Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
11
11
years of professional experience
Work History
Corporate and Commercial Lending Law Clerk
TSC Law Professional Corporation
01.2021 - Current
Working on Commercial Lending (mortgage and Refinancing), Purchase, Borrowing and Sale transactions;
Representing lenders: BMO, BNS, BDC, RBC, TD, Roynat, Tandia Credit Union and Meridian Credit Union, on Commercial Lending transactions;
Reviewing Letter of Agreements, Instructions from Lender, Agreement of Purchase and Sale, Share Purchase Agreements, Trust Agreements, General Partnership Agreements, Limited Partnership Agreements, Fuel Supply Agreements, Non-Disturbance Agreements, Assignment Agreements, Builder deal memorandums and information packages;
Contacting Clients, Realtors, Lenders, Account Managers, Government Authorities, Municipal Offices as needed;
Conducting Title Searches, PIN Maps, Adjacent Land Searches, Instruments and Writ Searches through unity and Teraview;
Drafting Authorization from the vendors for off-title searches;
Requesting off-title searches in accordance with the transaction type such as: Tax Certificates, Utility Arrear Certificates, Unregistered Easement Searches from Alectra, Hydro One and Municipalities, Compliance Letter (building and zoning property information reports), Fire File Search, TSSA search, Environmental Search and Conservation Searches;
Conducting Corporate Searches through Ecore and directly through the ministry sites such as: Corporate Profile Report, Certificate of Status, Compliance certificate (federal corps), PPSA searches, Bankruptcy Searches, Bank Act and Litigation Searches;
Drafting PPSA Search Summaries;
Drafting Closing Agendas (checklists) for closing;
Anticipate potential issues and bring to the attention of supervising lawyers;
Drafting Requisition for the purchase transaction and commercial lending transactions to Opposing solicitors;
Drafting security documents for commercial lending transactions, such as Charge, NOAR, Postponements of leases and prior permitted charges, GSA, Guarantees, Assignments of Keyman’s life Insurance forms, Postponements and Assignment of Creditor claims, Priority Agreements, Acknowledgement and Directions, Resolutions of Directors, Officers’ Certificates, Opposing Solicitors’ Opinions, undertaking to discharge, wrap around undertakings of Borrowers’ Solicitors;
Drafting PPSA Financing Statement on Ecore re: GSA, AOR, Postponement and Subordination, Renewals, Amendments and Discharges;
Requesting and negotiating title insurance policies for purchase and lending transactions;
Drafting Opinions for Lending Transactions;
Preparing trust ledger, account statement and creating cheques as required via PC law;
Conducting constructions lien searches, writs and PPSA search for construction Draws;
Drafting Statement of Adjustments, Drafting Transfers in Teraview, Responding to Requisitions, Vendor Documents, Requesting Discharge Statements in sale transaction;
Reporting to Banks, Clients, Tax Offices, Condo Corporation and Realty Offices on closing;
Drafting Application Generals for Discharge, Deletion of Expired By-laws, Construction Liens and drafting Easements;
Drafting documents for occupancy closings according to builder’s lawyer’s instructions;
Preparing statutory declarations and affidavits for banks or for notarizations;
Preparing Minute books and drafting resolutions, bylaws, registers and share certificates;
I have some experience with corporate law as well limited to drafting basic share purchase agreements, re-organization of the corporate structures and Assets purchases;
I am Proficient in Unity, Teraview, Teranet, PC Law, Onland, Ecore, Econvey, ProSuite, DocuSign, Fast Company, Prolaw, Net Documents, Quick Books, Leap, Stewart Assyst, LLC, FCT, Treefort, FCT Search Assist
Residential Purchase, Refinance and Sale closings;
Secure lending transaction with Bank of Montreal and Private lenders;
Reviewing the commitment letters signed by borrowers with the lenders;
Conducting Corporate Searches on BC Registry, Personal Property Searches, Bankruptcy Searches and Bank Act searches;
Review Good Standings and Annual Reports of the borrowing and guaranteeing corporation;
Reviewing corporation security registers and minute book documents to draft and perfect security documents for the security of the lender accordingly;
Title Searching: Searching title, analyzing and reviewing municipal encumbrances, liens, Certificate of pending litigation, notations, financial charges, title deficiencies and preparing title summaries;
Requesting off-title searches from city offices and reviewing the tax certificate, comfort letters, fire reports, Strata documents, building and zoning reports received from appropriate authorities;
Anticipating potential problem and issues and bring to the attention of supervising lawyer;
Requisitioning found deficiencies in title and reports to seller's solicitors;
Reviewing executed security documents including Tax Certificates, Title Insurance, Property and general liability Insurance;
Perfecting the security by registering in Land Title Office and Personal Property Registries;
Communicate with clients, counsel, financial institutions, title insurance companies, land registry offices to close the transaction securely, safely and smoothly;
Legal Assistant and Conveyancer
Harinder Dail Notary Public
01.2014 - 12.2020
Handling Phone Calls;
Greeting clients and answering questions accordingly;
Preparing Power of Attorneys, Sponsorship letters, Indian Power of Attorneys with documents to Attorney General's office and Indian Consulate's Office, Affidavits, Statutory Declarations, Translations of Punjabi, Hindi Birth and Death Certificates to English;
Communicate with clients, realtors, banks and all other parties to complete the real-estate transactions;
I have 6 years of experience in residential real estate files;
I manage high volume of real estate files from start to finish with minimal/ no supervision;
Review Contract of Purchase and sale, order Title Searches, Tax Search, Utility Searches, Strata Forms, Strata Information, Preparing Statement of Adjustments for seller and buyer, preparing undertaking letters, engagement letters, requesting funds; preparing and submitting for registrations, preparing trust Reconciliations, creating cheques and reporting all parties;
Final reports to clients and mortgage lenders;
Worked with all banks, third party lenders and private lenders to prepare mortgages and interpret mortgage instructions;
I have strong organizational skills with excellent attention to detail, and time management skills
Education
Mortgage Agent Course -
REMIC-Real Estate And Mortgage Institute of Canada
REMIC-Real Estate And Mortgage Institute of Canada
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