Gord Frampton, B.A.
Toronto
Summary
A collaborative and energetic leader with over 15 years of mortgage industry experience including 5 years of successful leadership experience in a fast-paced environment. Relationship driven with a proven track record of developing high functioning teams, surpassing targets and working cross-functionally to deliver results. Personable and strategic thinker with passion for driving organizational success and fostering collaborative team environments. Possesses deep understanding of leadership principles and financial management, with strong skills in project oversight and strategic planning. Prepared to deliver impactful results through innovative solutions and effective team leadership.
Overview
10
10
years of professional experience
1
1
Certification
Work History
DIRECTOR UNDERWRITING & STRATEGIC INITIATIVES
The Mortgage Coach
05.2024 - Current
- Oversee the Underwriting Team, evaluating new and current applications to determine lender suitability
- Partner with the submission agent to troubleshoot underwriting issues during the transaction
- Review of current processes and procedures to assess if improvements or efficiencies can be identified and addressed
- Liaise with internal and external stakeholders on key operational issues and requirements
- Discuss lender and risk strategies with agents in order to assist with appropriate lender suitability for all applications
- Led ongoing mortgage agent training and development in the form of weekly meetings and daily written communications
- Facilitate meetings with external business partners to drive education and awareness for all mortgage agents and operations staff
SR MANAGER UNDERWRITING
MCAP Service Corporation
02.2020 - 11.2023
- Successfully helped create and lead a team of high performing underwriters by managing daily resources to efficiently distribute mortgage applications, documentation verification and funding between team members to meet or exceed service standards
- Collaborated with sales team on strategies to increase volume and efficiency with new and key accounts
- Reviewed mortgage applications in accordance with MCAP policies and guidelines with approval limit of $1.1M
- Prepare and distribute important written communications via email to team members when required
- Maintain up to date knowledge of MCAP’s credit policy and market conditions to identify and provide coaching opportunities with team members; recommended policy changes and process improvements when required
- Weekly/Monthly analysis of credit risk assessment (AQA) reporting to identity trends and develop necessary action plans
- Created a job shadowing initiative between underwriting and audit to improve relations and understanding of each role and team
- Successfully managed the team through 2020/2021 pandemic while achieving funded volumes of 135% of target in fiscal 2020 and 200% of target in fiscal 2021
SENIOR UNDERWRITER
MCAP Service Corporation
07.2017 - 02.2020
- In fiscal year 2018 had a funded volume of over 130% of target while maintaining an audit record of greater than 97%
- Deliver timely and innovative mortgage solutions, while applying a high degree of accuracy and quality to the file during the underwriting, conditioning and fulfillment process
- Review received mortgage applications along with supporting documentation and negotiate terms with the mortgage broker while mitigating risks identified in the documentation, decline the applications, and approve deals within designated approval authority
Mortgage Underwriter
CFF Bank (c/o Home Trust)
01.2016 - 07.2017
- Manage, and be a key contact, for Ontario CFF Centre brokers, with consistent mortgage originations more than $10M monthly
- Deliver timely and innovative mortgage solutions, while applying a high degree of accuracy and quality to the file during the underwriting and conditioning process
- Review received mortgage applications along with supporting documentation while mitigating risks identified in the documentation, decline the applications, and approve deals within designated approval authority
Mortgage Underwriter
CFF Bank
01.2015 - 01.2016
- Established and maintained positive relationships with brokers, particularly CFF Bank centre brokers, to build brand loyalty and deliver on established service levels
- Ensure that due diligence and risk assessments were completed on files prior to recommending decisions on all applications
- Prepare and issue mortgage commitments, with appropriate conditions, in accordance with CFF Bank guidelines
Mortgage Underwriter
Merix Financial
01.2015 - 01.2016
- Established and maintained positive relationships with internal sales staff, external brokers, underwriters with all three major insurers to build brand loyalty and deliver on established service levels
- Adjudicate, in a timely manner, mortgage applications in accordance with Paradigm/Merix investor guidelines and industry regulations
- Ensure that due diligence and risk assessment has been completed on all files prior to recommending decisions on all applications
Education
CERTIFICATE IN ADULT LEARNING -
Sheridan College
01.2014
BACHELOR OF ARTS - SPORT MANAGEMENT
Brock University
01.2001
Skills
- Credit Analysis
- Account Management
- Relationship Management
- Strategic Planning
- Highly Adaptable
- Problem Solver
- Strategic Thinking
- Communication
- Team Coaching
- Microsoft Office
- Salesforce
- Atlas
Languages
English
Professional Development
Certificate in Adult Learning, Sheridan College, 01/01/12, 12/31/14
Certification
- Licensed Mortgage Broker #M10002541
Timeline
DIRECTOR UNDERWRITING & STRATEGIC INITIATIVES
The Mortgage Coach
05.2024 - Current
SR MANAGER UNDERWRITING
MCAP Service Corporation
02.2020 - 11.2023
SENIOR UNDERWRITER
MCAP Service Corporation
07.2017 - 02.2020
Mortgage Underwriter
CFF Bank (c/o Home Trust)
01.2016 - 07.2017
Mortgage Underwriter
CFF Bank
01.2015 - 01.2016
Mortgage Underwriter
Merix Financial
01.2015 - 01.2016
BACHELOR OF ARTS - SPORT MANAGEMENT
Brock University
CERTIFICATE IN ADULT LEARNING -
Sheridan College
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