Summary
Overview
Work History
Education
Skills
Certification
Referees
Timeline
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Joey Ho

Credit Assessor
Melbourne

Summary

Experienced Credit Assessor and Lending Coach

Detail-oriented team player with strong analytical skills. Able to manage complex lending scenarios with a high degree of quality and efficiency. Highly committed to Continuous Improvements in Mortgage Operations.

Overview

4
4
years of professional experience
8
8
years of post-secondary education
2
2
Certifications

Work History

Credit Assessor

Westpac Group
12.2021 - Current
  • Utilized strong analytical and critical thinking skills to assess simple and complex lending structures, including Self-Employed assessment
  • Oversaw the ongoing learning and development for 3 Third-party Credit Assessor teams as a Lending Coach & Subject Matter Expert.
  • Spearheaded Melbourne's Mortgage Operations Knowledge Share forum, providing Assessors with proactive coaching and development.
  • Led Assessor One Best Way Training as a Capability Manager, facilitating process simplification and standardisation.
  • Provided invaluable insights to Title Search Automation project as a Subject Matter Expert under LEAN Six Sigma framework.

Associate Credit Assessor

Westpac Group
07.2021 - 12.2021
  • Verified 1st Party lender Mortgage applications and ensured strict adherence to Consumer Credit Policy.
  • Utilised problem-solving skills in creating solutions for complex lending scenarios while maintaining adherence to audit and compliance requirements.
  • Actively provided support and communication with lenders to generate favorable outcomes for all stakeholders.
  • Consistently achieved superior productivity and quality metrics within team.

Customer Service Advisor

Bank of Melbourne
04.2020 - 07.2021
  • Effectively performed consumer banking transactions, proactively identifying needs and recommending appropriate products and services
  • Exceeded individual targets across a broad range of personal banking and lending needs with consistent adherence to compliance.
  • Reviewed consumer lending through proficient use of internal systems; providing tailored solutions and sustainable lending retention
  • Delighted customers through delivery of superior customer experience, driving customer advocacy, deepened relationships and successful banking integration.

Education

Bachelor of International Business -

Monash University
Melbourne, VIC
03.2018 - 08.2020

Peking University 北京大学
Beijing
02.2019 - 05.2019

Victorian Certificate of Education (VCE) -

Caroline Chisholm Catholic College
Braybrook, VIC
02.2012 - 05.2017

Skills

Microsoft Office Excel

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Certification

LEAN Six Sigma White Belt

Referees

Jacob Trimboli

Team Leader - Westpac Group

0466 456 191


Robert Gay

Team Leader - Westpac Group

0439 663 904


Mahazarin Amalsadiwala

Business Development Manager - Westpac Group

0435 339 567

Timeline

LEAN Six Sigma White Belt

01-2024

Credit Assessor

Westpac Group
12.2021 - Current

Associate Credit Assessor

Westpac Group
07.2021 - 12.2021

Customer Service Advisor

Bank of Melbourne
04.2020 - 07.2021

Peking University 北京大学
02.2019 - 05.2019

Google Ads Grant Online Marketing Challenge - Distinction

09-2018

Bachelor of International Business -

Monash University
03.2018 - 08.2020

Victorian Certificate of Education (VCE) -

Caroline Chisholm Catholic College
02.2012 - 05.2017

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Joey HoCredit Assessor