HARITHA GAMLATHLAGE
BALWYN,VIC
Summary
Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought with a path towards being a loan writer.
Overview
9
9
years of professional experience
Work History
Credit Analyst
Mortgage Domayne Pty Ltd.
08.2023 - Current
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Assisted in maintaining a diversified portfolio through thoughtful selection of new customers based on rigorous credit analysis standards.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Developed customized financial models to assess borrower''s capacity, ensuring accurate credit evaluation.
- Facilitated knowledge sharing across the organization by providing training sessions and workshops on credit risk management best practices.
- Investigated and resolved customer disputes related to credit decisions.
- Streamlined the loan approval process for faster results by implementing an efficient credit scoring system.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Assessed credit risk and analyzed financial statements.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Enabled data-driven decision making by leveraging technology tools like Excel macros or specialized software for more accurate analyses.
- Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
- Gathered loan documentation for underwriting.
- Improved understanding of financial statements, which helped in assessing risk.
- Optimized risk-return profiles by applying advanced statistical models and stress testing methodologies during underwriting processes.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Complied with internal controls and government regulations.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Proven ability to develop and implement creative solutions to complex problems.
- Passionate about learning and committed to continual improvement.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Strengthened communication skills through regular interactions with others.
- Gained extensive knowledge in data entry, analysis and reporting.
- Managed time efficiently in order to complete all tasks within deadlines.
Settlement Officer
Lendi Group / Domain Home Loans
03.2022 - 04.2023
- Kept up-to-date on case progress by frequently reviewing records and reporting findings to clients.
- Complete understanding and experience using Apply Online, Next Gen and Salesforce.
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
- Fielded customer complaints and provided solutions.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Planned and dealt with payment schedules.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Reviewed over 150 financial statements per work week.
- Created strong working relationships with advisors, assistants and Lendi/DHL support staff.
- Reviewed mortgage documents for accuracy, which included title abstract and insurance forms.
- Pleasantly answered questions from customers, typically returning calls within 1 hour.
- Prepared all paperwork for loan package and arranged final closing meeting.
Loan Processor / File Manager
Loan Gallery Finance
03.2021 - 01.2022
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Looked over and approved various types of loans.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Coordinated closing process with attorneys, title companies and government clerks.
- Collaborated with stakeholders about extension, guarantees and charges.
- Collaborated with stakeholders to manage loan files and databases and prepare general correspondence.
- Issues reports for old and new loans based on field inspections of loan sites.
- Checked packages for appropriate documentation.
- Provided quick turnaround times to maintain fast-past schedule.
- Set up and completed loan submission packages.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Comprehensive understanding of Apply Online, NextGen and Salesforce.
- Actioned progress payments for construction loans
- Carried out servicing for a vast variety of banks including The Big 4 and other lenders.
- Well versed in credit requirements and other niche requirements from lender to lender.
Duty Manager /Auditor
Seasons Heritage
09.2019 - 03.2021
- Developed and implemented performance improvement strategies and plans to promote continuous improvement
- Developed team communications and information for meetings
- Devoted special emphasis to punctuality and worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork
- Prepared a variety of different written communications, reports and documents to ensure smooth operations
- Balanced hotel accounts and resolved discrepancies
- Set up and entered all financial data into spreadsheets using Microsoft Excel
- Performed nightly updates to room charges and rates
- Increased customer service ratings through personable service.
- Initiated plans to improve customer relations, quality standards and service efficiency.
- Handled employee-related issues to improve performance, professional conduct and attendance reliability.
- Responded to customer concerns by providing friendly, knowledgeable support and maintaining composure and professionalism.
Finance Intern
Forbes And Walker Pvt Ltd
09.2014 - 12.2014
- Collected and reported monthly expense variances and explanations
- Compiled financial reports pertaining to cash receipts, expenditures and profit and loss
- Provided timely actuals, forecast and budget data for IT and corporate management
- Reconstructed accounting records from clients' checks and cash receipts.
- Assisted with month-end closing processes and verified journal entries.
- Reviewed financial statements with staff accountants.
- Developed skills necessary to manage various organizational bank accounts.
- Monitored daily revenue, risk and working capital movements.
Education
Certification IV - Finance And Mortgage Brokering
The National Finance Institute
Melbourne, VIC01.2024
Bachelor of Commerce - Accounting
Deakin University
Melbourne, VIC03.2020
High schoool diploma - Accounting, Business, Economics and Mathematics
British School in Colombo
Sri Lanka2015
Skills
- Loan file auditing
- File and records management
- Processing loan applications
- Real Estate Loans
- Managing case files
- Managerial skills
- Loan evaluations
- Loan approvals
- Strategic planning and analysis
- Policy and procedure adherence (Compliance)
- Telephone etiquette
- Outstanding communication skills
- Salesforce
- Apply Online
- Oracle (Siebel)
- Lender Individual Credit Policies / Niches
- Credit decisions
- Industry standards
- Credit Scoring
- Debt structuring
- Report Analysis
- Financial Forecasting
- Information Verification
- Financial statement analysis
- Data Analysis
- Credit Reporting
Timeline
Credit Analyst
Mortgage Domayne Pty Ltd.
08.2023 - Current
Settlement Officer
Lendi Group / Domain Home Loans
03.2022 - 04.2023
Loan Processor / File Manager
Loan Gallery Finance
03.2021 - 01.2022
Duty Manager /Auditor
Seasons Heritage
09.2019 - 03.2021
Finance Intern
Forbes And Walker Pvt Ltd
09.2014 - 12.2014
Certification IV - Finance And Mortgage Brokering
The National Finance Institute
Bachelor of Commerce - Accounting
Deakin University
High schoool diploma - Accounting, Business, Economics and Mathematics
British School in Colombo
Similar Profiles
Mohamed Farhan RefaiMohamed Farhan Refai
HR Generalist at DOMAYNE SERVICES PTY LTDHR Generalist at DOMAYNE SERVICES PTY LTD
Kaidi ZhuKaidi Zhu
Mortgage Broker at CHENXI EDUCATION PTY LTD T/A REDSTONE MORTGAGE BROKERMortgage Broker at CHENXI EDUCATION PTY LTD T/A REDSTONE MORTGAGE BROKER
Jack LonerganJack Lonergan
Mortgage Broker Assistant at Success Mortgage Specialists Pty LtdMortgage Broker Assistant at Success Mortgage Specialists Pty Ltd