Summary
Overview
Work History
Skills
References
Timeline
Generic

J TEAR

Auckland,AUK

Summary

Property Specialist Lender with over five years of experience in mortgage lending, proven expertise in assessing loan applications and ensuring compliance. Strong skills in communication, relationship building, and time management enhance customer service excellence. Committed to delivering exceptional customer service while managing risk effectively.

Overview

19
19
years of professional experience

Work History

Property Specialist Lender

Avanti Finance
Auckland
04.2020 - Current
  • Specialist lender in property
  • Assessing loans for property – purchases, refinances for short term and long term
  • Making sound decisions within my authorised Delegated Lending Authority amount of $1,250,000
  • Evaluated mortgage applications to determine eligibility and risk levels.
  • Maintained up-to-date knowledge of mortgage industry trends and regulations.
  • Ensured compliance with all federal, state and local regulations related to mortgage lending.
  • Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
  • Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
  • Processed new loan applications in accordance with established guidelines.
  • Evaluated and approved loan applications based on established criteria.
  • Maintained up-to-date knowledge of various loan products and compliance regulations.

Property Collections

Avanti Finance
02.2023 - 08.2023
  • Contacting clients regarding current arrears, to clear or make payment arrangement to clear, before further collection activity
  • Liaising with clients for a clear exit on short term lend due to expire – whether refinance
  • Insurance letters
  • Rates demands

Lending Executive & Settlements

Avanti Finance
04.2007 - 11.2020
  • Senior Lender in Topups team
  • Assessing loans for topups for existing clients, short term property topups, Interest only topups, fully capitalising topups
  • Managed client complaints & broker complaints/issues
  • High level of customer service
  • Payouts & documentation
  • Assisting with marketing campaigns - Closed letters, Xmas campaigns, pre approvals
  • Staff training
  • System Testing

Skills

  • Communication – I regularly interact with customers and brokers with queries and process any requests
  • Time management and strong organizational skills – consistently meeting individual goals as well as team targets
  • Self-management – in my role at Avant Finance I work well independently (working from home) as well as within the team
  • Relationship building – I have a close working relationship with brokers and the wider Avanti company
  • Proven experience and knowledge
  • Customer relationship management
  • Due diligence
  • Client communication
  • Compliance management
  • Loan assessment

References

References available upon request.

Timeline

Property Collections

Avanti Finance
02.2023 - 08.2023

Property Specialist Lender

Avanti Finance
04.2020 - Current

Lending Executive & Settlements

Avanti Finance
04.2007 - 11.2020

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J TEAR