with clients to better understand their needs and identify cross selling opportunities, pinpointing sales opportunities and recommending additional products that deliver on client goals. Carefully review BC titles, registered liens, and judgements to assess loan qualifications. Lead collections activities for all past due financial accounts, communicating with customers to advise on issues and potential penalties and get back on proper payment schedules.Successfully revitalized a branch which was operating at loss for 11 months, overhauling operations to turn the Trained and mentored struggling employees who ranked as the worst performers in the region and achieved a complete turnaround with one ranked 3rd in performance in the region while the other one was promoted to assistant manager. Dispatched by senior leadership to problem branches to eliminate losses and lead the branches to profitability.

Conducted full labor market impact assessments to show the need for immigrant workers in various roles. Partnered with IRCC case managers to qualify clients. Developed effective personalized immigration strategies for clients to achieve desired results. Carefully evaluated employment risk reports for each client. Built and maintained positive client relations with potential LMIA employers. Achieved a 95% success rate of achieving immigration for clients by crafting personalized strategies and providing clear education to clients on all related policies. Trained and coached a high-volume of clients for immigration through mock interviews and in person meetings. Sourced and secured partnerships with employers for clients who were immigrating to Canada, leading to a strong growth in business and successful immigration for clients.

Vancouver, British Columbia, Canada

Orchestrated positive customer experiences by providing needs-based sales. Utilized consultative sales approaches to identify client needs and offer recommendations. Collaborated with other staff to design and managed Canada wide sales campaigns. Consistently achieved or exceeded all sales targets. Obtained impeccable customer satisfaction ratings.

Certificate, Mortgage Brokerage In British Columbia

Diploma, Business Hospitality Management

Program consisted of subjects like Services Marketing, Customer Relationship Management, Marketing Research, Promotional Strategy.

Bachelor Of Arts - Ba, World Literature

Activities and Societies: Vice president World Literature Student Society

Utp-2, Digital Arts

Activities and Societies: Student educator (Peer Education Program)