Ernest Cluett
Mount Pearl
Summary
Personable Mortgage Specialist with 24-year background in developing and maintaining customer relationships in financial services industry. Sound knowledge of federal regulations and underwriting processes. Skilled in evaluating financial histories of clients and building network of money lenders and buyers. Hardworking and flexible individual with 40 hours of availability per week, including weekends and evenings.
Overview
24
24
years of professional experience
Work History
Mortgage Specialist
BMO Financial Group
12.2019 - Current
- Achieved high customer retention rate through exceptional relationship management and personalized service.
- Enhanced client trust in the organization through transparent communication and consistent delivery on commitments.
- Developed new business and increased sales through targeted market penetration, extensive training, business partnerships and customer relationships.
- Maintained up-to-date knowledge of industry trends, enabling informed decision-making and accurate advice for clients.
- Attracted new mortgage loan applications by developing relationships within community.
Mortgage Broker
The Mortgage Centre
11.2017 - 12.2019
- Managed loan pipelines efficiently, promptly addressing any issues or concerns that arose during the mortgage process.
- Collaborated with different lenders to find best possible deal for homebuyers.
- Explained entire mortgage loan process to borrower.
Home Financing Advisor
Scotiabank
10.2015 - 11.2017
- Built and maintained relationships with clients to provide ongoing support.
- Facilitated communication and collaboration between departments to help business function smoothly.
- Maintained up-to-date knowledge on industry trends and regulations, ensuring accurate advice was provided to clients at all times.
Mortgage Specialist
RBC Financial Group
12.2013 - 11.2015
- Provided comprehensive financial guidance to clients, recommending suitable mortgage products based on their needs and goals.
Mortgage Specialist
BMO Financial Group
04.2000 - 12.2013
- Collaborated with real estate agents to establish referral networks, fostering mutually beneficial partnerships.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Assisted clients in navigating complex mortgage documentation, ensuring a smooth application experience from start to finish.
Education
B. Ed - Education
Memorial University of Newfoundland
St John’s, NL05.1996
Bachelor of Arts - History & Sociology
Memorial University of Newfoundland
St John’s, NL10.1989
Skills
- Loan Servicing
- Client needs analysis
- Residential mortgage lending regulations
- Document Review
- Employment Verification
- Credit analysis
- Appraisal review
- Relationship Management
- Real estate knowledge
- Refinancing options
- Mortgage Underwriting
Languages
English
Professional Working
Timeline
Mortgage Specialist
BMO Financial Group
12.2019 - Current
Mortgage Broker
The Mortgage Centre
11.2017 - 12.2019
Home Financing Advisor
Scotiabank
10.2015 - 11.2017
Mortgage Specialist
RBC Financial Group
12.2013 - 11.2015
Mortgage Specialist
BMO Financial Group
04.2000 - 12.2013
B. Ed - Education
Memorial University of Newfoundland
Bachelor of Arts - History & Sociology
Memorial University of Newfoundland
Similar Profiles
CHRISTOPHER MARSHALLCHRISTOPHER MARSHALL
SPECIALIST II at BMO FINANCIAL GROUP, BMOSPECIALIST II at BMO FINANCIAL GROUP, BMO
Surya SahooSurya Sahoo
Lead Data Analyst at BMO Financial GroupLead Data Analyst at BMO Financial Group
Victor JonesVictor Jones
Fraud Analyst at BMO Financial GroupFraud Analyst at BMO Financial Group