Eliza Smart
Launceston
Summary
I'm an experienced Credit Analyst with a strong background in loan structuring, credit assessment and client relationship management.
I bring a high level of attention to detail, strong analytical skills and a genuine focus on achieving great outcomes for clients!
Overview
10
10
years of professional experience
Work History
Senior Credit Analyst
Up Loans
05.2021 - Current
- Manage end-to-end applications, from initial client meetings through to settlement, with a strong focus on understanding each client’s goals and financial position.
- Assess client affordability and credit profiles while ensuring all applications meet policy, compliance, and responsible lending requirements.
- Match clients with the most suitable loan products, providing clear recommendations and maintaining a strong client experience throughout the process.
- Work closely with lenders and BDMs to negotiate approvals, resolve exceptions, and secure the best possible outcomes for clients.
- Support and guide team members, sharing knowledge and helping them develop confidence and accuracy in their roles.
Conveyancing Clerk
El Conveyancing
12.2015 - 05.2021
- Coordinated property transactions, ensuring compliance with legal requirements and timelines.
- Managed client communications, providing updates and addressing inquiries promptly.
- Prepared and reviewed legal documents for accuracy and completeness in conveyancing processes.
- Assisted in conducting title searches to verify property ownership and identify potential issues.
Customer Service Representative
Bunnings Warehouse
05.2015 - 05.2016
Education
High School Diploma -
St Patrick's College
Launceston, TASSkills
- Strong analytical thinking and attention to detail
- Skilled in structuring complex loan scenarios (trusts, self-employed, PAYG combinations, multiple properties uncrossed etc)
- Experienced in servicing calculations, loan placement, and product comparison
- Proficient in Apply Online (AOL), lender portals, and CRM systems
- Able to interpret financial documents
- Thorough knowledge of BID and responsible lending obligations
- Excellent communication and relationship-building skills
- Comfortable leading client consultations and explaining complex lending options in plain terms
- Proven ability to manage large client volumes with consistent service quality
- Skilled in workshopping challenging loan scenarios to find practical, policy-aligned solutions
- Highly organised and efficient under pressure
- Approachable, professional and dedicated to delivering great client outcomes
Timeline
Senior Credit Analyst
Up Loans
05.2021 - Current
Conveyancing Clerk
El Conveyancing
12.2015 - 05.2021
Customer Service Representative
Bunnings Warehouse
05.2015 - 05.2016
High School Diploma -
St Patrick's College
Top 5 Finalist – LMG CSM of the Year 2024
I was honoured to be nominated for Client Service Manager of the Year with LMG in 2024. LMG is Australia’s largest aggregator, with hundreds and hundreds of support staff and CSMs across the country. Being recognised in that way meant a lot, it affirmed that the hard work I put into everything I do is noticed not just by my immediate team but on a national stage!