Summary
Overview
Skills
Work History
Education
Timeline
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Nina Labate

Mississauga,Canada

Summary

Highly-regarded mortgage industry go-getter and 2-time award-winner offering a 20-year history of driving long-term gains in business performance, revenues, market share, and bottom-line profits through consistent transaction optimization. Thorough knowledge of prime lending (insurers guidelines), sub-prime mortgages for alternative lending, securitization, commercial lending, and construction financing. Parlay a finely-honed analytical mindset and an extensive risk management background to examine credit and property risks for both individuals and companies, and make prudent judgement calls in effecting the right decisions. Skilled in partnering with mortgage brokers to help them successfully grow their revenues by capitalizing on each broker’s unique business-building talents. Expert in leading and coaching staff on sales techniques by instilling in them the confidence to deliver performance beyond expectations. A compelling presenter and public speaker who easily gains consensus amongst mortgage brokers and other colleagues while educating them on the finer points of the mortgage industry. An effective and energetic communicator who builds long-lasting rapport with team members, clients, and stakeholders. Advanced user of MS Office (Excel, Word, PowerPoint, Outlook). Possess above-average conversational ability in Italian. Thrive on challenge, hard work, and persistence - always in the spirit of retaining valued clients and increasing the bottom line.

Overview

25
25
years of professional experience

Skills

  • Management Leadership
  • Mortgage Application Assessments
  • Internal & External Audit Reviews
  • Internal Quality Assurance Reviewing & Monitoring
  • Policy / Guideline Development & Revisions
  • Short- & Long-Term Goal Planning
  • Rate & Term Negotiations
  • Staff Hiring, Training, Performance Management, & Compensation
  • Due Diligence
  • Industry & Regulatory Compliance
  • Lending Policy Creation & Roll-Out
  • Prospect Sourcing / Identification / Solicitation & Lead Generation
  • Niche Marketing & Market Strategy Creation & Proposal
  • Officer & Broker Training
  • Credit Worthiness & Risk Assessment
  • New Product Launch & Positioning
  • Funding Report Review & Management

Work History

Principal Chief Operating Officer

Infinite Capital Inc.
07.2019 - 03.2025
  • Developed and implemented operational strategies to enhance efficiency across multiple departments.
  • Streamlined processes through data-driven decision-making, improving overall organizational performance.
  • Led cross-functional teams in executing strategic initiatives aligned with company goals.
  • Mentored senior leadership on best practices for operational excellence and continuous improvement.
  • Developed and implemented process improvement plans to streamline workflows and reduce costs.

Managing Director - Residential Mortgage Operations

Firm Capital Corporation, Toronto
01.2013 - 07.2018
  • Hand-selected by Company's Owner for this newly-created role to capitalize on growing a newly-discovered residential market niche through broker channels. Supervise 2 direct reports.
  • Steered an extra $50 million in revenue gains in Year 1 (40% more than target) to represent approximately 7% of Company's entire sales activity.
  • Drastically cut approval process turnaround times from 2-3 days to only 24 hours.
  • Instituted the mortgage underwriting process - complete with a range of checklists - to bring structure and order to a myriad of tasks.
  • Originated webinar instruction so that as many as 60 brokers could receive personalized and up-to-date product information in an ever-changing industry.
  • Bestowed the "Canadian Institute of Leadership & Development" award in 2014 recognizing genuine industry leadership talents.

Vice President, Sales, Street Option

Street Capital Financial Corporation, Toronto
01.2012 - 10.2012
  • Recruited to launch their Non-Conforming Lending Division, bring on board key brokers and brokerages, and expand existing relationships. Trained a 6-person team on the intricacies of non-conforming lending.
  • Rolled out fresh marketing strategies; also created all marketing material, presentations, and webinars to vault sales 27% in British Columbia, New Brunswick, Nova Scotia, and Prince Edward Island - all in just 6 months.
  • Set up entire lending matrix and manual so that the Sales Team gained a heightened understanding of credit risk.
  • Teamed up with Credit Manager to guarantee that investors and stakeholders thoroughly understood the concepts of risk comfort levels vs. market demands and competitors mandate.

Senior Business Development Manager

The Home Trust Company, Toronto
01.2011 - 01.2012
  • Approached by V.P. of Sales to serve as vital liaison between underwriters and brokers in elevating the respect and value that each party offered.

Regional Business Development Manager

The Equitable Trust, Toronto
01.2006 - 01.2011
  • Originally hired as a Senior Mortgage Underwriter and promoted just 1 year later to turn around dormant activity in an otherwise ripe-with-potential Toronto West (Peel & Halton regions) territory.
  • Dramatically exceeded challenging quotas by 167% despite highly volatile market activity.
  • Totally revamped antiquated database - and subsequently grew it to 3,500 prospects - to more easily hone in on key prospective agents with strong revenue-generating potential.
  • Became Company's first Underwriter to be granted a lending limit - something typically reserved for management and senior executives only.
  • Conferred by peers the CMP award in 2011 citing best Lender Business Development Manager.
  • Personal sabbatical

Product Manager - BFS (Business For Self)

Xceed Mortgage Corporation, Toronto
01.2004 - 01.2005
  • Recruited to create and launch a mortgage product ("XBiz") aimed at self-employed business owners. Also wrote the lending policies while staying within the realms of Company's residential underwriting guidelines.
  • Played a major role in steering up to 35% in additional revenues through the BFS model.
  • Authored a training manual and conducted training seminars for Mortgage Officers and Underwriters to better prepare them for this new product launch.
  • Took on the extra Senior Underwriter role to assist designated staff in processing higher-than-average volumes of work.
  • Chosen by Marketing Director to pen a monthly column for Company's newsletter (with an email circulation of 6,000) to better educate mortgage brokers on how to finance a self-employed applicant.
  • Earlier Roles

Account Manager - Real Estate Financing

Laurentian Bank of Canada - Adelaide/York, Toronto
01.2000 - 01.2003
  • Part of a 3-person team that generated over $100 million in new construction business each year for 3 years in a row.
  • Established and rolled out a sales/territory plan for prospects and referral business opportunities by identifying, cultivating, and maintaining relationships with external mortgage brokers.
  • Inaugurated a successful and profitable processing system for residential loan renewal, which lowered processing times 40% while exceeding Bank's targeted ROE.
  • Structured and delegated the execution of about $25 million in mortgage renewals and credit modifications.

Education

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CAAMP

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Seneca College - Newnham Campus, Toronto
Toronto

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Sheridan College, Brampton
Brampton

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University of Toronto
Toronto

Work Type

Full Time

Work Location

On-SiteRemoteHybrid

Timeline

Principal Chief Operating Officer

Infinite Capital Inc.
07.2019 - 03.2025

Managing Director - Residential Mortgage Operations

Firm Capital Corporation, Toronto
01.2013 - 07.2018

Vice President, Sales, Street Option

Street Capital Financial Corporation, Toronto
01.2012 - 10.2012

Senior Business Development Manager

The Home Trust Company, Toronto
01.2011 - 01.2012

Regional Business Development Manager

The Equitable Trust, Toronto
01.2006 - 01.2011

Product Manager - BFS (Business For Self)

Xceed Mortgage Corporation, Toronto
01.2004 - 01.2005

Account Manager - Real Estate Financing

Laurentian Bank of Canada - Adelaide/York, Toronto
01.2000 - 01.2003

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CAAMP

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Seneca College - Newnham Campus, Toronto

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Sheridan College, Brampton

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University of Toronto
Nina Labate