Christina Hoang
Mount Lawley,WA
Summary
I am a focused, hardworking, honest individual with a wealth of experience in lending and customer service. I can work alone or as part of a team, with excellent verbal and written communication skills in both English and Mandarin. I pride myself in being able to build a strong rapport with management, co-workers, and customers alike, with a very strong work ethic. I am a very loyal employee and was employed by the Commonwealth Bank for over nineteen years, until being made redundant due to business structural change.
Overview
19
19
years of professional experience
Work History
Senior Credit Underwriter (PCAA $3M)
Commonwealth Bank Of Australia, CBA
08.2018 - 12.2023
- Conducted comprehensive financial analysis to evaluate creditworthiness and risk exposure for complex lending.
- Interpreted complex financial documents for self-employed and entity structure customer and determine loan structures to achieve customer outcomes.
- Collaborated with cross-functional teams to develop financing solutions that to met unique borrower requirements.
- Provided guidance and support to stakeholders on credit risk-related matters, ensuring a smooth credit process to enhance the overall consumer lending experience.
- Supported team members by providing guidance on complex applications and sharing expertise.
- Participated in regular team meetings to share insights and provide recommendations on credit policy enhancements and risk mitigation strategies.
- Researched banking guidelines and statutory requirements to stay updated on new laws and applications.
- Demonstrated a high level of initiative and creativity while tackling difficult tasks.
Credit Underwriter (PCAA $2M)
Commonwealth Bank Of Australia, CBA
07.2008 - 07.2014
- Managed the end-to-end credit approval process for loan applications.
- Maintained up-to-date knowledge of market trends, allowing for informed decision making in evaluating applications.
- Adhered to all federal and state compliance guidelines relative to retail mortgage lending (NCCP, AML/CTF, KYC, Privacy Act)
- Conducted thorough financial analysis and risk assessment to determine creditworthiness.
- Assisted in structuring transactions to meet both customer needs and internal risk appetite guidelines.
- Communicated outcomes and decision-making rationale internally and externally.
- Optimized credit approval and condition processes, resulting in improvement of operational efficiencies.
Mortgage Loan Officer
Commonwealth Bank Of Australia, CBA
11.2006 - 07.2008
- Managed transfer of successful loan applications from underwriter approval, mortgage loan handling, and closing process; ensuring timely processing and completion.
- Monitored pipelines to track and log status of loans.
- Collaborated with underwriter to ensure accuracy and completeness of loan contract, reducing processing errors and expediting process.
- Collected and compiled paperwork such as title abstracts, insurance paperwork and valuation reports.
- Identified potential risks or discrepancies during the application process; promptly reported findings to underwriter for appropriate action.
Customer Service Specialist
Commonwealth Bank Of Australia, CBA
02.2005 - 01.2006
- Assisted customers with banking needs and inquiries.
- Handled customer concerns and resolved complaint promptly.
- Delivered exceptional customer service during high-volume periods, effectively managing wait times and workloads.
- Maintained high-level knowledge of bank policies, procedures, and regulations to ensure compliance in all transactions.
- Participated in team meetings and training sessions to stay informed about changes in bank products and services.
- Actively participated in cross-selling initiatives and referral programs.
- Facilitated problem-solving sessions between customers and internal departments, fostering positive outcomes across various banking scenarios.
Customer Service Representative
Commonwealth Bank Of Australia, CBA
09.2004 - 02.2005
- Processed wide variety of retail banking transactions for personal and commercial customers.
- Performed effectively in self-directed work environment, handled each transaction with high accuracy and according to bank standards and legal requirements.
- Maintained a balanced cash drawer with meticulous attention to detail, ensuring accuracy in all transactions, accounting for errors, and resolving discrepancies.
- Identified potential fraudulent activities and reporting suspicious activity to management.
- Developed rapport with customers through active listening skills, leading to higher retention rates and positive feedback.
- Increased sales of bank products by proactively identifying customer needs.
Education
Bachelor of Commerce - Banking And Electronic Commerce
Curtin University
Perth, WA02.2004
Skills
- Mortgage Underwriting
- Credit Risk Assessment and Mitigation
- Financial Statement Analysis
- Regulatory Compliance
- Collateral Evaluation
- Critical Thinking and Decision Making
- Analytical and Problem Solving
- Accuracy and Due Diligence
- Time Management and Prioritization
- Teamwork and Collaboration
- Communication and Negotiation
Additional Information
· Penny Woods (Senior Manager - Commonwealth Bank of Australia) 0466 447 630
· Tamsyn Smith (Team Manager - Commonwealth Bank of Australia) 0466 860 046
· Prajyot Agarwal (Credit Coach - Commonwealth Bank of Australia) 08 8114 7092
· Kathryne Skipp (Employment Coach - Edge Employment Solutions) 0404 873 314
Timeline
Senior Credit Underwriter (PCAA $3M)
Commonwealth Bank Of Australia, CBA
08.2018 - 12.2023
Credit Underwriter (PCAA $2M)
Commonwealth Bank Of Australia, CBA
07.2008 - 07.2014
Mortgage Loan Officer
Commonwealth Bank Of Australia, CBA
11.2006 - 07.2008
Customer Service Specialist
Commonwealth Bank Of Australia, CBA
02.2005 - 01.2006
Customer Service Representative
Commonwealth Bank Of Australia, CBA
09.2004 - 02.2005
Bachelor of Commerce - Banking And Electronic Commerce
Curtin University
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