CYLIA LOCKSAM KOROTINI
Auckland,New Zealand
Summary
I am currently wanting to progress my career at ANZ Bank and move into a role where I can grow my knowledge of banking and the financing, by completing the Diploma in Business Development offered through University of Auckland, this will enable me not only improve my understanding and knowledge in business but also put me in a better position to move into other roles within the business. I am a highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 6 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet both personal and professional goals.
Overview
12
12
years of professional experience
Work History
Home Lending Specialist
ANZ Bank New Zealand
08.2021 - Current
- Enhanced loan application approval rates by conducting thorough credit analyses and evaluating borrower''s financial status.
- Streamlined the lending process for clients, guiding them through document preparation and submission requirements.
- Improved customer satisfaction by delivering personalized loan consultation services tailored to individual financial needs.
- Assisted colleagues in managing complex loan applications, expediting processing time and ensuring timely approvals.
- Developed strong relationships with clients, fostering trust and loyalty to maintain a high retention rate of satisfied customers.
- Collaborated with underwriting team to ensure adherence to lending guidelines while maintaining client confidentiality throughout the process.
- Implemented risk mitigation strategies during loan evaluation processes, safeguarding the institution''s interests and minimizing potential losses.
- Maintained up-to-date knowledge of industry regulations and compliance standards, ensuring accurate and legally compliant lending practices.
- Optimized internal communication channels between departments, facilitating faster loan processing times and improved accuracy in documentation handling.
- Educated clients on various lending products available, helping them make informed decisions that best suited their financial goals.
- Resolved customer complaints promptly and professionally, resulting in increased satisfaction rates among borrowers.
- Negotiated favourable loan terms for clients by leveraging strong understanding of market trends and competitor offerings.
- Maximized revenue generation by identifying opportunities for upselling or cross-selling additional financial products during client interactions.
- Monitored pipelines to track and log status of loans.
- Processed loan applications and monitored progress from start to finish.
- Explained very technical financial information to applicants in easy to understand language.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Proactively identified solutions for customers experiencing credit issues.
- Negotiated loan terms and conditions with customers to secure best deal.
- Assisted clients with improving financial health by counselling on issues such as excessive spending and borrowing.
- Analyzing home lending applications up to $2.5M both on new security and existing security requiring home loan top ups for either purchase of an additional property or for other needs that meets our suitability requirements.
Personal Banker
ANZ Bank New Zealand
10.2019 - 08.2021
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Enhanced client retention with proactive follow-ups and timely resolution of account issues.
- Streamlined daily operations, ensuring accurate transaction processing and efficient customer service delivery.
- Boosted sales of bank products through effective cross-selling and up-selling techniques.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Collaborated with branch team members and other members of the Personal Banking team contact centre network to achieve monthly sales targets and improve overall performance.
- Delivered comprehensive financial advice, strengthening client relationships and promoting long-term loyalty.
- Assisted in the development of marketing strategies to increase awareness of bank products and services within the local community.
- Contributed to a positive work environment, fostering teamwork among colleagues to enhance productivity levels.
- Helped manage customers solutions related to unsecured lending needs by completing financial assessments to provide suitable outcomes for our existing customers and potential customers.
- Assessed personal loan applications for customers up to $50k that did not require security.
- Provided insurance for home, contents, cars and life to customers providing protection for themselves, their families and their assets.
- Creating a safe space for customers to discuss their financial worries and working through solutions to help customers maintain their finances or provide better solutions to improve their financial positions.
- Onboarding new to bank customers and providing customers with products that are best suited to their financial goals and needs.
- Assisted with opening Term Deposits of up to $25M and funds transfers of up to $3M.
Service Consultant
ANZ Bank New Zealand
04.2017 - 10.2019
- Enhanced customer satisfaction by addressing and resolving service-related issues promptly.
- Streamlined service processes for increased efficiency and improved customer experience.
- Developed strong relationships with clients, leading to increased loyalty and repeat business.
- Conducted comprehensive needs assessments to identify areas for service improvement and tailored solutions accordingly.
- Provided exceptional support to customers, resulting in a significant decrease in complaint rates.
- Met customers basic banking needs like account opening, bank transfers of up to $500k, internet banking needs and opening Term Deposits of up to $2M.
- Managing customers eftpos/visa debit card faults, stolen, lost and replacing cards on their behalf.
- Assisting customers with their initial needs and directing them to the correct business department if outside my skillset.
Computer Assisted Telephone Interviewer
Gravitas Research and Strategy
07.2012 - 03.2017
- Improved customer satisfaction by conducting thorough telephone interviews and accurately recording responses.
- Streamlined data collection process for faster project completion by effectively utilizing computer software and databases.
- Enhanced interviewee engagement with clear communication and active listening skills during telephone interviews.
- Exceeded daily call quotas while maintaining high-quality interactions, ensuring timely project progress.
Education
Certificate IV - Science & Technology
Auckland University of Technology
Auckland, NZ08.2013
NCEA Level 3 -
Mt. Albert Grammar School
MOUNT ALBERT, NZ12.2011
Skills
- Documentation Review
- Loan Origination
- Credit Analysis
- Loan Servicing
- Decision Making
- Debt Restructuring
- Credit Scoring
- Teamwork Abilities
- Problem Solving
- Collateral Evaluation
- Relationship Building
- Customer Service
- Time Management
- Computer Proficiency
- Analytical Thinking
- Attention to Detail
- Interpersonal Skills
- Financial Analysis
- Property Evaluation
- Credit History Review
- Payment Schedule Computation
- Terms Definition
- Application Review
- Loan Feasibility Assessment
- Credit File Updating
- Loan File Maintenance
- Income Evaluation
- Financial History Analysis
- Creditworthiness Determination
- Product Education
- Loan Processing Coordination
- Data Entry
- Financial Transactions Expertise
- Bank Product Marketing
- Document Analysis
References
References available upon request.
Timeline
Home Lending Specialist
ANZ Bank New Zealand
08.2021 - Current
Personal Banker
ANZ Bank New Zealand
10.2019 - 08.2021
Service Consultant
ANZ Bank New Zealand
04.2017 - 10.2019
Computer Assisted Telephone Interviewer
Gravitas Research and Strategy
07.2012 - 03.2017
Certificate IV - Science & Technology
Auckland University of Technology
NCEA Level 3 -
Mt. Albert Grammar School
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