Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Raymond Kung

Scarborough,Ontario

Summary

High-achieving Mortgage Broker with career spent building business opportunities and working with lenders. Exceptional loan origination knowledge and follow up with lenders and borrowers. Dedicated to best-in-class mathematical accuracy, efficiency and white glove client services.

Overview

11
11
years of professional experience
1
1
Certification

Work History

Mortgage Broker

Mission 35 Mortgages
03.2021 - Current
  • Explained entire mortgage loan process to borrower; this included presented, explained and processed home loan documents such as client onboarding application and mortgage commitment to borrowers.
  • Collaborated with over 10 different lenders and their BDM to find best possible deal for homebuyers.
  • Analyzed over 15 loan applications per week and credit reports to determine loan eligibility and risk level.
  • Delivered exceptional customer service, resulting to increasing 100% repeat business and referral from clients.
  • Assisted clients throughout mortgage application process (24/7 access), guiding each client from initial inquiry to closing.
  • Collaborated with real estate agents, appraisers, and other industry professionals to facilitate smooth transactions and providing a holistic real estate experience for clients.
  • Developed a network of referrals through positive interactions and a strong professional presence in the community.
  • Resolved challenges that arose during the mortgage process, such as credit issues or appraisal discrepancies, through effective negotiation and creative problem-solving.
  • Managed and organized client documentation and mortgage application processes with precision and attention to detail.
  • Closed $20MM dollars in new mortgages in 2022

Mortgage Specialist

Bank Of Montreal, BMO
01.2020 - 03.2021
  • Cultivated and maintained strong relationships with clients, providing them with personalized mortgage solutions.
  • Acted as the primary point of contact for clients, ensuring their needs and concerns were addressed promptly and professionally.
  • Actively listened to clients' financial goals and needs, tailoring mortgage recommendations accordingly.
  • Compiled closing packages for drafting and presentation accuracy.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
  • Managed over 25-35 client calls a day.
  • Closed $35 MM dollars in new mortgages FY21.
  • Successfully achieved 40% in selling mortgage protection insurance.

Business Advisor

Bank Of Nova Scotia
01.2018 - 01.2020
  • Creating opportunity for small business owners to better the financial situation with a complete financial review, providing investment plan, operation/day to day plans to help them achieve their financial dream.
  • Interacting with the local community and collaborating with business clients to build relationships and give back to non-profit organizations
  • Creating network connections events to increase center of influence and grow the branch book of business
  • Support and maintain existing small business clients by scheduling monthly or quarterly meetings and site visit; offering different strategies and products to help streamline their operations
  • Identifying high net worth business clients providing support and deepen the relationship to achieve OFI deposit opportunities
  • Referred clients to different specialty partners i.e
  • Wealth Partner and Commercial Partners
  • Successfully achieved 180% YTD goal for FY19 with a net growth of 25MM.
  • Winner of FY19 Top performer of the year
  • Q1: FY20 currently 290% QTD and 245% over target YTD.
  • Net Promoter score for Q1 is 95% - customer satisfying metric
  • Collaborating with commercial partners and successfully structured over 7MM commercial lending deals.
  • Q1: FY20 successfully won net new small business clients from various scheduled one banks and bringing in 8MM in net growth.
  • Collaborating with local businesses in raising funds for United Way Employee Campaign.
  • Provided leadership coaching to small business owners, enabling each to find daily motivation, solve problems, and make effective decisions.
  • Crafted business plans that identified long term company goals and also detailed smaller goals to keep organization on track.

Senior National Account Manager

National Bank Of Canada
01.2015 - 01.2018
  • Provide support, development and nurturing of approximately 35 different Portfolio Management firms with A.U.M up to $2.3 billion dollars.
  • Collaborating with Relationship Managers during prospective client meetings to present and showcase advantages of utilizing the NBC Trading Platform to win over new Portfolio Management firms.
  • Act as a single point of contact, subject matter expert and escalation point for client issues for all Portfolio Management Firms once handoff has been completed from Relationship Managers.
  • Scheduling ongoing touch base and proactive contact to assess existing Portfolio Management firm relationships for cross-sell opportunities for new and additional services and programs under NBC Wealth Management to further solidify and franchise existing book of business.
  • Provide end to end onboarding and ongoing training and support to all new Portfolio Management firms to ensure smooth transition and utilization of NBC Trading Platform - including regular presentations, training sessions, telephone/face to face support, etc
  • Collaborating with Risk and legal teams, creating FAQ, enhanced policies and procedures around FATCA, AML and CRM2.
  • Implementing updated daily reports for internal staff as well as for Portfolio Managers.
  • Successfully collaborating with Relationship Manager to win over 15 individual ex-Hollis Wealth advisors and bringing over $30MM in combined portfolios to be onboarded to NBC Trading Platform.
  • Winner of the Q3 –Quarterly Employee Award for teamwork, superior client relationships and delivering a key piece to the National Banks’ User Interface.
  • Initiated a new Employee Experience Committee, implemented a ‘Your Voice’ subcommittee, committed to improving the overall employee work experience
  • Increased YTD index by 20%.
  • Assisted in launching National Bank web resource portal, a new client facing web portal.

Senior Investment Representative

TD Waterhouse
01.2013 - 01.2015
  • Collaborate with high value clients in executing multi-million-dollar stock, bond, and mutual fund trades, foreign exchange transactions and corporate action orders.
  • Identify and anticipate clients’ needs in a fast pace environment.
  • Proactively identify and offer cross-sell solutions to clients to better enhance trading experience and adaptability to market changes and fluctuations.
  • Identify sales and advice opportunities to refer high value clients to internal Bank and Wealth partners for additional solutions outside of TD Direct Investing platform.
  • Manage the end-to-end fixed income portfolio transaction monitoring process for TD Waterhouse high net worth clients.
  • Collaborate and execute requests with retail TD branches and TD Wealth Support departments (Credit & Risk, New Accounts/ Account Transfers and Registered Accounts department) to provide efficient solutions to client concerns.
  • Be a subject matter expert and point of contact for clients and internal staff on Web broker - Advance Dashboard.
  • Trading Platform and participate in live system testing for defects and system outages.
  • Successfully being a leader in my team in exceeding daily and monthly metric goals; October 2014: 272.1 % over target, Q4 2014: 208.4% over sales goal; 2014 Year-end: 197% over Individual sales goals
  • Achieved 150% over targeted customer experience index.
  • Developed a playbook for internal employees to assist them with anticipating the clients’ needs and business requirements.

Education

Bachelor of Arts - Political Science and Philosophy

UNIVERSITY OF TORONTO
Toronto, Ontario
2008

Skills

  • Working knowledge of
  • IBM, ISM, OSS, Order Trade Entry
  • Working knowledge of Visio
  • Proficient in Excel, Access and SQL
  • Proficient in spoken Cantonese

Certification

  • Mortgage Brokers Bankers and Agents Financial Services Regulatory Authority of Ontario (FSRA) 2021,
  • Business Banking CSI 2018,
  • Certified Scrum Product Owner (CSPO), Scrum Alliance 2017
  • Derivatives and Fundamentals Course (DFC), CSI 2014
  • Options Licensing Course (OLC), CSI 2014
  • Conduct and Practices Handbook Course (CPH), CSI 2013
  • Canadian Securities Course (CSC), CSI 2013

Timeline

Mortgage Broker

Mission 35 Mortgages
03.2021 - Current

Mortgage Specialist

Bank Of Montreal, BMO
01.2020 - 03.2021

Business Advisor

Bank Of Nova Scotia
01.2018 - 01.2020

Senior National Account Manager

National Bank Of Canada
01.2015 - 01.2018

Senior Investment Representative

TD Waterhouse
01.2013 - 01.2015

Bachelor of Arts - Political Science and Philosophy

UNIVERSITY OF TORONTO

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Raymond Kung