Tingjian (Issac) Song
Auckland,New Zealand
Summary
Detail-oriented Home Lending Banker with years of home lending and banking experience. Professionally works with different customers to meet individual needs and maximize bank revenue. Analytical problem-solver tenacious in pursuing sales opportunities.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Senior Home Lending Associate
BANK OF CHINA (NEW ZEALAND) LTD
2023.02 - 2023.06
- Coached and guided home loan associates and assistants to successfully meet team goals
- Maintained high levels of accuracy and completeness in handling loan renewals, payments, payoffs, account transfers, and client requests promptly.
- Liaised between Personal Banking Department and internal departments, expediting lending request processing while ensuring compliance with banking policies.
- Monitored pre & post-lending work, ensuring timely repayment and maintaining strong credit quality.
- Managed the ongoing Customer Due Diligence list and ensured associates completed OCDD in a timely and accurate manner, meeting Risk & Compliance requirements.
Home Lending Associate/Assistant
BANK OF CHINA (NEW ZEALAND) LTD
2021.02 - 2023.02
- Provided comprehensive banking services to portfolio customers.
- Conducted AML and KYC onboarding for new bank customers, ensuring compliance with required standards.
- Managed daily loan and account delinquency list efficiently.
- Provided product consultation and promotion services to meet customer needs.
- Supported and assisted the Home Lending team in completing pre-drawdown and post-drawdown processes.
Tutor for Economic
YOUTUTOR LTD
2019.09 - 2021.09
- Developed lesson plans that focus on assignments and final examinations for students of different levels
- Provided tuition classes for over 50 students each semester
- Designed revision notes for students to enhance understanding through case studies and examples.
Accountant Assistant (Internship)
GRAND VIEW LTD
2020.06 - 2021.02
- Assist in the preparation of Profit and Loss statements and Monthly Financial Reports for the director under supervision of Senior Accountant
- Accurately record daily transactions into Xero.
- Assist with monthly GST returns and PAYE filing.
- Daily bank reconciliation for the main NZD business bank account.
- Assist with the preparation of budgets and forecasts.
Home Lending Banker
BANK OF NEW ZEALAND
2023.06 - Current
- Hold own DCA (Delegated Commitment Authority), assessed and completed complex home lending, interpreting financials for micro businesses and verifying income, while also conducting account conduct assessments and approving detailed refer codes.
- Assisted customers with personal lending tasks while proactively identifying and fulfilling their specific needs, including credit cards, overdrafts, and personal loans aimed at debt consolidation and management.
- Assisted customers onboarding to ensure compliance with bank's KYC and CRS regulations requirements.
- Delivered BNZ's signature experience by holding conversations with customers to identify their goals and propose solutions for achieving the best outcomes.
Education
Bachelor of Commerce - Accounting And Finance
UNIVERSITY OF AUCKLAND
Auckland, NZ12.2020
Skills
- Secured & Unsecured Lending Credit Assessment
- Financial Modeling
- Bilingual Communication
- Client-relationship Management
- Portfolio Management
- Customer Due Diligence
- Microsoft Office Suite programs
Certification
- Chartered Financial Analyst (CFA) Institute, Level 1 Candidate
- Financial Services Institute of Australasia (FINSIA), Professional Banking Fundamentals
Languages
English
Full Professional
Chinese (Mandarin)
Native/ Bilingual
Timeline
Home Lending Banker
BANK OF NEW ZEALAND
2023.06 - Current
Senior Home Lending Associate
BANK OF CHINA (NEW ZEALAND) LTD
2023.02 - 2023.06
Home Lending Associate/Assistant
BANK OF CHINA (NEW ZEALAND) LTD
2021.02 - 2023.02
Accountant Assistant (Internship)
GRAND VIEW LTD
2020.06 - 2021.02
Tutor for Economic
YOUTUTOR LTD
2019.09 - 2021.09
Bachelor of Commerce - Accounting And Finance
UNIVERSITY OF AUCKLAND
- Chartered Financial Analyst (CFA) Institute, Level 1 Candidate
- Financial Services Institute of Australasia (FINSIA), Professional Banking Fundamentals
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