**** ********* **. *.*

Calgary, AB

T*G *L*

Cell- 403-***-****

Deborah C. Pinel

Objective To obtain employment with your company.

Experience 2018 – to date

Mortgage Alliance Mortgages Are Marvelous – Mortgage Associate

Work with clients to find them the Right Mortgage for them,

Market Mortgage Alliance and myself to get business

Work on Boss and Filogix

Build clientele list

Work closely with Realtors with Open houses providing feature sheets and attending the open house to speak to clients.

Keeping up with daily Mortgage rules and regulations.

Working with Microsoft and Excel to organize client’s information, mail outs and renewals.

Understanding the needs of my clients and fulfilling them with the best options for them.

Fully Underwrite, and administer Mortgages for the client and to the lender, following all Lender requirements and according to their compliance.

Credit review and approval, if the credit is not acceptable, council to my clients how to better their credit for further approval in the future.

Offers insurance and advises clients the importance of insurance for themselves and the Mortgage.

Keep a GL of all expenses, loss and profit.

Attend Lender conferences and training.

Experience 2015 – to date

Greater Calgary Real Estate – Conveyance Administrator

Front line reception – on line, in person and by phone

Distribute incoming mail, Preparing and sending outgoing mail

Working on Deal Manager to process all deals and listings

Reviewing documents on all deals and listings to ensure the correct information has been inputted on Deal Manager

Training new Realtors on the Environment system and offering support with the system to all staff.

Processing Commission and Conveyance docs to Brokerages and Lawyers

Processing Deal pay outs and preparing payments to Lawyers, Brokerages and our Realtors

Bank deposits

Work independently from home

Attend general knowledge meetings with the Realtors and Broker. Experience 2011 - 2015

Equitable Bank – Residential Underwriter

Review Credit applications for approval or decline decisions for Residential Underwriting

Prepare mortgage approvals with conditions

Analyze land titles, purchase contracts, and appraisal reports

Verify accuracy of specifications on Mortgage documents

Communicate with appraisers, lawyers and Mortgage Brokers to all aspects of the mortgage

Work closely with Business Development Managers

Work closely with Mortgage Brokers

Experience 2007- 2012

CIBC Mortgage Residential Underwriter

Document follow up on in house deals.

Prepare file for funding.

Customer Care.

Analyze land titles, purchase contracts, and appraisal reports

Verify accuracy of specifications on mortgage documents

Ensure all conditions to mortgage approval are met.

Confirm all closing details including dates, client information, and payment frequency.

Able to evaluate and recommend mortgage applications.

Read, understand and translate into mortgage applications credit bureaus. Have taken a course from Equifax.

Communicate with appraisers and solicitors in regards to all aspects of the mortgage.

Establish risk to mortgage applications.

Work on one and one when necessary, escalate when needed.

Constant upgrading knowledge in a revolving industry that changes per day.

Complete all servicing for changes required on mortgages. Experience 2005-2007 Bridgewater Bank

Retention underwriter

Work close with upcoming renewals, ensuring we retain existing business

Solicit existing clients upon renewals for refinancing, 2nd mortgages, and new purchases. Up selling if required.

Underwrite new deals coming in from existing clients. Including refinancing, 2nd mortgages and purchase.

Input in expert and express (Filogix)

Have used Emili, and gemmi web base programs.

Document follow up on in house deals.

Prepare file for funding.

Customer Care.

Release of Covenants.

Analyze land titles, purchase contracts, and appraisal reports 2004-2005 Bridgewater Financial Services Ltd.

Administration

Ensure deadlines for property taxes are paid.

Prioritize daily work, ensuring each task has been completed in a professional and efficient order.

Preparing, organizing and paying property tax bills

Customer Services

Answer phone calls from clients in regards to all aspects of their Mortgage.

Efficiently able to offer assistance with any problem that occurs.

Analyze and prepare reports to Municipalities and clients to assist in Property tax needs.

Have prepared mortgage statements.

Have worked in Doc follow- up

Prepared discharges and transfers.

2000 - 2004

Administrative Assistant with Mortgage Intelligence

Customer Service

Doc Follow up

Completing Applications for mortgage lenders

Ensure deadlines for Mortgage documents have been sent to mortgage Lenders

Ordering Office Supplies

Support with Marketing for Brokers.

Travel Arrangements

To schedule appointments and ensuring all appointments are kept in a professional manner.

Work in an atmosphere with minimum Supervision.

To understand and incorporate all Lenders needs, and abide by all guidelines of A.M.B.A and R.E.C.A guidelines.

Answering all incoming calls and efficiently act upon each client’s individual needs, being able to communicate these needs to Mortgage brokers, enabling them to obtain the mortgage for each individual client.

Document follow up for all in house files.

1999-2004 Sutton Real Estate

Retail Sales

Customer Service

Making sure all paper work is in for closing date.

Efficiently learning and operation the M.L.S system

Support with Marketing for Realtors.

Travel Arrangements

To schedule appointments and ensuring all appointments are kept in a professional manner.

Work in an atmosphere with minimum Supervision.

Answering all incoming calls and efficiently act upon each client’s individual needs, being able to communicate these needs to Realtors, enabling them to obtain the Real Estate needs for each individual client.

Ordering Office Supplies

1994-2000 YMCA

Baby Sitting Supervisor

Customer Service

Work and Vacation schedules

Budgets

Ordering Office Supplies

To schedule appointments and ensuring all appointments are kept in a professional manner.

Work in an atmosphere with minimum Supervision.

Early Childhood Development

1994-1999 Boutique of Leathers

Retail Sales- Store Manager

Customer Service

Work Schedules

Support with Marketing.

Store Budgets

Window Displays

Work in an atmosphere with minimum Supervision.

Ordering Office Supplies

Vacation Schedules for 15 staff members.

Education

High School Diploma

Short Story Writing

Marketing

Management

Marketing Management

Sales

Excel Spreadsheets 1

Mortgage Broker Course

Interests Meeting new people, reading, and expanding my everyday knowledge. Personal

Reference

Sandra Rafferty

Ph: 403-***-****

Contact this candidate