Chang Liu
Auckland
Summary
With a decade of proficiency in the finance industry, comprising six years in banking and three years in lending, I possess a thorough understanding of these pivotal sectors. My commitment to delivering outstanding customer experiences is complemented by my dedication to providing timely and professional service to clients. Drawing upon my adept communication skills and ability to cultivate rapport, I am poised to cultivate enduring relationships and propel business growth.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Business Banking Assistant
ASB Bank
04.2023 - Current
- Acting as the Bank's first point of contact within the Business Centre for Small Business, where I assist customers with transactional enquiries or refer the customer to the relevant team.
- Receiving and actioning customer transaction and service requests, including the receipt, processing and confirmation of transactions and service requests, and information requests from external bodies.
- Providing support to customers through a variety of administrative tasks which Includes, but is not limited to, the opening of new accounts/groups, account enquiries, international Money Transactions enquiries, transfers, refunds, signature checking and account administration.
- Supporting ongoing customer maintenance, to ensure needs and issues are always proactively identified and addressed in a timely manner.
- Providing effective communication to internal and external customers whether it be by telephone or email.
Mortgage Adviser
Global Financial Services Limited
04.2021 - Current
- Obtained copies of applicants' credit histories and reviewed paperwork to determine the feasibility of granting loans. Managed over 500 loan proposals, including residential, business, and construction loans.
- Acquired new clients and assessed their needs according to their financial information. i.e. Financial report, GST return and IRD summary.
- Prepared client applications as per New Zealand Banking guidelines.
- Made recommendations to customers and offered a transparent view of outcomes.
- Maintained long-term & effective relationships with customers and lending institutions.
Lending Assistant
Prosperity Advisors Limited
08.2019 - 07.2020
- Obtained copies of applicants' credit histories and reviewed paperwork to determine the feasibility of granting loans.
- Prepared applications and liaised with lenders, clients, and other professionals such as lawyers, valuers, and agencies to ensure a smooth settlement.
- Arranged loan approval renewal before expiry.
- Negotiated best pricing and assisted client re-fix.
Account Relationship Manager
Bank Of Communications Co., Ltd.
10.2013 - 11.2017
- Addressed problems with accounting, billing and service delivery to maintain and enhance client satisfaction.
- Prepared accurate credit submissions for new and existing clients; ensuring they contain the relevant business and financial information to enable lending decisions to be made by the appropriate approval authority at first pass.
- Built and strengthened long-lasting client relationships based on accurate price quotes and customer-centric terms. E.g. Managed more than 800 million for business and commercial accounts.
- Entered financial statements for credit submission and review. E.g. Processed and granted loans for large agricultural projects as part of the team.
- Executed foreign currency transactions for clients.
- Liaised between account holders and various departments within the bank.
Bank Teller
Bank Of Communications Co., Ltd.
11.2012 - 10.2013
- Assisted customers with setting up or closing off accounts.
- Reconciled cash drawer and resolved discrepancies.
- Counted and packaged currency and coins.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
Education
Master of Marketing -
Auckland University of Technology
New Zealand03.2020
Bachelor of Financial Management -
Heilongjiang Bayi Agricultural University
China07.2012
Skills
- Proficient in ASB Business and Personal Banking Products and Services
- Experienced in operating ASB Internal systems
- Skilled in Financial Analysis
- Proficient in Account Management
- Strong in Customer Relations
- Effective Time Management
Certification
- NZ Financial Services Certificate Level 5 - Residential Property Lending - May 2022
Timeline
Business Banking Assistant
ASB Bank
04.2023 - Current
Mortgage Adviser
Global Financial Services Limited
04.2021 - Current
Lending Assistant
Prosperity Advisors Limited
08.2019 - 07.2020
Account Relationship Manager
Bank Of Communications Co., Ltd.
10.2013 - 11.2017
Bank Teller
Bank Of Communications Co., Ltd.
11.2012 - 10.2013
Master of Marketing -
Auckland University of Technology
Bachelor of Financial Management -
Heilongjiang Bayi Agricultural University
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