Helen Zayya
Etobicok,ON
Summary
With a proven track record at BMO Bank of Montreal, I excel in residential mortgage lending and client needs analysis, ensuring over 90% customer satisfaction. My expertise in loan documentation and ability to foster long-lasting relationships have significantly contributed to business growth and streamlined loan processing efficiency.
Professional with solid background in mortgage services, well-versed in loan origination, underwriting processes, and regulatory compliance. Proven track record of driving successful outcomes through collaborative efforts and adaptability to changing market conditions. Strong skills in financial analysis, client relations, and risk assessment. Known for reliability and results-oriented approach.
Qualified LENDER with solid background in mortgage financing. Demonstrated success in processing loan applications and ensuring compliance with regulatory standards. Proven ability to assess client needs and deliver effective solutions.
Overview
5
5
years of professional experience
Work History
Mortgage Specialist
BMO Bank of Montreal
09.2023 - Current
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Processed loan applications and monitored progress from start to finish.
- Enhanced client trust in the organization through transparent communication and consistent delivery on commitments.
- Collaborated with real estate agents to establish referral networks, fostering mutually beneficial partnerships.
- Provided comprehensive financial guidance to clients, recommending suitable mortgage products based on their needs and goals.
- Monitored pipelines to track and log status of loans.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Assisted clients in navigating complex mortgage documentation, ensuring a smooth application experience from start to finish.
- Managed a diverse pipeline of mortgage applications, prioritizing tasks effectively to meet deadlines consistently.
- Successfully closed loans by conducting thorough risk assessments and ensuring compliance with applicable regulations.
- Worked with underwriters to fix application problems and resolve issues.
- Checked loan documents for accuracy prior to closing.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Developed and maintained relationships with customers, lenders and other third parties.
- Attracted new mortgage loan applications by developing relationships within community.
- Developed new business and increased sales through targeted market penetration, extensive training, business partnerships and customer relationships.
- Maintained up-to-date knowledge of industry trends, enabling informed decision-making and accurate advice for clients.
- Streamlined internal processes by implementing digital tools, enhancing overall efficiency within the department.
- Mitigated credit risk by conducting thorough due diligence checks on all applicants, safeguarding the organization''s interests.
- Explained legal aspects of loan to borrower, as well as payment terms and clauses.
- Maximized profitability for the organization with diligent portfolio management and strategic recommendations.
- Remained updated with latest information related to mortgage products and services being offered.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Negotiated loan terms and conditions with clients to maximize profitability.
Personal Banker
BMO Bank of Montreal
01.2020 - 09.2023
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
- Delivered comprehensive financial advice, strengthening client relationships and promoting long-term loyalty.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Collaborated with branch team members to achieve monthly sales targets and improve overall performance.
- Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
- Responded to customer inquiries regarding new accounts and account services.
- Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
- Supported managers in implementing operational improvements that increased efficiency across the branch network.
- Exceeded individual performance metrics consistently while maintaining exceptional levels of client satisfaction ratings throughout tenure as Personal Banker.
- Backed up teller team by handling needs of new and existing customers at main counter.
- Explained account terms and conditions to customers.
- Collected customer information and completed new account forms.
- Networked to increase client base and encourage existing clients to expand financial portfolios.
- Leveraged advanced knowledge of banking products/services to deliver custom presentations that effectively addressed unique client needs.
- Cross-sold bank products and services to meet customer needs and provide options.
- Verified customer identity and reviewed documentation for accuracy.
- Contributed to a positive work environment, fostering teamwork among colleagues to enhance productivity levels.
Education
Business Administration
Cdi College
Toronto, ON10-2015
Skills
- Loan servicing
- Client needs analysis
- Residential mortgage lending regulations
- Document review
- Employment verification
- Appraisal review
- Loan documentation
- Credit verification
Languages
English
Professional Working
Arabic
Full Professional
Timeline
Mortgage Specialist
BMO Bank of Montreal
09.2023 - Current
Personal Banker
BMO Bank of Montreal
01.2020 - 09.2023
Business Administration
Cdi College
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