Michael Oryschak
1 Mulberry Lane, Niagara-on-the-Lake,ON
Summary
To obtain a career fully that utilizes my extensive business to consumer sales background
Overview
21
21
years of professional experience
Work History
Mortgage Specialist
Bank of Montreal Specialized Sales Group
01.2023 - 07.2023
- Generate, track and strengthen lead stream via realtor partners and internal branch network
- Conduct mortgage sales presentations detailing all mortgage products and insurance options are explained with accuracy
- Take applications to determine credit worthiness of clients through accurate assessment of their credit history, income documentation, net worth and property value
- Achieve 20% market growth by expanding realtor lead stream, keeping them informed of existing products, rates and incentives
- Support realtor partnerships in achieving their sales targets and commitments to BMO via daily phone, in person and virtual market calls
Business & Finance Manager
Roseland Volkswagon
03.2021 - 01.2023
- Analyze applicants Equifax and Trans Union credit profiles
- Determine clients credit worthiness & adjudicate lender specific requirements Drive sales on all available VWPP ancillary credit products and options Conduct business that is compliant with VW lending & underwriting policies Train sales team on all credit and ancillary products and incentives
- Increased dealerships F&I growth by 55% from previous fiscal year
- Gather all required lender specific documents from client to complete the approval process
Finance Manager
Foster Automotive Group
03.2019 - 03.2021
- Meet with clients and take credit application to determine affordability and credit worthiness for their new automotive purchase
- Analyze clients credit profiles on Equifax and Trans Union to determine next best steps to meet clients needs
- Determine and recommend the best lender, product, rate, payment, ancillary and insurance products to meet all of the clients needs
- Using a know your customer sales approach achieved 80% closing ratio with a average gross profit of $2600 per deal
Project & Logistics Manager
Alexandertencate Design Build
01.2017 - 03.2019
- Provide quotes and estimations on all new design projects
- Drive new business through web & client referrals and
- Responsible for all site visits by trades and clients
- Track all costs on current projects to ensure budgets are met including product procurement
- Responsible for scheduling projects and company labour
Home Comfort Advisor
Reliance Home Comfort
04.2013 - 01.2017
- Credit and Sales
- Managed B2C Credit lending process from application to adjudication
- Develop self-generated clients though tele sales
- Grew book of business by 20% year over year
- Conduct engineering analysis of residential properties
- Branch leader in National Customer Survey scores
- Grew water heater portfolio by 30% year over year growth in service tech based installs in 2017
Assistant Branch Manager/ Mortgage Specialist
HSBC Finance
10.2008 - 03.2013
- Top 10 Regional Performer for Mortgage Sales
- Top 10 performer for mortgage and loan insurance sales Lead district wide loss mitigation strategies for branch network
- Successfully develop new originations through outbound sales calls
- Cross sell mortgage/loan insurance
- Manage risk through credit analysis and underwriting of new loans
- Ensure cash controls are maintained daily
- Adhere to HSBC compliance standards through file auditing
Dealer Relations Rep/ Sub prime
Wells Fargo Auto Finance
08.2007 - 10.2008
- Auto Finance
- Underwrite new automotive loan originations
- Build and maintain relationships within our existing dealer network Asses risk and negotiate sales of new automotive loans to dealer network
- Implement profitable growth strategies
- Develop new business to business sales strategies to assigned territory
Assistant Branch Manager/Mortgage and Loan Specialist
Wells Fargo Financial
11.2002 - 08.2007
- Top performer mortgage and loan sales
- Top performer mortgage and loan insurance sales
- Underwrite non prime loans, loc, heloc and mortgages
- Support branch manager in developing new growth initiatives Ensure all branch controls are maintained
- Cross sell mortgage/loan insurance and other ancillary products
Education
Criminal Justice Studies
Sheridan College
2003
Graduate -
Lorne Park Secondary School
Mississauga, ON1993
Skills
- Customer Experience
- Loan Processing
- Oral and Written Comprehension
- Customer Interaction
- Financial Service Solutions
- Invoice Preparation
- Microsoft Office
- Analytical and Critical Thinking
Member of Team Canada Sprint Canoe
Gold Medalist Pan American Games C2 500m
3x World Jr Champion C2 1000m C4 1000m
30x Canadian Champion Sprint Canoe
10x World Dragonboat Champion
Timeline
Mortgage Specialist
Bank of Montreal Specialized Sales Group
01.2023 - 07.2023
Business & Finance Manager
Roseland Volkswagon
03.2021 - 01.2023
Finance Manager
Foster Automotive Group
03.2019 - 03.2021
Project & Logistics Manager
Alexandertencate Design Build
01.2017 - 03.2019
Home Comfort Advisor
Reliance Home Comfort
04.2013 - 01.2017
Assistant Branch Manager/ Mortgage Specialist
HSBC Finance
10.2008 - 03.2013
Dealer Relations Rep/ Sub prime
Wells Fargo Auto Finance
08.2007 - 10.2008
Assistant Branch Manager/Mortgage and Loan Specialist
Wells Fargo Financial
11.2002 - 08.2007
Criminal Justice Studies
Sheridan College
Graduate -
Lorne Park Secondary School
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