Jacob William Crawley
Campsie,NSW
Summary
Commercially minded Senior Mortgage Underwriter with significant background working with non prime, self employed, and credit impaired customers. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud.
Overview
9
9
years of professional experience
Work History
Senior Mortgage Underwriter
Bluestone Mortgages
Sydney, NSW
07.2021 - Current
- Spearheaded project to overhaul alt. Doc. accountant letter applications which has seen significant increases in acceptance of accountant letter income verification.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Checked personal and team calculations to validate information and underwriting decisions.
- Responsible for Credit Underwriting of Applications across Prime, Near Prime, Specialist, and Specialist + product suites - Involved specifically with servicing white label products with Connective Elevate and Mortgage Choice Amplify loans.
- Previously involved in User Acceptance Testing for SMSF lending, and currently part of our SMSF Lending team - Currently involved in projects to analyse and reduce TTU both across all lenders and specifically Connective Elevate products.
- Have worked alongside BDMs to assist with broker education by participating in Connective Elevate webinars and instructional videos for brokers.
Finance Operator/Assistant Manager
Cash Converters
Sydney, NSW
06.2017 - 07.2021
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Worked effectively in fast-paced environments.
- Worked well in team settings, providing support and guidance.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
- Cross-trained existing employees to maximize team agility and performance.
- Developed loyal and highly satisfied customer base through proactive management of team customer service strategies
- Supervised day-to-day operations to meet performance, quality and service expectations
Finance Broker
Infac
01.2014 - 06.2017
- Liaised with customers and funding sources to identify and remove roadblocks to business funding.
- Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
- Built and deepened productive relationships with prospective and competitive customers to drive sustained growth.
- Compiled and analyzed data to determine approaches to improve sales and performance.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product
- Developed advanced product knowledge to share current information while generating and delivering products quotes
Education
Master of Business Administration - Finance
Victoria University
Online Study07.2021
Advanced Diploma - Finance
Victoria University
Online Study02.2021
Bachelor Of Business - Financial Planning
Open Universities Australia - RMIT
Online Study2018
Skills
- Assessment of Alt Doc Applications
- Loan Evaluations
- Debt Determination
- Loan Restructuring
- Variance and Risk Analysis
- Mathematical Computation
- Credits/Economics Understanding
- Underwriting Regulations
- Fraud Prevention and Detection
- Problem-Solving Expertise
- Non-Prime Markets
- Key Performance Indicators (KPI)
Timeline
Senior Mortgage Underwriter
Bluestone Mortgages
07.2021 - Current
Finance Operator/Assistant Manager
Cash Converters
06.2017 - 07.2021
Finance Broker
Infac
01.2014 - 06.2017
Master of Business Administration - Finance
Victoria University
Advanced Diploma - Finance
Victoria University
Bachelor Of Business - Financial Planning
Open Universities Australia - RMIT
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