Gagandeep Singh
Summary
Talented Home Lender with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
4
4
years of professional experience
Work History
Home Lending Specialist
NAB
01.2023 - Current
- Writing New Home Loan Applications, Assessing customer's current lending, and restructuring it when required, Retentions and Interest only switches, Refinancing and New lending applications
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Home Loan Specialist
Commonwealth Bank
03.2021 - 01.2023
- Working with clients to prepare applications for loans by compiling, arranging, and reviewing all relevant documents
- Determining the feasibility of granting loans and communicating with management if required
- Processing advances and disbursements, as well as preparing pay off letters
- Working closely with loan officers to obtain credit information, coordinate closings, calculate closing costs, and disperse funds for clients
- Ensuring loans are processed as per established company procedures and policies
- Providing assistance in maintaining various credit files and following up on client inquiries
- Assisting administrative staff with periodic audits
- Assisting members with predominantly home loan enquiries and conducting needs analysis to ensure finding them suitable products that meet their needs
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Customer Service Agent
Civica
09.2019 - 01.2021
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
- Responded to customer calls and emails to answer questions about products and services.
- Demonstrated high attention to detail, organization and management of multiple tasks and projects simultaneously.
- Evaluated customer information to explore issues, develop potential solutions, and maintain high-quality service.
Education
Master of Science - Mechanical Engineering
Edith Cowan University
Perth, WA05.2018
Graduate Diploma - Environmental Engineering
Queensland University of Technology
Brisbane, QLD02.2016
Skills
- Product Education
- Automated Underwriting System (AUS)
- Credit File Updating
- Property Evaluation
- Loan Processing Coordination
- Customer Relations
- Loan Feasibility Assessment
- Income Evaluation
- Credit History Review
- Creditworthiness Determination
- Expense Tracking
- Policy Implementation
Languages
Hindi
Native or Bilingual
Punjabi
Native or Bilingual
English
Native or Bilingual
Timeline
Home Lending Specialist
NAB
01.2023 - Current
Home Loan Specialist
Commonwealth Bank
03.2021 - 01.2023
Customer Service Agent
Civica
09.2019 - 01.2021
Master of Science - Mechanical Engineering
Edith Cowan University
Graduate Diploma - Environmental Engineering
Queensland University of Technology
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