Cristina Ma
West Pennant Hills
Summary
Dedicated credit assessment professional with extensive experience in the end-to-end mortgage process and a strong commitment to delivering exceptional customer service. Currently hold DLA accreditation for both PAYG and self-employed applicants. Seeking to build a long-term career in the banking industry by leveraging strong analytical skills, deep knowledge of lending practices, and a proven ability to provide accurate, responsible credit decisions.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Credit Officer
BC Investment Management/Mortgageport
01.2019 - Current
- Held DLA $1,000,000 for PAYG and self-employed (Mortgageport).
- Previously held DLA of $750k for Adelaide and Bendigo Bank, and Brighten Home Loan.
- Recommending approval for a wide range of complex mortgage applications, including non-resident, self-employed, non-conforming, construction, low doc, commercial, and SMSF, etc.
- Familiar with all three-panel lenders' products and policies (Adelaide and Bendigo Bank, Mortgageport Home Loans, and BC Invest).
- Liaising with other stakeholders (BDMs, mortgage managers, brokers, valuers, and solicitors) and maintaining strong relationships.
- Analyzed financial documents and credit reports, ensuring compliance with underwriting standards.
- Developed risk assessment strategies to mitigate potential defaults in loan portfolios.
- Streamlined application review procedures, enhancing processing efficiency and accuracy.
Credit Verification Officer
Mortgageport
06.2018 - 12.2018
- Reviewed and verified mortgage applications for accuracy and compliance with regulatory standards.
- Conducted thorough background checks, including credit history and employment verification for applicants.
- Implemented process improvements that enhanced operational efficiency in loan verification workflows.
- Liaising with brokers from time to time
Operation Supervisor
N1 Loans
04.2015 - 05.2018
- Implemented process improvements resulting in reduced turnaround time for loan approvals
- Handling the loan application process includes data entry, collecting required documents, discussing with the BDM if necessary, and troubleshooting any issues that may occur with the application.
- Covert company cold and warm leads.
- Manage the client base and workflow to meet different requirements from all parties.
- Assist team members to achieve the best job quality.
- Set up working procedures and train new staff appropriately.
- Maintain a long-term relationship with existing clients.
- Achieved Best Administrator in the Better Business Awards Finalist 2015.
Operation Associate
N1 Loans
01.2013 - 03.2015
- Streamlined daily operations to enhance efficiency and reduce processing time for customer applications.
- Assist brokers with their daily tasks.
- Assist brokers with clients' inquiries and requirements. Handle loan processing from lodgment to settlement.
Education
Bachelor of Commerce - Finance And Accounting
University of New South Wales
Sydney, New South Wales, NSW11-2012
Skills
- Mortgage credit assessment
- Relationship Management
- Analytical skills
- Microsoft Office (word, excel & Power point)
- Fluent English and Mandarin
- Communication skills
Certification
Certificate IV in Financial Services (Finance/Mortgage Broking)
Timeline
Credit Officer
BC Investment Management/Mortgageport
01.2019 - Current
Credit Verification Officer
Mortgageport
06.2018 - 12.2018
Operation Supervisor
N1 Loans
04.2015 - 05.2018
Operation Associate
N1 Loans
01.2013 - 03.2015
Bachelor of Commerce - Finance And Accounting
University of New South Wales