Ashwin Kumar

Completed Certificate iv in Real Estate Practice (VIC) from Real Estate Academy Australia during the period. The comprehensive program enhanced my skills in the Real Estate Industry. This dedicated time allowed for a deeper understanding of property sales, property management and auctions and the application of theoretical knowledge in practical scenarios.

● Analyse, assess and make crucial decisions on home loan applications within company policy and procedures

● Determine the credibility of the borrower to meet financial obligation to repay the loan by verifying employment, references, running credit reports and analysing bank statements and payslips to make sure they meet loan criteria

● Verify applicant’s income, expenses, assets and liabilities

● Verifying various documents such as payslips, bank statements, tax returns, Government letters, valuation report, rental statements/agreement, titles etc, and ensuring that the documents are consistent and meets the document standards of the Organisation’s policy

● Performing transaction scrutiny of the bank statements held by the applicant and ensuring we perform responsible lending obligations

● Communicating with the lender for seeking clarifications or provide commentary on their proposal or for requesting more documents or make amendments to the application

• Using letters of offer and supporting documents of corporate loans to undertake a comprehensive review of ANZ security items in line with Regulatory Reforms requirements.
• Critically assessing letters of offer and related files, and using problem solving techniques to workshop an outcome.
• Performing title searches and PPSR searches and communicating with frontline team to make any changes if required
• Managing risk and complying with ANZ policies.
• Maintaining a well managed position and driving file quality with average QA result sitting at 100%
• Building rapport and building relationships with a remote team
• Liasing with stakeholders and managing expectations whilst working towards a deadline.
• Use of Microsoft suite and ANZ systems

● Discuss possible loan products and options to meet needs and advise clients on risks and benefits of each option

● Collect and analyse client’s information to assess the eligibility for home loan

● Communicate with customers to request information and ensure completion of paperwork

● Provide support to brokers by ensuring the timely, judicious and accurate processing of mortgages

● Responsible for obtaining and preparing loan documents, credit documents needed to complete loan files.

● Maintained and updated records and files for processing of each loan

● Verify accuracy and completeness of each loan application and input information into the system

● Review loan application and documents for accuracy and completeness

● Perform Credit checks, Order valuations, review and verify documents required for loan process

● Ensure compliance with company policies, underwriting guidelines and lending-program

• Created user groups and configure workflows and assignment rules to enable proper routing of leads to the marketing members.
• Designed and deployed Custom tabs, validation rules, Approval Processes and Auto-Response Rules for automating business logic.
• Configured Profiles and Administrative permissions to grant/deny users access to platform features. Created Customized dashboards for the case team members to keep track of the cases assigned to them and to share insight across the company.
• Implemented pick lists, filed dependencies, lookups, master-detail relationships, validation and formula fields to the custom objects.
• Customized Marketing application to create a web to lead forms, Campaign to lead forms, assigning tasks, and managing workflows.
• Redesigned through customization and applications within salesforce.com, including the implementation of Solutions and Leads Training of salesforce.com globally for the Sales and Marketing Teams.
• Designed of a standardized Sales Process to be used by all team members in each service line and division based on Sales and Marketing preference and requirements. Create reports and dashboards for each geography within service lines based on necessary analytics.

• Entering Order, Sales and Purchase invoices
• Responsible for reviewing aged receivables and collection of debts by through e-mails & phone calls
• Responsible for reconciling aged payables and update the director with amounts owing to suppliers, as well as preparing vendor cheques based on his advice
• Managing inventory tasks such as arranging and organising inventory reports and assisting in making purchases on a daily basis
• Maintaining, filing and updating all the documents which included invoices, bank statements, remittance advice etc
• Reconciled accounts and reviewed all materials, including surplus, income, expense data, net worth and assets.
• Accurately documented all cash, credit, fixed assets, accrued expenses and line of credit transactions.
• Reviewed accounting structures and procedures on regular basis to identify areas in need of improvement.
• Tracked financial progress by creating quarterly and yearly balance sheets.