Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Asif Vohra

Adelaide,SA

Summary

Dynamic Mortgage Broker with proven success at Sharia Finance, excelling in business development and regulatory compliance. Expert in data analysis and risk assessment, I have secured significant contracts and negotiated favorable terms for clients. My strong communication skills and attention to detail drive exceptional customer service and enhance client relationships.

Overview

12
12
years of professional experience

Work History

Mortgage Broker

Sharia Finance
08.2024 - Current
  • Developed new business and secured recurring contracts from clients.
  • Liaised with lenders on complex loan structures, including construction and SMSF deals.
  • Ensured compliance with bank policies through meticulous attention to detail.
  • Negotiated discounted rates with key lenders and BDM for client benefit.
  • Established networking and referral systems to expand client base.
  • Researched mortgage market to identify optimal loan options for clients.
  • Provided pre-qualification letters and supported clients throughout loan application process.
  • Built strong relationships with lenders through prompt service and expert advice.

Broker Home Loan Delivery Consultant

People First Bank
02.2024 - 08.2024
  • Guiding customers through the home loan application process, providing expert advice and assistance at every stage.
  • Ensuring compliance with all relevant regulations and policies governing home loan lending.
  • Collaborating with internal teams to streamline processes and enhance the customer experience.
  • Conducting thorough assessments of customer financial situations to determine eligibility for home loans.
  • Communicating effectively with customers to address queries, resolve issues, and provide regular updates on the status of their applications.
  • Working closely with lenders and other stakeholders to expedite the approval and settlement of home loans.
  • Providing ongoing support to customers post-settlement, including assisting with any loan variations or refinancing needs.
  • Maintaining accurate records and documentation related to home loan applications and transactions.

Credit Assessor

Westpac Banking Corporation
01.2023 - 01.2024
  • Assessing all loan applications within Westpac policy and Home Lending Tools.
  • Making recommendations to Credit Managers regarding loan applications outside of lending authority.
  • Ordering property valuations and review for suitability when received, Conducting title searches.
  • Educating the Broker regarding the submission of complex deals.
  • Valuing the 5C of credit and policy.
  • Completing the DVA and Accredited with Westpac compliance and Policy.
  • Accredited with PAYG, Self-employed and complex Deals.
  • Sharing detailed knowledge of the system (One Bank Platform).
  • Telephonic Communication with BDM and other managers.
  • Liaising with Brokers and providing good customer service.
  • Sharing the knowledge of settlements, document preparation, and Credit assessing together in completing the Deal successfully.
  • Reviewing Liabilities including mortgage, credit cards, Personal loan, HECS, and overdrafts.
  • Assessing the Pay slip of Applicants to determine Income and deductions.
  • Performing Valex, Dye & Durham title search, running Company and directorship search.
  • Helping team members as expert advice.
  • Coaching new teams and providing training support.

Assistance Mortgage Broker (Part-time)

Ezee Loan Solution Pty Ltd
01.2022 - 01.2023
  • Marketing of services to lenders and real estate agents.
  • Acquiring new clients and assessing their needs according to their financial information.
  • Acting as a go-between for lenders and borrowers needing mortgage loans.
  • Assisting clients with pre-approval on loans.
  • Analysing and comparing different home loan options available to the client.
  • Developing relationships with real estate companies and lending institutions.
  • Ensuring compliance with banking and financial legislation on the state and federal levels.
  • Educating clients on their legal and financial options and ensuring that they understand them.
  • Helping clients complete and understand all the necessary paperwork.
  • Use tools to capture customer feedback, and take action to correct any service breaks and drive improvement.
  • Attend regular coaching sessions to develop your lending knowledge and skills, and coach your colleagues on best practice.
  • Make relevant suggestions to your customers based on the home-buying goals they have set.
  • Build your brand and network in the local community to enhance your credibility.
  • Develop business by building and maintaining internal and external referral sources, and seeking external referrals from existing customers.

Settlement Officer

Westpac Banking Corporation
09.2020 - 01.2023
  • Strong knowledge of WBG Loan Products.
  • Experienced in (OBP) One Banking Platform and (GOE) Legacy.
  • Experienced in E-settlements, Digital Settlement through PEXA.
  • Liaising with Broker and Home Finance Managers to fulfill requirements.
  • Liaising with Other financial institutions regarding settlements.
  • Settling Purchase, Equity Lone, Personal Loan, Refinances and External refinances.
  • Knowledge of consumer credit policy.
  • Data-driven Judgment & Decision Making.
  • Settlement Risk Assessment & Decision Making.
  • Document Processing & Verification of Financial and Personal Details.
  • Recognized with GEM for Quality work and Multitasking.
  • Communicating with Broker and HFM via Email and calls.
  • Assessing files and outstanding requirements for quick settlement.
  • Supporting and training new team members in OBP.
  • Debt Cancellation Internal and External.
  • Product Knowledge and clear understanding of Processes of in-house brand such as Bank SA, St George, Bank of Melbourne, BT finance.
  • Data-driven Judgment & Decision Making.
  • Working on Banking Applications GOE, CIS, DCMS, OBP, Valex, Dye &Durham.
  • Understanding and verifying FHOG (First Home Ownership Grant).

Public Tax Accountant

H&R Block
Adelaide, Australia
07.2020 - 10.2020
  • Company Overview: Tax Accountant
  • Online ATO Portal Access and communication with ATO.
  • Educating Clients about their Tax Obligations and Deductions.
  • Prepared individual, Trust, Company, and Partnership Tax Returns.
  • Preparing Business Activity Statements (BAS).
  • Medicare Levy and Medicare Levy Surcharge applicability (including applying Medicare levy entitlement certificate for client).
  • Managing client’s database and data entry for all the businesses.
  • Responsible for all the administrative work, office duties and managing client’s relationship.
  • Facilitate the development of office operational manuals.
  • Business processes and delivered strategic recommendations to senior.
  • Tax Accountant

Collection Officer

RecoveriesCorp
Melbourne, Australia
05.2019 - 08.2019
  • Assist taxpayers in financial difficulty, including offering solutions such as deferred payments, partial payment plans, or settlement options where applicable.
  • Negotiate repayment arrangements based on the taxpayer’s financial circumstances, while ensuring compliance with legal requirements.
  • Escalate cases as necessary for further review or legal action in more complex situations. Strong communication skills for a better solution.
  • Monitor and manage outstanding tax liabilities by identifying and prioritizing cases requiring action.
  • Initiate and follow up on collection actions such as phone calls, letters, and issuing formal notices to taxpayers.
  • Assess and manage payment arrangements for taxpayers who are unable to pay in full and negotiate suitable payment plans.
  • Determine appropriate actions to collect debts, including garnishments, legal actions, and other enforcement measures.
  • Update and maintain case files using ATO systems to record all relevant communication, agreements, and actions taken.
  • Monitor and report on the status of collections efforts, including providing feedback to supervisors and managers about challenges, successes, and ongoing issues.
  • Utilize data analytics to identify trends in debt recovery and report on performance metrics.
  • Work closely with other teams within the ATO, such as compliance, legal, and dispute resolution teams, to ensure a cohesive approach to debt collection.
  • Provide support to other areas of the ATO in relation to debt recovery and compliance processes as needed.

Graduate Assistant Accountant

Web-site hub
Melbourne, Australia
03.2018 - 03.2019
  • Assist in the implementation of internal controls to ensure the integrity of financial records and compliance with regulations.
  • Support external audits by providing necessary documentation and reports to auditors.
  • Ensure proper documentation of financial transactions and supporting records in case of audits or reviews.
  • Conduct variance analysis to compare actual performance with budgeted figures and explain significant discrepancies.
  • Assist in cost analysis to identify opportunities for cost reduction and efficiency improvements within the organization.
  • Provide financial insights to senior management to support business decisions.
  • Assist with the preparation of tax returns, ensuring that the organization is compliant with local tax laws and regulations (e.g., GST, Income Tax, Capital Gains Tax).
  • Ensure timely filing of taxes and assist in tax audits as needed.
  • Stay updated on changes in tax regulations and support compliance with any new requirements.
  • Process and manage accounts payable by ensuring all supplier invoices are entered, approved, and paid on time.
  • Monitor accounts receivable to ensure timely collection of outstanding invoices, and follow up with customers for overdue payments.
  • Ensure proper documentation for all transactions, including receipts, purchase orders, and contracts, to maintain compliance.

Customer Service and Administrator

Precision Enterprise
Melbourne, Australia
01.2015 - 07.2016
  • Identified areas for improvement in policies, procedures, and business processes and delivered strategic recommendations to senior management on key issues.
  • Facilitated development of office operations manual; trained new administrative personnel.
  • Administer banking, deposits, account registry, payroll, and distribution of employee checks.
  • Strong communication skills with sales.
  • Sales with referrals and cold calling.
  • Face-face customer solution with an expert solution to the subject.
  • Managing team providing support.

Telstra Sales Executive

Smart Group
Melbourne, Australia
07.2013 - 01.2016
  • Proven experience in both sales and customer support roles, with a demonstrated ability to drive sales and provide exceptional service to customers.
  • Ability to understand and effectively communicate complex business and technical concepts to both customers and team members.
  • Excellent verbal and written communication skills, with the ability to interact effectively with a diverse range of customers.
  • Strong interpersonal skills for building relationships and handling customer concerns.
  • High attention to detail in both customer interactions and administrative tasks, ensuring accuracy and efficiency.
  • Demonstrates a strong sense of teamwork, reliability, and accountability in a fast-paced environment.

Education

Google Cybersecurity Professional Certificate -

12.2024

FBAA Member & AFCA Member -

12.2024

Cert IV -

Finance and Mortgage Broking
12.2021

H&R Block Australia Income Tax Preparation Course Certificate -

12.2020

Masters - Business Administration

Holmes Institute
Melbourne
12.2017

Masters - Accounting

Holmes Institute
Melbourne
12.2016

Bachelor of Science -

S.P. University
India
12.2011

Skills

  • Data analysis
  • Regulatory compliance
  • Risk assessment
  • Business development
  • Customer service
  • Financial reporting
  • Effective communication
  • Attention to detail
  • Skilled in Microsoft, OBP, Salesforce
  • Customer service and support
  • Thorough risk assessment

References

Available on request

Timeline

Mortgage Broker

Sharia Finance
08.2024 - Current

Broker Home Loan Delivery Consultant

People First Bank
02.2024 - 08.2024

Credit Assessor

Westpac Banking Corporation
01.2023 - 01.2024

Assistance Mortgage Broker (Part-time)

Ezee Loan Solution Pty Ltd
01.2022 - 01.2023

Settlement Officer

Westpac Banking Corporation
09.2020 - 01.2023

Public Tax Accountant

H&R Block
07.2020 - 10.2020

Collection Officer

RecoveriesCorp
05.2019 - 08.2019

Graduate Assistant Accountant

Web-site hub
03.2018 - 03.2019

Customer Service and Administrator

Precision Enterprise
01.2015 - 07.2016

Telstra Sales Executive

Smart Group
07.2013 - 01.2016

Google Cybersecurity Professional Certificate -

FBAA Member & AFCA Member -

Cert IV -

Finance and Mortgage Broking

H&R Block Australia Income Tax Preparation Course Certificate -

Masters - Business Administration

Holmes Institute

Masters - Accounting

Holmes Institute

Bachelor of Science -

S.P. University

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Asif Vohra