Summary
Work History
Education
Skills
Timeline
68

Angela Alderson

Mortgage Agent Level 1
Kingston,ON

Summary

Dynamic Mortgage Agent with proven expertise at DLC FC Funding, adept at risk assessment and client management. Successfully streamlined loan processing, enhancing efficiency and reducing defaults. Skilled in financial analysis and relationship building, I excel in guiding clients through complex mortgage solutions while ensuring regulatory compliance and exceptional service.

Work History

Mortgage Agent Level 1

DLC FC Funding
Kingston, Ontario
01.2023 - Current
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Identified lending risks and implemented strategies to reduce loan defaults.
  • Collaborated with company teams to expedite loan approval processes.
  • Updated client account information and records in company databases.
  • Ensured compliance with federal and state lending regulations.
  • Improved loan processing times by streamlining application procedures.
  • Advised borrowers on the best strategies for managing their debt obligations.
  • Monitored loan progress, ensuring timely processing and closing.
  • Processed loans with demonstrated mastery of underwriting criteria and best practices.
  • Conducted risk assessments on loan applications using predictive models.
  • Established and nurtured relationships with real estate agents and other industry professionals.
  • Developed relationships with clients by providing professional advice on mortgage products.
  • Informed customers of application deadlines, approvals and denials.
  • Responded promptly to inquiries from customers regarding their loans.
  • Utilized CRM systems to effectively manage client interactions and follow-ups.
  • Educated clients on the implications of changes in mortgage rates.
  • Prepared and reviewed loan agreements to ensure accuracy and completeness.
  • Researched and analyzed market trends to identify potential customers.
  • Approved or denied loan applications and explained reasoning behind decisions.
  • Analyzed market trends to advise clients on optimal timing for loan applications.
  • Facilitated communication between clients, lenders, appraisers, title companies.
  • Developed creative solutions to meet clients' needs while adhering to federal regulations.
  • Developed loan contracts and explained contract terms to clients.
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Addressed and resolved applicant and borrower queries throughout the loan cycle.
  • Guided applicants through the loan process, from application to closing.
  • Compiled documents required for loan approval such as tax returns and bank statements.
  • Identified potential risks associated with certain types of loans or borrowers.
  • Collected and verified financial information from applicants.
  • Provided guidance on the various types of mortgage options available.
  • Developed catered loan offers to meet clients' needs.
  • Conducted financial assessments of applicants' creditworthiness and suitability for mortgages.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Developed and recommended personal or commercial loan packages for clients.
  • Prepared reports for customers with delinquent and irreconcilable accounts.
  • Kept detailed records regarding approved, denied and received loan applications.
  • Developed and maintained relationships with local real estate agents.
  • Processed payments and monitored delinquencies according to established procedures.
  • Updated job knowledge by participating in educational opportunities such as webinars or conferences.
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans.

Ophthalmology Technician

LASIK MD
Kingston, Ontario
04.2001 - 05.2007
  • Conducted visual field tests to detect abnormalities in peripheral vision.
  • Coordinated with external laboratories and vendors for eyewear and contact lens orders.
  • Communicated with patients to obtain and document medical histories.
  • Prescribed medications when necessary
  • Prescribed prescription eye wear
  • On call for emergency situations 24/hrs a day, 7 days a week
  • Surgical assistant
  • Preformed inner ocular and examinations to detect diseases
  • Made written referrals for patients to specialists when needed.
  • Provided post-operative examinations and provided instructions to patients regarding medication administration, wound care, activity restrictions.

Education

Mortgage Agent Level 1

REMIC
Toronto, ON
01-2023

Some College (No Degree) - Ophthalmology

Georgian College of Applied Arts And Technology
Barrie, Ontario

Skills

  • Risk assessment
  • Client management
  • Regulatory compliance
  • Financial analysis
  • Application review
  • CRM utilization
  • Relationship building
  • Communication skills
  • Time management
  • Attention to detail
  • Negotiation skills
  • Loan package management
  • Appraisal review
  • Multitasking
  • Referral generation
  • Portfolio management
  • Loan structuring
  • Complex Problem-solving
  • Market research
  • Closing process facilitation
  • Underwriting principles
  • Product education

Timeline

Mortgage Agent Level 1

DLC FC Funding
01.2023 - Current

Ophthalmology Technician

LASIK MD
04.2001 - 05.2007

Mortgage Agent Level 1

REMIC

Some College (No Degree) - Ophthalmology

Georgian College of Applied Arts And Technology
Angela AldersonMortgage Agent Level 1