Deirdre (Dee) Mathers
Napier
Summary
Talented Lending Specialist with a proven track record of providing financial services to clients while managing complex loan transactions. Possesses a deep understanding of credit analysis, loan origination, and closing. Offers great time management and task prioritization skills.
Overview
18
18
years of professional experience
Work History
Asset Lending Analyst
Commercial Lending Partners
2023.08 - Current
- Managed a diverse portfolio of loans across various sectors, demonstrating versatility and adaptability within the lending specialist role.
- Enhanced loan application approval rates by conducting thorough credit analyses and evaluating borrowers' financial status.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine the feasibility of granting loans.
- Conducted thorough analysis of borrower financial statements to evaluate creditworthiness accurately before approving loans.
- Demonstrated strong attention to detail by performing thorough due diligence on all aspects of each loan application before submission for approval.
- Ensured accuracy in all loan documents by meticulously reviewing agreements before submission for approval.
- Streamlined loan application processes by implementing efficient documentation and communication strategies.
- Assisted with ongoing data entry in the asset management system - Salesforce.
- Reduced turnaround time for loan approvals by maintaining organized records and ensuring timely submission of required documents.
- Maintained a high level of confidentiality while handling sensitive borrower information throughout the loan process.
2IC and Branch Manager
Instant Finance NZ Ltd
2016.10 - 2022.03
- Branch Manager with three staff
- Liaise with clients in person to ensure their financial stability is never compromised
- Take necessary action to recover unpaid accounts – Field Visits, Repossessions, Tracing
- Analyzed applicant's financial status, credit, and property evaluation to determine the feasibility of granting the loan
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Engaged employees in business processes with positive motivational techniques.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
- Examined customer loan applications for loan approvals and denials.
- Completed filings and upheld strict compliance with regulatory agencies and supervisors.
- Compiled database of loan applicants' credit histories, financial statements, and other financial information.
- Drove cross-selling efforts by collaborating with various departments within the organization to maximize revenues from existing clients.
- Generated financial and operational reports to assist management with business strategy.
- Communicated regularly with management regarding portfolio performance and new loan transaction quality
- Maintained confidentiality of bank accounts and client information
- Worked within the company weekly, monthly, and yearly KPI programs and reached targets that were set
- Developed rapport with the customer base by handling difficult issues with professionalism
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
Lending Consultant
Future Finance Ltd
2015.09 - 2016.10
- Processed daily internet and over phone loan applications
- Communicated daily with management regarding current loan prospects
- Maintained confidentiality of client bank details and personal information
- Worked within personal and company monthly targets
- Support fellow Lenders by looking after their prospects when not available
- Analyzed clients personal/financial status and credit report to determine feasibility of granting loan
- Process clients loan applications to forward to other Financial Lenders
- Reason for leaving: Was offered a senior position back with Instant Finance
Lending Consultant/Credit Controller
Instant Finance NZ Ltd
2011.04 - 2012.04
- Performed daily maintenance of the loan applicant database
- Analyzed applicants’ financial status, credit and property evaluation to determine feasibility of granting loan
- Communicated regularly with management regarding portfolio performance and new loan transaction quality
- Maintained confidentiality of bank accounts and client information
- Worked within the companies monthly and yearly KPI programs and reach targets that were set
- Developed rapport with the customer base by handling difficult issues with professionalism
- Cash handling and payment processing
- Reason for leaving: Maternity Leave
Lender and Credit Controller
Fast Track Finance Hawkes Bay Ltd
2008.03 - 2011.04
- Maintained detailed administrative and procedural processes to improve accuracy and efficiency
- Directly supported CEO in managing operation work flow
- Communicated with clients via phone, email and in person to obtain payments on outstanding accounts or accounts requiring deductibles or co-pays
- Managed and assisted the reception area, including greeting visitors and responding to telephone and in-person requests for information – (CEO had 3 business running under one roof.) Created weekly and monthly reports
- Cash handling and payment processing
- Reason for Leaving: no employment progression and wanted to further my career.
Customer Services/Assistant Manager
Sparta Health and Fitness
2007.01 - 2008.03
- Managed daily office operations and maintenance of equipment
- Maintained an up-to-date roster for personal trainers
- Maintained the front desk and reception area in a neat and organized fashion
- Managed the receptionist area, including greeting visitors and responding to telephone and in-person requests for information
- Thoroughly investigated past due invoices and minimised number of unpaid accounts
- Typed documents, updated websites and compiled information for meetings
- Attended business meetings and took meeting minutes
- Reason for leaving: wanted to go back into the Finance Industry.
Credit Controller
Geneva Finance Limited
2006.02 - 2007.01
- Process daily, weekly and monthly credit files in an appropriate and accurate manner
- Authorise repossession of clients’ security following CCCFA
- Liaise with clients in person to ensure their financial stability is never compromised
- Work within personal and company KPIs
- Participate in weekly and monthly meetings
- Left company due to restructure.
Education
No Degree - Financial Services
The Open Polytechnic
OnlineSkills
- Analytical Thinking
- MS Excel
- Documentation And Reporting
- Information Gathering
- Documentation Review
- Credit analysis
- Database Management
- Financial History Analysis
Work Attributes
- Customer service focused
- Computer savvy
- Adaptive team player
- Telecommunications skills
- Reliable
- Courteous demeanor
- Excellent communicator
- Self-starter
- Friendly
- Calm under pressure
- Energetic
- Dedicated team player
- Excellent time management
- Strong organizational skills
- Multi-tasker
References
References are available.
Timeline
Asset Lending Analyst
Commercial Lending Partners
2023.08 - Current
2IC and Branch Manager
Instant Finance NZ Ltd
2016.10 - 2022.03
Lending Consultant
Future Finance Ltd
2015.09 - 2016.10
Lending Consultant/Credit Controller
Instant Finance NZ Ltd
2011.04 - 2012.04
Lender and Credit Controller
Fast Track Finance Hawkes Bay Ltd
2008.03 - 2011.04
Customer Services/Assistant Manager
Sparta Health and Fitness
2007.01 - 2008.03
Credit Controller
Geneva Finance Limited
2006.02 - 2007.01
No Degree - Financial Services
The Open Polytechnic
Similar Profiles
Belinda BellBelinda Bell
Sr. Recruiting Consultant at Wells Fargo Commercial LendingSr. Recruiting Consultant at Wells Fargo Commercial Lending
Margaret (Marcy) MurankoMargaret (Marcy) Muranko
Post Closing Admisinstrator at Trius Lending PartnersPost Closing Admisinstrator at Trius Lending Partners
Keith TorgersenKeith Torgersen
Closing and Funding Manager at TRIUS LENDING PARTNERSClosing and Funding Manager at TRIUS LENDING PARTNERS