Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Certification
Timeline
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PETER GIRAUDEL

Ajax,ON

Summary

Experienced mortgage professional with in-depth knowledge of the residential mortgage industry. Originations, Sales, Retention and Audit/Compliance. Supported monthly and quarterly audits and served as a liaison between lenders and default insurers, including CMHC, Sagen, and Canada Guarantee. Adept at navigating complex mortgage processes and achieving client goals. Highly reliable team player, known for adaptability and strong communication skills.

Overview

26
26
years of professional experience
1
1
Certification

Work History

Mortgage Agent Lvl 2.

MortgagePal
01.2021 - 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.
  • Assisted clients throughout the entire mortgage process, from initial consultation to closing day support.
  • Conducted post-closing follow-ups with clients to maintain relationships and encourage future referrals, contributing to long-term business growth.
  • Collaborated with underwriters to expedite loan approval processes while maintaining compliance with lending guidelines.
  • Implemented new CRM software to improve lead tracking and follow-up efforts, resulting in increased business opportunities.
  • Prepared comprehensive loan packages for submission to lenders, ensuring completeness and accuracy of documentation.
  • Trained and mentored loan officers in policies, regulations, and loan industry best practices.
  • Stayed up-to-date on current mortgage trends and regulations, ensuring compliant and knowledgeable service delivery.
  • 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.
  • 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.

Underwriting Manager

Marathon Mortgage Corp.
02.2018 - 01.2021
  • Successfully achieved 100% compliance in audits, crucial for maintaining Lending Status and Bulk Securitization with the investor.
  • Managed a team of 7 Underwriters and 4 Fulfillment Specialists.
  • Developed and continuously enhanced internal software aligned with AML, default insurance, and internal policies to enable highly efficient and accurate underwriting.
  • Determined level of acceptable risk by reviewing applications for coverage and loss control reports. Met business growth goals through collaboration with internal stakeholders and departments.
  • Inspected financial statements, credit and title data to complete the underwriting process. Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.
  • Negotiated coverage, policy pricing and service delivery during meetings with customers, agents or brokers.
  • Maintained compliance with regulatory requirements by staying updated on industry changes and adjusting policies accordingly.

Sr. Residential Underwriter

Marathon Mortgage Corp.
05.2015 - 01.2021
  • Achieving 100% of weekly adjudication target (30).
  • Evaluating and mitigating overall and risk for each Residential Mortgage Submission.
  • Review, adjudicate and provide recommendations to the Mortgage Application while keeping an open line of communication and establishing relationships with our Broker Partners throughout the originating process.
  • Constantly providing recommendations and feed back, on current process and procedures to IT and the Management Team, to improve productivity and efficiency.
  • Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
  • Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.

Sr. Mortgage Specialist

Firstline Mortgages
08.2007 - 05.2015
  • Managing a Mortgage Portfolio, consisting of 30-60 active deals which equate to approximately 5-7 million in Monthly Sales Volume.
  • Assisting the Management Team in weekly meetings to determine and implement new and best practices.
  • Training and mentoring and providing assistance to New Hires.
  • Servicing existing Mortgage Clients, while retaining and increasing the existing mortgage portfolio through Purchases, Refinances, Ports, Title Transfers, Assumptions, Conversions and Renewals.
  • Analyzing and probing the client's current mortgage position while identifying methods and strategies to improve the client's current mortgage position.
  • Pre-Underwriting the Mortgage/Credit Application to determine the likelihood of approval and/or recommendation prior to submission.
  • Ensuring a positive customer experience with each and every client interaction.

Personal Banker

CIBC
04.2005 - 04.2007
  • Actively promoting a variety of banking products including Personal Bank Accounts, GICs, Mutual Funds and Personal Lending products including Credit Cards, Lines of Credits & Mortgages.
  • Additional duties included opening and closing branch, balancing tellers and ATM Machines, acted as Officer in Command in the absence of Branch Manager.
  • Pro-actively establish, develop and maintain strong client relationships through regular contact and through providing timely, value-added information, advice and recommendations.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.

Personal Banker Associate

CIBC
04.2003 - 08.2005
  • Actively promoting a variety of banking products including Personal Bank Accounts, GICs, Personal Lending products including Credit Cards, Lines of Credits.
  • Additional duties included opening and closing branch, balancing tellers and ATM Machines.
  • Pro-actively establish, develop and maintain strong client relationships through regular contact and through providing timely, value-added information, advice and recommendations.

CSR / Branch Ambassador

CIBC
06.2001 - 04.2003
  • Managed high call volumes, maintaining a professional demeanor during peak hours and effectively multitasking in a fast-paced environment.
  • Demonstrated empathy and active listening skills, resulting in a higher rate of customer satisfaction and repeat business.
  • Responded to customer requests for products, services, and company information.
  • Upheld strict adherence to company policies and procedures while providing exceptional service experiences for each client interaction.

CSR (Teller)

CIBC
01.2000 - 06.2002
  • Quickly analyzing and interpreting customer inquiries to identify customer needs Processing day-to-day banking transactions while probing for possible sales opportunity Identifying and resolving complaints, influencing to achieve a solution which is mutually satisfactory to the customer Regularly updates own knowledge of new products, procedures.

Education

High School Diploma -

Pope John Paull II
Toronto, ON
06.2000

Skills

  • Excellent Verbal, Written and Interpersonal skills

  • Detail-oriented

  • Assertive Analytical

  • Experienced Sales expertise

  • Work well under pressure

  • Adaptive

  • Works well under pressure

  • Dependable

  • Target Oriented

  • Sales Expertise

  • Excellent Problem Solving Skills

  • Teamwork and collaboration

Accomplishments

  • Developed and Implemented a tailored Underwriting Process and Procedures for Start-Up Mortgage Co.
  • Created Software, Calculators for Underwriting Staff based on current Policies and Procedures, required by investors and Business Partners.
  • 16+ years of Banking/Finance Experience.
  • Piloted Numerous Sales and Marketing Projects.
  • Mentored and Trained new staff: From Fulfillment, Sales, Underwriting and QA.

Languages

English
Native or Bilingual
French
Limited Working

Certification

  • Licensed Mortgage level 2 Professional - ON / AB

Timeline

Mortgage Agent Lvl 2.

MortgagePal
01.2021 - Current

Underwriting Manager

Marathon Mortgage Corp.
02.2018 - 01.2021

Sr. Residential Underwriter

Marathon Mortgage Corp.
05.2015 - 01.2021

Sr. Mortgage Specialist

Firstline Mortgages
08.2007 - 05.2015

Personal Banker

CIBC
04.2005 - 04.2007

Personal Banker Associate

CIBC
04.2003 - 08.2005

CSR / Branch Ambassador

CIBC
06.2001 - 04.2003

CSR (Teller)

CIBC
01.2000 - 06.2002

High School Diploma -

Pope John Paull II

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