Bronwyn Bruchez
Coes Creek
Summary
Experienced with loan processing, credit analysis, and customer service. Utilizes strong analytical skills to evaluate creditworthiness and approve loans in line with company policies. Knowledge of financial regulations and customer needs ensures effective lending solutions.
Overview
10
10
years of professional experience
Work History
Lending Specialist
Heritage Bank
09.2024 - Current
- Educated clients on various loan products available, helping them make informed decisions that best suited their financial goals.
- Collaborated with credit team to ensure adherence to lending guidelines while ensuring the clients best interests.
- Developed strong relationships with clients, fostering trust and loyalty to maintain a high retention rate of satisfied customers.
- Assisted clients with a variety of lending, property purchases, loan increases and construction or bridging finance.
- Mentored new staff, ensuring a high level of compliance, attention to detail and efficiency.
2IC and Senior Finance Broker
Journey Finance
12.2021 - 08.2024
- Provided clear communication throughout the loan process, keeping clients informed every step of the way.
- Attended networking events to establish industry connections and promote brand awareness.
- maintained up-to-date knowledge of industry trends and regulations, ensuring compliance at all times.
- Mentored junior brokers, imparting valuable knowledge and skills to improve the overall team performance.
- Conducted comprehensive financial analyses to identify optimal lending options for clients' unique needs.
Mortgage Broker
Formula One Finance
07.2021 - 12.2021
- Liaising with BDM's and credit analysts to ensure a timely assessment and settlement.
- Ensured exceptional customer service by maintaining consistent communication throughout the entire loan origination process.
- Completed savings plans for clients not yet ready to enter the market.
- Managed pipelines efficiently, promptly addressing any issues or concerns that arose during the mortgage process.
- Collaborated with different lenders to find the best possible deal for homebuyers.
- Explained the entire mortgage process to the client, from application through to assessment and settlement.
- Assessed clients' financial data to determine loan suitability.
- Assisted clients in understanding complex mortgage terms and conditions, empowering them to make informed decisions about their home financing options.
Mortgage Broker
Fox Home Loans
03.2021 - 07.2021
- Sound understanding of Best Interest Interest Duty legislation.
- Developed strong relationships with clients.
- 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 the borrowers' financial status.
Senior Finance Broker
Fox Finance Group
08.2019 - 03.2021
- Offering lender options in a timely manner, ensuring all client requests are met.
- Updating clients throughout the loan process.
- Liaising with analysts and BDM's to ensure a timely and effective process for the client.
- Maintaining positive relationships with BDM's, analysts and settlement officers.
- Continuously updating knowledge of lender guidelines by attending CPD meetings and training.
- Completing savings plans and borrowing capacity checks for clients who aren't yet eligible to purchase.
- Maintaining a high level of organisation and efficiency by planning out the day, prioritizing urgent tasks.
Personal Banking Advisor
Westpac Banking Corporation
04.2015 - 08.2019
- Interacting with clients from all walks of life.
- Consistently meetings targets and maintaining knowledge of changing procedures within the corporation.
- Completing reports and administration tasks such as balancing ATM's and managing general ledgers accounts.
- Assigned as the branch compliance champion and assisted other staff members to adhere to the company policies.
- Meeting company KPI's for lending and insurance sales.
Education
RG146 Tier II Compliance
Heritage Bank
Sunshine Coast, QLD10-2024
Certificate IV in Finance
My Finance Education Network Group
Online11-2020
Diploma in Mortgage Broking
My Finance Education Network Group
11-2020
Certificate III in Finance
Westpac Banking Corporation
Sunshine Coast, QLD07-2015
Skills
- Loan structuring
- Strong communication skills
- Attention to detail
- Client management
- Credit analysis
Accomplishments
Awarded High Performance Certificate with People's First Bank for settlements in January 2025.
Timeline
Lending Specialist
Heritage Bank
09.2024 - Current
2IC and Senior Finance Broker
Journey Finance
12.2021 - 08.2024
Mortgage Broker
Formula One Finance
07.2021 - 12.2021
Mortgage Broker
Fox Home Loans
03.2021 - 07.2021
Senior Finance Broker
Fox Finance Group
08.2019 - 03.2021
Personal Banking Advisor
Westpac Banking Corporation
04.2015 - 08.2019
RG146 Tier II Compliance
Heritage Bank
Certificate IV in Finance
My Finance Education Network Group
Diploma in Mortgage Broking
My Finance Education Network Group
Certificate III in Finance
Westpac Banking Corporation
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