Resume Brown
- 1. Resume Contact Details Name: Maria Brown Address: 15 Tallwood Place St Clair NSW 2759 Australia Phone: 02 9670 3530 Mobile 0423929334 Email Address: mcudillo@yahoo.co.in Education/Qualifications Institution: Loreto College – Calcutta University City/Country: India Qualifications: Bachelors Degree in English Literature with Political Science & Economics Completed: 2002 Skill Summary Non Technical Skills: Strong sense of teamwork, Ability to plan, promote and use own time and resources effectively Actively looking for ways to help people Display sound judgment. Professional attitude towards both the internal & external environment Exceptional Communication skills by communicating effectively in writing as appropriate for the needs of the audience Ability to work well under pressure & maintain service level agreements Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions. Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems. Instructing - Teaching others how to do something. Service Orientation - Actively looking for ways to help people Computer Skills: Jackson, Lotus Notes; MS Excel; MS Office; MS Word; MS Windows; NTBS, BPMS
- 2. Employment History AMP Bank Start Date: November 2007 End Date: N/A - Current Position/Title: Service Co-ordinator – Credit Analyst Responsibilities/ Skills: • Checking Loan Applications are filled out correctly and are complete prior to processing. • Entering Loan Application data onto the system • Approve loans within specified limits, and refer loan applications outside those limits to management for approval. • Analyse applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. • Review and update credit and loan files. Do credits check on the borrowing entity through Veda, thereby assessing the credit report to pick up on any credit related issues that might be of any impediment to the borrower’s application for a loan • Read valuations and see if the security property adheres to standards for financing. • Review loan agreements to ensure that they are complete and accurate according to policy Collating and assessing of all financial documents like payslips, home loan refinance statements, credit card statements so as to assess the borrowers’ borrowing capacity. • Monitoring & reviewing the pipeline of loan applications, loans in presettlement and settled loans to ensure that problems/corrections are identified and completed; • Liaising with AMP’s originators, planners and solicitors, including answering queries and relaying queries to the originators. • Handle customer complaints and take appropriate action to resolve them.
- 3. SKILLS:- • Skill to recognise, analyse and solve problems • Have been able to use judgement with operational and people issues in an objective and professional way • Ability to handle high volumes and work effectively under pressure • High level attention to detail and commitment to quality • Ability to multitask i.e. processing between calls • Passionate about helping people Positive attitude and desire to make a difference • Flexible & willing to try different approaches to reach successful outcomes • Strong understanding of compliance framework and obligations and consequences on non-compliance • Timekeeping and ability to keep to deadlines • Conflict Resolution and negotiation skills ACHIEVEMENTS:- • An in depth understanding of the structure and set up of SMSF (Self Managed Superfund loans) • An in depth understanding of the structure and set up of complex company trust loans • Training and coaching brokers, planners and staff on the above • Creating training material as reference for all staff members • Obtaining and retaining a DLA(Delegated Lending Authority) of $750,000.00
- 4. Seiza Capital Start Date: July 2006 End Date: August 2007 Position/Title: Settlements Officer & Credit Support Officer Responsibilities/ Achievements: A: Settlements Officer • Checking returned Letters of Offer for correct execution and no alterations; following up on altered Letters Of Offer until final Letter received; • Monitoring the commitment fee account to determine that all funds have been collected as required and that funds are remitted to settlement required; • Monitoring & reviewing the pipeline of loan applications, loans in Presettlement, and settled loans to ensure that problems & corrections are identified and completed; • Liaising with Seiza’s settlement agent, including answering queries and relaying queries to the originators; • Collecting Managers’ Certificates and Solicitors Certificates as required on settlement day, review them for exceptions, clear exceptions with Credit and create funding package for lender once all exceptions are cleared; • Track funds due to Seiza Mortgage for upfront fees, title insurance fees and trails and chase for collection as required; • Review payments out for upfront payments and trail ensuring amounts are as agreed; • Providing data & weekly statistics of settled loans B: Credit Support Officer • Checking Loan Applications are filled out correctly and complete prior to processing.
- 5. • Entering Loan Application data onto the system • • Read valuations and see if the security property adheres to policy standards for financing. • Do credits check on the borrowing entity through Veda, assess the credit report to pick up on any credit related issues that might be of any impediment to the borrowers’ application for a loan. • Collating all financial documents like Tax Statements, Profit & Loss statements, payslips to access the borrowers’ borrowing capacity. • Filling out the Debt Service Ratio (DSR) calculator. WIZARD Start Date: January - 2006 End Date: July - 2006 Position/Title: Credit Support Officer & Settlements Officer Responsibilities/ Achievements: A: Settlements Officer/Credit Support Officer • Settling loans and going through loan agreements • Clear fax machine and certification box • Order the files • Sort the Loan Certification to the correct file • Checking Certification and emailing solicitors regarding errors on the certifications
- 6. • Inputting errors into the Error Log Report • Enter insurance policy details, title details and ANA details onto the system • Fund the loan once everything is correct • Answering solicitors and branch enquiries via email and phone • Conducting employment checks • Generating reports on service levels • Allocating deals to credit officers • Checking property valuations and entering then into the system • Liaising with valuers and mobile lending managers . WIZARD Start Date: Apr 2004 End Date: December 2005 Position/Title: Customer Service Officer Responsibilities/ Achievements: A: Lead Generation Officer and Customer Service Operator • Converting customer enquiries to sales leads for Wizard branches • Making inbound survey calls • Processing email applications • Attending to calls regarding Wizard products • Handling transactional enquiries
- 7. Referees Jessica Lillis Phone: 02 9768 3421 Organisation/Position: AMP Bank –Team Leader/Product Manager Neil Bray Phone: 02 9768 3187 Organisation/Position: AMP Bank –Team Leader