Patrick Tran
Toronto,Ontario
Summary
Detail-oriented professional skilled in compliance oversight and risk assessment. Demonstrated ability to educate clients on mortgage options while maintaining adherence to regulations, ensuring optimal outcomes in the mortgage approval process. Dynamic mortgage agent with extensive experience in customer relations and financial analysis. Expert in managing client communications and ensuring compliance, driving successful mortgage applications, and cultivating lasting relationships with clients and stakeholders.
Overview
13
13
years of professional experience
Work History
Mortgage agent Level 1
Dominion Lending Centres Estates Mortgages
05.2024 - Current
- Assessed client financial needs to recommend suitable mortgage products.
- Assisted clients in completing mortgage applications and gathering necessary documentation.
- Evaluated borrower creditworthiness and provided customized mortgage solutions.
- Managed client communications throughout the mortgage approval process effectively.
- Reviewed loan files for accuracy and compliance with lending regulations.
- Educated clients on mortgage products and industry trends during consultations.
- Coordinated with underwriters to expedite loan approvals and resolve issues.
- Monitored changes in relevant legislation that impact the mortgage industry.
- Negotiated with lenders to ensure competitive rates for clients.
- Coordinated activities between clients, lenders, lawyers, and other stakeholders involved in the process.
- Reviewed mortgage applications after approval to verify adherence to conditions.
- Advised borrowers on the best strategies for managing their debt obligations.
- Maintained customer records, ensuring accuracy and completeness of all data.
Manager Customer Experience
Td Canada Trust
08.2015 - 09.2021
- Updated team on daily operations, compliance policies, and procedures to ensure goal alignment.
- Conducted monthly coaching sessions and weekly briefings with CSR for performance enhancement.
- Reviewed and approved credit deals, ensuring all documentation met compliance standards.
- Collaborated with partners to deliver optimal banking solutions tailored to customer needs.
- Oversaw mutual funds review and approval process to maintain compliance with regulations.
- Generated over $2M in business referrals for sales team during Q4 2020.
- Facilitated more than $2 million in new referrals to private bankers in fourth quarter of 2020.
- Initiated food drive benefiting local community to promote social responsibility.
Financial Services
Td Canada Trust
10.2012 - 08.2015
- Achieved over 100% pacing in mortgages and investments.
- Ranked as top performer in TD mutual funds with over $1M in sales.
- Attained 100% in Operational Excellence metrics.
- Delivered 100% in mortgage credit protection initiatives.
- Provided investment advice, establishing and managing diverse investment portfolios.
- Cultivated relationships with new and existing customers to enhance service delivery.
- Generated revenue opportunities and referrals for partners.
- Analyzed customer financial situations to offer tailored product recommendations.
Education
Residential Mortgage Underwriting In Canada
Remic
11-2025
Mortgage Agent Level 1
Remic
05-2024
Branch Compliance Officer
Canadian Securities Institute
11-2010
Personal Financial Planning 1 ( PFP1 )
Canadian Securities Institute
09-2010
Personal Financial Services Advice ( PFSA )
Canadian Securities Institute
09-2009
Investment Funds In Canada ( IFIC )
Canadian Securities Institute
06-2007
Skills
- Team management
- Compliance oversight
- Customer relationship management
- Credit risk analysis
- Investment advisory services
- Mortgage underwriting expertise
- Financial analysis skills
- Regulatory compliance knowledge
- Effective communication skills
- Problem resolution strategies
References
Reference available upon request
Timeline
Mortgage agent Level 1
Dominion Lending Centres Estates Mortgages
05.2024 - Current
Manager Customer Experience
Td Canada Trust
08.2015 - 09.2021
Financial Services
Td Canada Trust
10.2012 - 08.2015
Residential Mortgage Underwriting In Canada
Remic
Mortgage Agent Level 1
Remic
Branch Compliance Officer
Canadian Securities Institute
Personal Financial Planning 1 ( PFP1 )
Canadian Securities Institute
Personal Financial Services Advice ( PFSA )
Canadian Securities Institute
Investment Funds In Canada ( IFIC )
Canadian Securities Institute