Melissa Mckenzie

Licensed Mortgage Agent and active Mortgage Professionals Canada (MPC) member with over 4.5 years of experience in high-velocity, digital-first brokerages. Authorized for multi-provincial English-language transaction execution (ON, AB, SK, NB, QC) anchored by Ontario FSRA compliance framework and regulatory standards. Fully compliant with annual continuing education (CE) requirements under current Canadian mortgage industry standards.

Proven track record in converting inbound digital leads, evaluating complex client financial profiles under OSFI guidelines, and managing end-to-end mortgage pipelines. Skilled in pre-qualification, client discovery, credit/income verification, and collaborating with underwriting and processing teams to maximize approval speed and client retention.

Mortgage Advisor - nesto inc.

(2025-12)

• Managed full-cycle mortgage applications for inbound digital leads across ON, AB, SK, NB, and QC/EN under FSRA regulatory compliance structures, leveraging Salesforce CRM to track high-volume pipelines.
• Maintained detailed pipeline tracking and pipeline reporting using Microsoft Excel and Google Sheets, ensuring data accuracy across client documentation workflows.
• Utilized Calendly for seamless client appointment bookings and collaborated daily with processing and underwriting teams using Slack, Google Meet, and Microsoft Teams.
• Evaluated client financial profiles, income documentation, and credit reports to perform precise GDS/TDS debt service ratio calculations under OSFI guidelines.
• Conducted discovery calls to educate clients on fixed vs. variable rates, mortgage terms, products and pre-qualification requirements, ensuring high conversion from inquiry to application.
• Packaged clean deal files and submitted applications via digital brokerage software, providing Filogix and B-lending support to streamline underwriter reviews.
• Partnered closely with internal processing and underwriting teams to collect outstanding conditions promptly and ensure high client retention from the lead stage to funding.
• Recognized with internal performance recognition as Top New Sales Advisor Submitted and Funded.

Sales Development Representative (SDR) - nesto inc.

(2022-04 - 2025-12)

• Acted as the primary point of contact for high-volume inbound mortgage inquiries, logging stage conversions and client interactions in Salesforce.
• Organized daily lead queues and performance tracking using Google Sheets and Microsoft Excel to monitor contact rates and pipeline progression.
• Integrated Calendly links into prospect communications to facilitate immediate self-booking for discovery calls, increasing lead conversion efficiency.
• Managed daily lead pipelines, maintaining fast outreach turnaround to maximize lead-to-opportunity conversion rates.
• Prepared accurately, fully documented files for seamless handoff to licensed advisors to optimize team processing speed.

Mortgage Agent Apprentice - Zolo Mortgages

(2021-09 - 2022-04)

• Supported senior mortgage agents in qualifying inbound leads and preparing full mortgage applications using Filogix Expert.
• Guided clients through the document collection process to reduce friction and accelerate lender submission timelines.
• Advised Zolo Mortgage clients on mortgage options and lending requirements.
• Collected borrower documents for complete mortgage applications.
• Facilitated partnerships among lenders, brokers, and real estate partners to enhance workflow.

Manager - Doll Bar Inc. - Toronto, ON

(2010-09 - 2022-01)

• Oversaw daily operations, customer scheduling, staff supervision, and high-touch service delivery for high-volume business.
• Achieved strong client retention through consultative service delivery and effective team leadership.
• Managed daily operations for doll bar sales floor and customer service
• Supervised staff schedules, shifts, and assigned front-end duties
• Trained team on product knowledge, displays, and service standards

Bachelor of Arts (B.A.) - Political Science & Economics - Concordia University