Joanne De Witt
Mudgeeraba
Summary
With a proven track record at the Mortgage Industry born out of my 20+ years in the industry, I excel in financial analysis and fostering client & broker relationships.
My extensive expertise in mortgage broking and credit assessment allows me to bring a wealth of knowledge to the industry. Skilled in navigating banking policies, I ensure seamless loan processing, demonstrating both analytical prowess and exceptional interpersonal skills.
As a life learner, I am consistently keen to broaden my skills to bring more knowledge to my tool kit. This y helps me to strengthen my position within the industry, whilst also being able to offer employers more.
Overview
12
12
years of professional experience
Work History
Credit Analyst
Mortgage Mart of Australia
06.2023 - Current
- Assess Home Loan Applications. SMSF, NDIS, Co Living Purchases and Refinances.
- Analyze customer data such as financials to determine level of risk involved for extending credit.
- Complete servicing calculators, credit reports, order valuations and instruct panel solicitors.
- Follow up outstanding requirements and outstanding information for applications to be submitted to Funders.
Mortgage Broker
Loan Market
04.2020 - 06.2023
- Complete client interviews and complete the process to confirm credit worthiness & provide my lender recommendations based on their requirements in line with NCCP.
- Manage loan pipelines efficiently to ensure retained clients and repeat business.
- Stay up-to-date on current market trends and regulatory changes, ensuring accurate advice and guidance for clients navigating the mortgage landscape & having all lending criteria up to date.
- Collaborate with different lenders to find best possible deal for homebuyers.
- Provide expert advise and service to my clients to ensure a smooth loan process for the borrower.
- Facilitated smooth communication between all parties involved in transactions, resulting in successful loan closings and satisfied clients.
Client Services Manager
Loan Market
04.2020 - 06.2021
- Completing the initial qualifying process of a clients potential loan application by assessing income, liabilities, & living expenses as well as servicing and packaging the application on behalf od the broker.
- Maintaining a great working knowledge of our 60+ lenders updated credit polices.
- Work with Lenders and Solicitors and ensure follow ups are completed so that SLAs are met and loans are processed for your clients efficiently.
- Build client relationships by responding to inquiries, identifying and assessing clients' needs, resolving problems, and following up with potential and existing clients.
- Collaborate with required teams to ensure timely delivery of projects, meeting or exceeding client expectations.
Home Finance Manager
Westpac
06.2015 - 04.2020
- Conduct Video conference meetings with new and existing Westpac clients regarding their Home Loan application.
- Assess credit worthiness, package and lodge mortgage applications to DLA holders with my recommendation for sign off.
- Spearheaded initiatives that optimized operational efficiency within the department.
- Increased loan application approvals by developing strong relationships with clients and providing personalized home loan guidance.
- Assisting to pilot the Home Finance Manager team being centrally located in Epping in Barangaroo NSW which was successful in taking HFM out of some branches and therefore cutting these overheads for the retail network of NSW & ACT.
Banking Advisor 2 - Home Loan Specialist
National Australia Bank
04.2014 - 06.2015
- Driving Home Loan and up sell additional product where required to ensure that customers as well as store targets are met.
- Assisting clients in branch and over the phone.
- Assisting the CA team with their day to day tasks as tellers.
- Stepping in to assist and support the Branch Manager with all managerial tasks and reporting where required.
- Taking personal responsibility for my sales targets being met & being proactive with my professional training & development.
- Enhanced customer satisfaction with proactive communication and follow-ups.
- Maintained regular contact with clients, fostering long-term account growth for the branch.
Customer Credit Representative
National Australia Bank
04.2013 - 04.2014
- Credit Assessment of Home Loan Application that are submitted from all Home Finance Managers in QLD.
- Supporting sales staff with lending scenarios where required.
- Enhanced customer credit experiences by efficiently processing applications and communicating decisions promptly.
- Managed a diverse portfolio of client accounts, balancing risk factors against growth opportunities for the organization.
- Maintained accuracy in data entry, ensuring prompt updates to customer accounts and minimizing errors.
Education
Diploma in Mortgage Broking Management
Broking Brisbane
06-2021
Skills
- Mortgage Broking
- Financials analysis
- Credit Assessment
- Data Analysis
- Underwriting
- High risk account reviews
- Loan documentation and policies
- Banking operations
Timeline
Credit Analyst
Mortgage Mart of Australia
06.2023 - Current
Mortgage Broker
Loan Market
04.2020 - 06.2023
Client Services Manager
Loan Market
04.2020 - 06.2021
Home Finance Manager
Westpac
06.2015 - 04.2020
Banking Advisor 2 - Home Loan Specialist
National Australia Bank
04.2014 - 06.2015
Customer Credit Representative
National Australia Bank
04.2013 - 04.2014
Diploma in Mortgage Broking Management
Broking Brisbane
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