Nana Ngobila
Hamilton,ON
Summary
Accomplished Mortgage Agent and Regional Credit Manager with a proven track record at Indi Mortgage and Auto Capital Canada. Expert in credit analysis and fostering strong client relationships, I've significantly enhanced loan approval rates and customer satisfaction. My leadership skills and problem-solving abilities have driven business growth and operational efficiency, showcasing a commitment to excellence and innovation.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Mortgage Agent
Indi Mortgage
03.2022 - 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.
- Streamlined mortgage application processes for faster turnaround times and higher customer satisfaction rates.
- Recommended tailored financing solutions based on individual client needs, resulting in higher customer satisfaction levels.
- Conducted post-closing follow-ups with clients to maintain relationships and encourage future referrals, contributing to long-term business growth.
- Implemented new CRM software to improve lead tracking and follow-up efforts, resulting in increased business opportunities.
- Collaborated with underwriters to expedite loan approval processes while maintaining compliance with lending guidelines.
- Increased loan application approvals by providing detailed and accurate financial assessments for clients.
- Participated in community events as a representative of the company, promoting brand awareness and generating leads within the local market area.
- Analyzed loan candidate credit history to anticipate approval odds.
- Analyzed applicants'' creditworthiness by reviewing financial statements and conducting background checks, ensuring informed lending decisions were made consistently.
- Provided underwriting expertise to support applicant approval.
- Maintained a high level of professionalism in all interactions, fostering trust and building long-term client relationships.
- Negotiated favorable mortgage terms with lenders, resulting in lower interest rates and fees for clients.
Regional Credit Manager
Auto Capital Canada
01.2017 - 08.2024
- Mentored junior team members in best practices for analyzing loan applications and making sound underwriting decisions.
- Developed comprehensive reporting tools to provide senior management with valuable insights into regional credit performance trends.
- Improved regional credit performance by developing and implementing effective credit management strategies.
- Negotiated favorable payment terms with high-risk clients, mitigating potential financial exposure.
- Assisted in the development of annual budgets by providing accurate forecasting of expected loan losses based on historical data analysis.
- Streamlined credit approval processes for faster decision-making and increased customer satisfaction.
- Strengthened internal controls by identifying areas of improvement within the existing risk management framework.
- Evaluated loan applications for risk factors, ensuring compliance with established underwriting guidelines and industry regulations.
- Collaborated with sales teams to balance risk and revenue growth, aligning credit policies with business objectives.
- Optimized cash flow by closely managing accounts receivable aging and promptly addressing overdue balances.
- Established strong relationships with key customers, fostering open communication on credit issues and concerns.
- Enhanced team productivity, providing ongoing training and guidance to credit analysts and support staff.
- Conducted detailed due diligence on prospective borrowers to maintain high-quality lending portfolio standards.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
Bilingual Transaction Manager
RBC
01.2014 - 01.2017
- Fostered culture of continuous improvement, leading to adoption of advanced technologies that enhanced transaction processing capabilities.
- Reviewed legal documents for accuracy and compliance, minimizing potential disputes or delays in closing transactions.
- Facilitated training sessions for new hires on transaction management best practices, enhancing team expertise.
- Negotiated favorable contract terms with vendors and partners, contributing to overall cost savings for the company.
- Managed complex transactions for high-profile clients, ensuring timely completion and client satisfaction.
- Developed new methods for tracking transaction progress, resulting in more accurate forecasting and improved resource allocation.
- Equipment Finance transactions with different types of leasing
- Oversaw a portfolio of multiple concurrent transactions, effectively balancing priorities and deadlines to complete all tasks on schedule.
- Resolved conflicts between parties involved in transactions through effective mediation and negotiation techniques, ensuring successful outcomes for all parties involved.
- Maintained a high level of expertise in relevant regulations surrounding transactions management by attending conferences and workshops regularly.
- Analyzed financial data to identify potential risks and opportunities, leading to better-informed decision-making by senior management.
- Led cross-functional teams to address and resolve transactional issues, resulting in increased client satisfaction.
- Coordinated with legal and compliance teams to ensure all transactions adhered to regulatory standards, maintaining company integrity.
- Implemented risk mitigation strategies during transaction negotiations, safeguarding company interests while promoting successful deal closures.
Bilingual Customer Experience Insurance
CUMIS
02.2009 - 11.2013
- Utilized telephone, online chat, and email platforms to deliver outstanding customer service.
- Trained new customer service agents on policies and procedures to support favorable customer experiences.
- Documented customer interactions in internal database to maintain customer service history details.
- Investigated customer complaints and escalated issues to address critical requests.
- Leveraged excellent listening skills to understand each customer''s unique situation, resulting in tailored recommendations that met their specific needs.
- Maintained key performance indicators and acceptable performance levels to support assigned customer base.
- Collaborated with internal team members to resolve customer concerns and deliver enhanced customer experiences.
- Efficiently processed returns and exchanges according to company policies while ensuring continued positive rapport with customers.
- Maintained detailed records of all interactions, ensuring accurate documentation for future reference or escalation purposes.
- Consistently met or exceeded team targets for customer satisfaction ratings and call handling times, contributing to the overall success of the department.
- Provided personalized support to customers, tailoring solutions according to their unique needs and preferences.
- Contributed to the development of departmental guidelines that led to an overall increase in team productivity levels.
- Developed strong relationships with clients, leading to increased loyalty and repeat business.
- Managed timely and effective replacement of damaged or missing products.
- Cross-trained and provided backup support for organizational leadership.
- Followed up with customers about resolved issues to maintain high standards of customer service.
Education
Mortgage License
Financial Services Regulatory Authority of Ontario
Toronto, ON05-2020
Diploma - Human Resources Management
Mowhak College
Hamilton, ON04-2017
Bachelor of Arts - Social Sciences
CEPROMAD University
Kinshasa.DRC07-1998
Skills
- Goal oriented
- Credit analysis
- Business development
- Lead generation
- Prospect management
- Mortgage underwriting
- Sales development
- Marketing expertise
- Financial analysis
- Regulatory compliance
- Team management
- Leadership skills
Languages
English
Native or Bilingual
French
Native or Bilingual
Certification
- Certified Mortgage Compliance Professional (CMCP) - Mortgage Bankers Association.
Registered Church Minister
I have a License to Counsel, educate and to bless weddings
Timeline
Mortgage Agent
Indi Mortgage
03.2022 - Current
Regional Credit Manager
Auto Capital Canada
01.2017 - 08.2024
Bilingual Transaction Manager
RBC
01.2014 - 01.2017
Bilingual Customer Experience Insurance
CUMIS
02.2009 - 11.2013
Mortgage License
Financial Services Regulatory Authority of Ontario
Diploma - Human Resources Management
Mowhak College
Bachelor of Arts - Social Sciences
CEPROMAD University
Similar Profiles
Liza PearsonLiza Pearson
Director, Payroll & Compliance/Bookkeeper at Indi MortgageDirector, Payroll & Compliance/Bookkeeper at Indi Mortgage
Riley ThompsonRiley Thompson
Salesperson at Indi CreativeSalesperson at Indi Creative
UTSAVI GADANIUTSAVI GADANI
Junior Designer /Architectural Drafter at Vijay Sahijwani & Associates, Inc, Ahmedabad, IndiJunior Designer /Architectural Drafter at Vijay Sahijwani & Associates, Inc, Ahmedabad, Indi