Erin Percat
Adelaide,Australia
Summary
Qualified Mortgage Broker with over 9 years of experience in finance and lending, including 3+ years at MyBudget Loans. Expertise in creating tailored lending solutions that enhance financial wellbeing for clients. Proficient in risk assessment, financial analysis, and regulatory compliance, ensuring accurate loan processing. Strong negotiation and problem-solving skills facilitate successful outcomes in complex lending scenarios.
Overview
15
15
years of professional experience
Work History
Senior Lending Specialist
My Budget Loans
Adelaide, South Australia
02.2021 - Current
- Manage a diverse portfolio of lending clients, specialising in both prime and non-conforming residential loans.
- Provided guidance on the selection of loan products best suited for clients' needs.
- Prepared documents for closing process and monitored progress throughout transaction.
- Assisted clients in completing paperwork required for loan application process.
- Researched competitors' offerings and developed strategies for differentiating services from other brokers and lenders.
- Ensured compliance with state and federal laws governing mortgage lending operations.
- Provided assistance in resolving issues arising during processing or closing stages of a loan transaction.
- Created and maintained relationships with clients to ensure successful loan transactions.
- Verified accuracy of all documentation prior to submission to underwriting department.
- Participated in marketing events such as open houses or trade shows to increase visibility in the community.
- Developed strategies to maximize customer satisfaction while minimizing risk associated with loan origination activities.
- Identified potential risks associated with mortgage transactions and took appropriate action to mitigate those risks.
- Performed regular follow-ups on loan applications in order to meet deadlines.
- Communicated effectively with clients regarding details of their loans and kept them informed about status of their applications.
- Reviewed existing policies, procedures and regulations related to mortgage lending industry.
- Reviewed financial data, pay stubs and credit history for borrowers to ascertain loan qualification.
Lending Administrator
My Budget Loans
Adelaide, South Australia
02.2021 - 09.2021
- Supported the broking team in preparing loan files, gathering documentation, and maintaining compliance.
- Communicated directly with lenders to facilitate loan processing and resolve queries.
- Reviewed and verified financial documentation including payslips, bank statements, and identification.
- Answered incoming calls and responded to customer inquiries.
- Ensured that all paperwork was completed accurately before submission deadlines.
- Processed loan applications according to established procedures and guidelines.
- Assisted Mortgage Brokers in setting up appointments with potential clients.
- Answered customer inquiries regarding mortgage products, services and application status.
- Provided administrative support to the Mortgage Broker by completing paperwork and filing documents.
- Reviewed credit reports, appraisals, title documents and other financial information for accuracy.
Money Coach
My Budget
Adelaide, South Australia
01.2019 - 02.2021
- De-escalated problematic customer concerns, maintaining calm, friendly demeanor.
- Fielded customer complaints and queries, fast-tracking them for problem resolution.
- Uphold quality control policies and procedures to increase customer satisfaction.
- Provided outstanding service to new and long-standing customers by attending closely to concerns and developing solutions.
- Created and implemented process improvements to maximize efficiency.
Customer Service Representative
My Budget
Adelaide, South Australia
05.2016 - 01.2019
- Assisted customers with making payments or establishing payment plans to bring accounts current.
- Provided outstanding service to new and long-standing customers by attending closely to concerns and developing solutions.
- Answered incoming telephone calls to provide store, products and services information.
- Explained benefits, features and recommendations to maximize client retention.
- Exceeded company productivity standards on consistent basis.
Pharmacy Assistant
Priceline Pharmacy
Adelaide, South Australia
01.2013 - 05.2016
- Supported dispensing process, stock management, and customer service within a fast-paced pharmacy.
- Trained new pharmacy staff in procedures and customer service standards.
- Verified accuracy of medication orders and entered data into pharmacy system.
- Processed payments from customers using cash registers and debit and credit card terminals.
- Prepared labels for prescriptions and dispensed medications to patients.
Front Desk Receptionist
360 Private
Adelaide, South Australia
01.2010 - 01.2013
- Answered telephones and greeted visitors to assist, answer questions and direct.
- Ordered front office supplies and kept inventory of stock.
- Updated appointment calendars and scheduled meetings and appointments as requested by management team.
- Completed basic bookkeeping and document filing.
- Scheduled meetings and meeting rooms for staff, corporate partners and customers.
- Checked figures, postings and documents for correct entry, mathematical accuracy and proper codes.
- Prepared and reviewed monthly financial statements.
Education
Diploma of Finance and Mortgage Broking Management -
AAMC Training Group
Adelaide, South Australia04.2025
Aggregator
Outsource Financial Member
11-2023
Cert IV in Finance and Mortgage Broking - Finance
AAMC Training Group
Adelaide, South Australia05.2021
Sales Representative Registration - CPP41419
Real Estate Training Academy
Adelaide, South Australia01.2012
High School Diploma -
Sacred Heart Senior College
Adelaide, South Australia12.2009
Full Membership -
FBAA
Adelaide, South AustraliaSkills
- Residential & Non-Conforming Lending
- Loan Structuring & Assessment
- Customer Service Excellence
- Financial Needs Analysis
- Conflict Management & Resolution
- Verbal & Written Communication
- Time Management & Prioritisation
- Loan Documentation & Compliance
- CRM & Database Software (eg Sales Trekker, Salesforce)
- Budgeting & Financial Literacy
- File Organisation & Recordkeeping
- Team Collaboration & Stakeholder Liaison
References
- Katie Frith, MyBudget Loans, 0430 708 993
- Charl Fourie, MyBudget Loans, 0416 598 308
Timeline
Senior Lending Specialist
My Budget Loans
02.2021 - Current
Lending Administrator
My Budget Loans
02.2021 - 09.2021
Money Coach
My Budget
01.2019 - 02.2021
Customer Service Representative
My Budget
05.2016 - 01.2019
Pharmacy Assistant
Priceline Pharmacy
01.2013 - 05.2016
Front Desk Receptionist
360 Private
01.2010 - 01.2013
Diploma of Finance and Mortgage Broking Management -
AAMC Training Group
Aggregator
Outsource Financial Member
Cert IV in Finance and Mortgage Broking - Finance
AAMC Training Group
Sales Representative Registration - CPP41419
Real Estate Training Academy
High School Diploma -
Sacred Heart Senior College
Full Membership -
FBAA
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