Angela Bianca
Brampton,ON
Summary
Licensed Mortgage Agent 2 and Accredited Mortgage Professional (AMP) Designation), with prior work experience in Mortgage Underwriting. Possesses deep understanding of credit analysis, loan origination and closing. Extensive real estate knowledge and proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Experienced with assessing loan applications and ensuring compliance with financial regulations. Utilizes analytical skills to evaluate borrower creditworthiness and financial documents. Knowledge of industry standards and keen attention to detail in mitigating risk and approving loans.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Mortgage Agent
8 Twelve Mortgage Corp.
12.2024 - Current
- Consistently met or exceeded sales targets through proactive client outreach and exceptional customer service.
- Provided thorough explanations of various mortgage products to clients, assisting them in selecting the best option for their needs.
- Maintained a high level of professionalism in all interactions, fostering trust and building long-term client relationships.
- Streamlined mortgage application processes for faster turnaround times and higher customer satisfaction rates.
- Assisted clients throughout the entire mortgage process, from initial consultation to closing day support.
- Collaborated with underwriters to expedite loan approval processes while maintaining compliance with lending guidelines.
- Developed strong relationships with real estate agents, builders, and other industry professionals to grow referral network.
- Provided underwriting expertise to support applicant approval.
Mortgage Agent
Mortgage Alliance of Canada
05.2022 - 07.2024
- Conducted post-closing follow-ups with clients to maintain relationships and encourage future referrals, contributing to long-term business growth.
- Prepared comprehensive loan packages for submission to lenders, ensuring completeness and accuracy of documentation.
- Analyzed loan candidate credit history to anticipate approval odds.
- Provided thorough explanations of various mortgage products to clients, assisting them in selecting the best option for their needs.
- Developed strong relationships with real estate agents, builders, and other industry professionals to grow referral network.
- Assisted clients throughout the entire mortgage process, from initial consultation to closing day support.
- Maintained a high level of professionalism in all interactions, fostering trust and building long-term client relationships.
- Provided underwriting expertise to support applicant approval.
Mortgage Loan Underwriter
Team 2000 Realty Company
01.2015 - 12.2020
- Initiate and assist in evaluating new mortgage lending opportunities
- Maintained compliance with regulatory standards and guidelines, mitigating potential risks to the organization.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Complete and assess mortgage applications, perform credit checks, searches, and other related underwriting requirements
- Perform due diligence on all underwriting-related documentation
- Prepare Signature and Compliance packages
- Stay up to date with the processing requirements and ensure loan submission follows the required steps and processes
- Correspond with clients' lawyers and appraisers to ensure efficient workflow to coincide with closing dates
Associate Mortgage Underwriter
First National Financial
02.2011 - 12.2014
- Manage files from the time they are committed by the underwriter until all the broker's conditions are met on the commitment
- Contact the broker via fax/email/phone requesting a solicitor for the file and funding conditions sheet outlining the outstanding conditions on the file
- Review all documentation sent from the broker to meet conditions found on the commitment
- Organize all incoming faxes from broker and solicitor
- Verify all employment letters verbally and satisfy income verification and satisfy down payment verification
- Review and satisfy signed commitment, statement of mortgage and mortgage application
- Respond to all broker queries and requests and return calls and emails in a timely manner
- Establishes and maintains positive relationships with mortgage brokers to build loyalty to the Company
- Maintains positive relationships with external partners such as mortgage insurers, appraisers, title insurance companies, and solicitors
- Interacts with mortgage brokers for the collection of all required documents to satisfy mortgage commitment conditions
- Reviews and verifies accuracy of required documentation related to income, down payment and the property using sound due diligence and in compliance with internal and regulatory guidelines prior to signing off on any mortgage conditions or documents, where applicable
- Escalates any documentation issues to the Underwriter for review and sign off
- Documents clear and complete notes within the mortgage underwriting system
- Responds to all inquiries within established turnaround times
- Adhere to policies/procedures to ensure AML requirements are met.
Real Estate - Administrative Assistant
Team 2000 Realty Co.
02.2005 - 11.2010
- Front Desk Support: Served as the primary point of contact between the office and internal/external stakeholders, ensuring clear and efficient communication; answer telephones, confirm appointments, greet clients/walk-ins and input messages using Broker Bay (internal paging system.) The position also includes managing calendars, scheduling meetings, and handling correspondence.
- Managed a high volume of incoming calls, emails, and walk-in inquiries with professionalism and prompt attention, ensuring no opportunities were missed.
- Real Estate Administration:
- Broker load - input MLS listings, upload photos, scan documents, process new listing documents (price changes, extensions), etc., and enter listing information and appointment instructions into Broker Bay.
- Offers – prepare offers, amendments, waivers and other related forms/ documents
- Agent activities – booking of open houses, preparation of feature sheets, photocopying and filing of all listings & legal documents
- Maintained an accessible and comprehensive database of property listings, client contacts, and transaction records for easy retrieval and reference by team members.
- Reporting - Preparing weekly and month end reports
- Relationship Management: Build and maintain relationships with internal and external stakeholders and clients. Help organize corporate events and functions.
- Confidentiality: Handle sensitive information with the utmost discretion and maintain the highest level of confidentiality. Ensure data privacy and security in all communications and documentation.
- Office Maintenance: Manage/order supplies, equipment, and facilities as needed.
Education
Accredited Mortgage Professional (AMPC) - Underwriting
Mortgage Professionals of Canada
Toronto, ON03-2025
Mortgage Agent License Level 1 & 2 - Mortgage Agent
Canadian Mortgage Association
Toronto, ON10-2021
BBA - Management & Finance
University of Toronto
Toronto, ON05-2010
Skills
- Sound thinker with the ability to multi-task; ability to handle multiple competing priorities
- Analytical, detail-oriented, and has the ability to see beyond the numbers to identify solid lending opportunities
- Established and meticulous organizational skills
- Excellent time management, analytical and problem solving skills
- Ability to make complex decisions under pressure
- Proven ability to thrive in a constantly changing environment and to perform well in a high volume, high intensity environment
- Highly developed verbal and written communication skills with the ability to respond in a clear, concise and professional manner
- Committed to providing superb customer service
- Detailed knowledge of mortgage funding and quality assurance processes
- Mindful awareness of fraud risk in the mortgage industry and the ability to address concerns relating to suspected misrepresentation when required
- Knowledge of Mortgage software, eg Finastra Mortgage Origination System, Lendesk Enterprise LOS
- Ability to manage multiple applications at a time
- Time management skills to complete tasks promptly
- Attention to detail ensuring that they attend to all elements of the application process
- Ability to assess a client’s credit and to analyze financial data, including tax returns and other financial documents
- Sound understanding of Mortgage related regulatory requirements (OSFII B20, AML/ATF), and Mortgage Insurer requirements (CMHC, Sagen, Canada Guaranty)
- PC skills including Microsoft Outlook, Word, Excel, Power Point, related applications
Languages
English
Native or Bilingual
Certification
- Mortgage Agent 2
FSRA License #22002246
- Accredited Mortgage Professional in Canada (AMPC)
Timeline
Mortgage Agent
8 Twelve Mortgage Corp.
12.2024 - Current
Mortgage Agent
Mortgage Alliance of Canada
05.2022 - 07.2024
Mortgage Loan Underwriter
Team 2000 Realty Company
01.2015 - 12.2020
Associate Mortgage Underwriter
First National Financial
02.2011 - 12.2014
Real Estate - Administrative Assistant
Team 2000 Realty Co.
02.2005 - 11.2010
Accredited Mortgage Professional (AMPC) - Underwriting
Mortgage Professionals of Canada
Mortgage Agent License Level 1 & 2 - Mortgage Agent
Canadian Mortgage Association
BBA - Management & Finance
University of Toronto
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