Francis Lee
Melbourne,VIC
Summary
Experienced Lending & Relationship Specialist | Mortgage Underwriting | Client-Focused Financial Solutions
Client-focused banking professional with over 5 years of experience across major financial institutions including NAB, BOQ, and CUA. Proven track record in delivering high value lending outcomes, managing complex credit structures up to $15M, and building lasting relationships with brokers and clients. Holds a $2M DCA and recognized as a top-performing analyst. Passionate about helping customers achieve financial goals through tailored, end-to-end service.
Overview
12
12
years of professional experience
Work History
Mortgage Credit Underwriter
National Australian Bank
11.2021 - Current
- Manage and assess complex consumer lending applications including Trusts, Companies, Self-Employed, and Bridged Loans.
- Hold Delegated Credit Authority (DCA) of $2M; regularly process high value deals up to $15M.
- Maintain strong broker relationships, delivering end-to-end support and timely updates via NABONE, ApplyOnline, and internal systems.
- Recognized by brokers as 'most wanted credit analyst' and awarded for team collaboration and approachability.
- Achieved all quarterly targets; supported loan variations, top-ups, and complex lending structures.
Broker Application analyst
Bank of Queensland (BOQ)
01.2021 - 11.2021
- End-to-end loan processing for PAYG and non-PAYG clients.
- Liaised directly with brokers to verify documentation and expedite approvals.
- Delivered tailored lending outcomes to match client objectives.
Home Loan specialist support/ Customer service specialist
Credit Union Australia (CUA)
01.2020 - 01.2021
- Supported home loan specialists in loan preparation and customer onboarding.
- Handled inbound customer inquiries and exceeded KPIs in credit cards and personal loan sales.
- Engaged in local area business development to generate leads and referrals.
Customer Service Hub Insurance Sales & Retention specialist
Woolworths Limited
10.2013 - 01.2020
- Supervising handling of complaints
- Preparing and organising a general insurance policy
- Working with other teams such as service and tuff (retention) team to improvement, liaison team and operations
- Experience in cold/warm calling sales
Education
Bachelor of Business - Management
Swinburne University
Certificate IV in Finance & Mortgage Broking -
Mentor Education
Career Qualified in Banking Certificate -
FINSIA
RG146 Accreditation -
Kaplan Professional
Skills
High-Value Lending ($15M including Bridging & Trust Structures)
Relationship Management & Client Retention
Financial Health Checks & Lending Solutions
Broker & Stakeholder Engagement
Credit Assessment (PAYG & Non-PAYG)
Use of Equifax, CoreLogic, ApplyOnline, NABONE, CRM
Cross-Functional Collaboration (Credit, Risk, Sales)
Languages
- English, fluent
- Korean, fluent
Timeline
Mortgage Credit Underwriter
National Australian Bank
11.2021 - Current
Broker Application analyst
Bank of Queensland (BOQ)
01.2021 - 11.2021
Home Loan specialist support/ Customer service specialist
Credit Union Australia (CUA)
01.2020 - 01.2021
Customer Service Hub Insurance Sales & Retention specialist
Woolworths Limited
10.2013 - 01.2020
Bachelor of Business - Management
Swinburne University
Certificate IV in Finance & Mortgage Broking -
Mentor Education
Career Qualified in Banking Certificate -
FINSIA
RG146 Accreditation -
Kaplan Professional
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