Summary
Overview
Work History
Education
Skills
Timeline
Generic

ALBANA BALA

Kitchener,ON

Summary

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Driven Mortgage Agent with exceptional knowledge of prospect management and credit analysis. Strategic and organized with enthusiasm for delivering high-quality loan services and products. Pursues opportunities to build connections, increase bank revenue and cement loyalty.

Overview

18
18
years of professional experience

Work History

Internal Mortgage Broker

MCAP Service Corporation
Kitchener, ON
01.2015 - Current
  • Contact Borrowers for scheduled appointments to ascertain borrower’s needs
  • Review financial situation, assess borrower’s ability to qualify for request and submit application if qualified
  • Provide all clients with mortgage options to assist in making an informed decision
  • Handle enhanced rate negotiations and fee discount with borrowers
  • Work with underwriting team and borrower to secure new mortgage approval, collect required documentation and fund new mortgage
  • Adhere to process and service level requirements for each step of the process
  • Build quality relationship with borrower to enable them to become a referral source
  • Achieve, and strive to exceed, sales targets
  • Provide continues support of inbound volume across all lenders
  • Acting as subject-matter expert and first point of contact for Internal Brokers
  • Provide motivation, on-going support, and encouragement during the development of newer agent to obtain performance goals
  • Provide back-up support
  • AML training

Non-Fundable Mortgage Underwriter/Account Manager

MCAP Service Corporation
Kitchener , ON
01.2020 - 01.2021
  • Verify information on application and with the Credit Bureau to ensure accuracy
  • Verify information to make sure it meets company guidelines and external lender guidelines (CMHC/Sagen/CG)
  • Contact client for additional information or clarification to decision the deal effectively
  • Document deals in accordance with recommendation for approval
  • Deliver quick and create mortgage solutions in order to structure files to meet company guidelines
  • Respond to questions and concerns received from clients and solicitors
  • Review all high-risk documentation

Reinstatement Specialist

MCAP Service Corporation
Kitchener, ON
01.2006 - 01.2015
  • Telephone interviews with clients to determine reason for default and remedies to cure
  • Work diligently with clients to determine the best possible option to bring the account current
  • Establish payment arrangements or changes to the loan to bring accounts current in the shortest possible time
  • Continued follow-up with clients, if payment arrangements not being honoured
  • Issue letters to clients confirming arrangements and/or providing instruction
  • Accountable for daily system updates required by fully documenting accounts
  • Timely referral to Asset Recovery Specialist for legal action if loan is uncollectible
  • Accurate and timely reporting to manager at month end
  • Handling multiple accounts, common expenses and property tax arrears

Education

High School Diploma -

Galt Collegiate I. & V. School, Secondary
Cambridge, ON

Received Ontario Mortgage Brokers & Agents Certificate - undefined

Real Estate Mortgage Institute of Canada

Received IT Help Desk Certificate - undefined

Conestoga College
2004

Skills

  • COMPUTER SKILLS
  • MS Office Package: Word, Excel, Outlook, PowerPoint

Timeline

Non-Fundable Mortgage Underwriter/Account Manager

MCAP Service Corporation
01.2020 - 01.2021

Internal Mortgage Broker

MCAP Service Corporation
01.2015 - Current

Reinstatement Specialist

MCAP Service Corporation
01.2006 - 01.2015

High School Diploma -

Galt Collegiate I. & V. School, Secondary

Received Ontario Mortgage Brokers & Agents Certificate - undefined

Real Estate Mortgage Institute of Canada

Received IT Help Desk Certificate - undefined

Conestoga College

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ALBANA BALA