Zzulfi

Self-motivated and rigorous Mortgage Specialist with a track record of surpassing revenues and sales targets through the selling of the loan products and services. Reviewing and analyzing client information and applications. Establishing and suggesting clients' financial requirements.

Professional in the mortgage sector with extensive loan processing. Thorough understanding of conventional and government loan programs. Diligent in acquiring borrower information, confirming loan paperwork and examine file documentation to prepare each loan from preapproval to closure.

Mortgage Advisor - BMO Bank of Canada

(2018-07)

• Meet with the clients to obtain information about the loan applications and to answer questions about the process and the terms of the loans.
• Obtained and compiled copies of loan clients' credit histories, financial information.
• Develops and maintain a quality network of business relationships such as with realtors that is ongoing.
• Managed a large database of personal clients to provide products and services.
• Contacted new and existing clients to discuss how their needs could be met through specific products and services.
• Leveraged extensive knowledge of the brand tools and services for the purpose of education for oneself and others.
• Analyzed clients' financial status, credit, and property evaluations to determine the feasibility of granting loans.
• Reviewed and updated credit and loan files and sent approved loan documents to underwriting with specific limits.

Mortgage Agent - DOMINION LENDING CENTRE - Toronto, GTA

(2009-03 - 2015-12)

Offering (FIRST & SECOND MORTGAGE UNDERWRITING)

• Developed and closed mortgage and home equity line of credit referrals from realtors, builders, lawyers, accountants, financial planners and other centers of influence.
• Leveraged skills in consultative sales and provided exceptional level of service and advice to new members introduced to Meridian.
• Met with clients at their home or place of business to process their mortgage application.
• Evaluated the unique needs of each client and provided sound credit recommendations and solutions.
• Ensured profitability of all transactions through appropriate application of rates (discretionary pricing, risk-based lending) fees and service charges.
• Attained individual targets for sales and referrals as mutually agreed upon in the annual performance planning cycle.
• Participated in annual objective setting and regular coaching sessions.
• Probed to identify clients' needs and opportunities and provide solutions or refer to appropriate team members to meet those needs.
• Ensured all transactions are documented and accurately completed in a timely and professional manner.

HR Manager (contract) - Omega Capital Management Inc. - Toronto

(2006-04 - 2009-10)

• Provided HR support and guidance in all areas including recruitment, talent management, succession planning, retention, policy, HR planning, legislation, employee relations, performance management, organizational development, and other related tasks.
• Completed assessment on internal labour force and external labour market for recruiting strategies and succession planning.
• Identified retention issues and recommends solutions to address future and current people requirement.
• Facilitated leave management including, WSIB and return to work initiatives.
• Facilitated annual processes related to performance review and annual salary, conducts compensation surveys, and assists in total rewards programs.
• Managed and coordinated all Employee Relations issues towards effective resolution.
• Developed and implemented change management strategies to support critical evolution of the business and achieve desired business results that are sustainable over.
• Supported the HR team with building and continuously improving the Human Resources and the Business Partner function to be aligned to and fully integrated with the unique requirements of each line-of-business.

Second Assistant Manager & HR Health and Safety Manager - McDonald's Restaurant - Toronto

(1994-12 - 2007-05)

• Demonstrated and reinforced the leadership behaviors and basic people standards necessary to gain commitment from crew and other Shift managers recruiting, staffing, scheduling and retaining employees.
• Managed the development and training of crew and shift management employees. Building sales and controlling costs to deliver optimum business results for all areas of accountability; maintaining critical standards for product quality, service speed and quality, cleanliness and sanitation.
• Developed and training crew employees; Managing shifts and/or areas without supervision; Ensuring all safety, sanitation and security procedures are executed; Developing and training Assistant Managers.
• Administered all in-restaurant records and procedures including, Health & Safety benefits, payroll, inventories, and security and employee personnel files…etc. Complete my Current basic First Aid and CPR, providing and maintaining accurate statistical data, reports and analysis of injury trends to operations in support of divisional accident reduction goals.
• Participated in divisional Health & Safety Committee activities, ensuring regular meetings and inspections are taking place, follow up action is being taken, and that required membership and certification requirements are met.
• Delivering, coordinating and tracking of health & safety related training such as lifting devices, WHMIS, and Safety Orientation.

Honor Diploma - Business Administration - Seneca College (1997-09 - 2000-06)