Summary
Overview
Work History
Education
Skills
Timeline
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Linda McCallum

Calgary

Summary


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.

Overview

18
18
years of professional experience

Work History

Mortgage Associate

Breezeful
06.2024 - Current
  • Managed loan pipelines efficiently, promptly addressing any issues or concerns that arose during the mortgage process.
  • Assisted clients in improving their credit scores and overall financial standing, increasing their chances of loan approval and favorable terms.
  • Collaborated with different lenders to find best possible deal for homebuyers.
  • Explained entire mortgage loan process to borrower.
  • Assessed clients' financial data to determine loan suitability.
  • Implemented efficient documentation practices that expedited processing times while ensuring compliance with industry regulations.
  • Conducted comprehensive financial assessments to determine borrower eligibility for various loan programs, optimizing client outcomes.
  • Ensured exceptional customer service by maintaining consistent communication throughout the entire loan origination process.

Property Manager (self-employed)

Self-employeed
08.2018 - 05.2023
  • Handle booking vacation property according to the client’s req
  • Maintained positive landlord-tenant relationships, ensuring clear communication and prompt resolution of any disputes.
  • Conducted regular property inspections, identifying areas for improvement and proactively addressing potential safety hazards.
  • Proper handling of payments and documentation required by clients
  • Handled tenant complaints promptly and appropriately, calling in repairmen, and other support services.

Plan Break

Raise Family
08.2016 - 08.2018

Mortgage Officer

Equitable Bank
03.2013 - 06.2016
  • Manages, compiles, and organizes mortgage application information for mortgage loans in accordance with policy to create and complete package
  • Evaluates and analyses documentation supplied by client and broker to ensure Anti-Money Laundering and Know-Your-Client legislation have been complied with and meets Equitable Bank’s guidelines and policies
  • Streamlined mortgage application process by implementing efficient document management systems.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Checked loan documents for accuracy prior to closing.
  • Processed loan applications and monitored progress from start to finish.

Financial Services Representative

CIBC
08.2010 - 03.2013
  • Perform various duties such as payment handing, bank deposits, general correspondence, and filing
  • Maintained up-to-date knowledge of industry regulations, trends, and best practices to provide informed advice to clients.
  • Assessed credit applications accurately by analyzing applicants'' financial history, income stability, and repayment capability.
  • Assisted clients in navigating complex financial situations, offering solutions that met their unique needs.
  • Identified opportunities to cross-sell products, resulting in increased revenue for the bank.
  • Conducted regular reviews of client portfolios to ensure alignment with risk tolerance and investment objectives.
  • Provided excellent customer service, resolving issues quickly and maintaining long-term client relationships.
  • Reviewed and updated client investment strategies annually, ensuring alignment with changing financial landscapes.

Loans Specialist/Processor

Wells Fargo Financial
02.2007 - 06.2010
  • Perform financial assessments, provides loans, mortgages, and other market supplementary services
  • Obtain reports and prepare loan and mortgage registrations, and complete loan and mortgage files
  • Develops new business thru contacting previous or existing customers in person, by phone or mail
  • Analyze and process credit applications
  • Assist with branch administration such as performing account adjustments, payment, closures, and inquiries
  • As well as performs various duties such as payment handling/posting, bank deposits, general correspondence, and filing

Education

Investment Funds Institute of Canada
06-2010

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CAPPA Level5 Certified

Real Estate

Real Estate Council Alberta
Calgary, AB
01-2025

Skills

  • Loan servicing
  • Residential mortgage lending regulations
  • Client needs analysis
  • Employment verification
  • Credit analysis
  • Document review
  • Anti-Money Laundering Compliance
  • Loan origination
  • Financial analysis
  • Mortgage underwriting
  • Real estate
  • Loan commitments

Timeline

Mortgage Associate

Breezeful
06.2024 - Current

Property Manager (self-employed)

Self-employeed
08.2018 - 05.2023

Plan Break

Raise Family
08.2016 - 08.2018

Mortgage Officer

Equitable Bank
03.2013 - 06.2016

Financial Services Representative

CIBC
08.2010 - 03.2013

Loans Specialist/Processor

Wells Fargo Financial
02.2007 - 06.2010

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CAPPA Level5 Certified

Investment Funds Institute of Canada

Real Estate

Real Estate Council Alberta

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Linda McCallum