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Debra Hay is an experienced professional in the mortgage industry, currently serving as a Senior Underwriter at MCAP since October 2012, where responsibilities include underwriting the associates desk and training new brokers on company policies. Prior to this role, Debra was the Manager of Operations at Sendum Wireless from October 2010 to October 2012 and a Senior Credit Analyst at Td Canada Trust from April 1999 to November 2010, focusing on underwriting mortgage applications and assessing credit worthiness. Debra began their career as an Executive Assistant at The Mortgage Group from March 1995 to April 1999, engaging in multiple roles within the industry. Debra holds an Associate's degree in Fine and Studio Arts from Emily Carr University of Art and Design (1993-1995) and a diploma of fine arts from Langara College (1990-1992).