Summary
Overview
Work History
Education
Skills
Certification
References
Timeline
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Madeline Caldicott

4 Ryde Street, Gawler West,SA

Summary

Experienced complex credit assessor with 4+ successful years at Westpac, specialising in loan processing and banking operations. Highly skilled in working well with people of all backgrounds to complete loan approvals. Dedicated to building loyalty and trust between the bank and the customer. I bring a hardworking and upbeat attitude, both within the team structure and as a brand ambassador. Seeking an opportunity to gain further skills and knowledge, with the potential to grow.

Overview

10
10
years of professional experience
1
1
Certification

Work History

Credit Assessor

Westpac
Lockleys, SA
10.2020 - Current
  • Efficiently assessing third-party home loan applications using various platforms and systems.
  • Long-standing member of the complex PAYG team, with a wide skill base and knowledge of loan structures ranging from bridging, merged, concurrent, guarantor, construction, mortgage insured, home guarantee scheme, fast-track self-employed, to internal and external refinances, as well as property and vacant land-only purchases.
  • Maintaining running relationships with mortgage brokers throughout the loan assessment process. Providing support through restructuring loan products when required, actioning escalations to ensure settlement is met, and advising on policy requirements when required.
  • High trust and reliability when dealing with sensitive information.
  • Collaborating with other departments to deliver customer outcomes.
  • Complex customer complaint investigations, including policy breaches and records access.
  • Leading the team in the absence of the team manager, completing duties such as leading team meetings, reporting to the Senior Operations Manager with team results, planning workload and time management, and supporting the team with mortgage operations expectations.
  • Maintaining current professional knowledge of policy, procedures, and lending standards.
  • Willing to engage with others and work as a team to solve problems.
  • Providing support as the One Best Way Champion and Knowledge Share.

Creditor Clerk

Harvey Norman
Tweed Heads, NSW
10.2017 - 07.2020
  • Daily processing of supplier invoices for store stock (proficient in all departments).
  • Chasing up credit claims to obtain credits from suppliers.
  • Answering phone on switch board, resolving issues in my control, directing customer queries to the appropriate person.
  • Executing monthly theoretical stocktakes, as well as processing paperwork for actual stocktakes.
  • Completing banking duties in the absence of Debtor Clerk.
  • Batching finance payments (interest free customer sales).
  • Interacting with visitors to the office and assisting them with queries.
  • Assisting Administration Manager with general office duties.
  • Training new team members with a supportive attitude.
  • Positive communications with suppliers for; invoice discrepancies, general queries, stock short shipments.
  • (full-time)

Cashier

Harvey Norman Electrical
Tweed Heads, NSW
11.2016 - 10.2017
  • Processing payments, til balancing and end of day til clearance.
  • Crediting and assessing faulty products, resulting in positive outcomes.
  • Welcoming, directing and assisting customers.
  • Reconciling discrepancies on invoices.
  • Dealing directly with manufacturers and service agents on behalf of company and customers.
  • Affectively communicating with various stakeholders (customers, staff and suppliers).
  • (full-time)

Stylist/ Sales Associate

Lovisa Pty Ltd
Tweed Heads, NSW
08.2016 - 12.2016
  • Exceeding sales and add-on KPI’s.
  • Styling and advising customers of latest trends with suitable products.
  • Opening, running and closing of store independently.
  • Processing and cashiering of sales, daily til balance and banking.
  • Merchandising of new displays and refilling core stock ranges.
  • Processing refunds and exchanges.
  • (part-time)

Set Supervisor

Scene to Believe
Bundaberg, QLD
11.2015 - 12.2015
  • Meeting and exceeding daily/ seasonal KPI’s with notable achievement of 7K over target.
  • Upselling to larger photo packs and additional merchandise.
  • Supervision and management of sales and photographic staff.
  • Instructed and trained my team in the use of photography equipment, and POS systems.
  • Maintained the upkeep of photography and printing equipment.
  • Cash handling, till reconciling and banking.
  • Put through exchanges and refunds.
  • Customer complaint resolution, generating positive experiences.
  • Liaising with technical support to resolve issues regarding POS/ printers.
  • Provided excellent customer service to make sure the Scene to Believe brand was only thought with positive feedback.
  • (Full-time, Seasonal)

Education

High School Diploma -

Shalom Catholic College
Bundaberg, QLD
11-2013

Certificate II - Tourism

Bundaberg TAFE
Bundaberg, QLD
11-2013

Certificate I - Kitchen Operations

Bundaberg TAFE
Bundaberg, QLD
11-2013

Skills

  • Training and management of a small team
  • Exceptional customer service
  • Performing in high KPI environments
  • Teamwork and collaboration
  • Strong communication skills
  • Policy compliance
  • Training and mentoring
  • Relationship building

Certification

  • Queensland Certificate of Education – Shalom Catholic College, Bundaberg 2013.
  • Certificate II Tourism – Bundaberg TAFE, Bundaberg 2013.
  • Certificate I Kitchen Operations – Bundaberg TAFE, Bundaberg 2013.

References

  • Liam Quinn, Team Manager, 0413 965 503, Westpac
  • Sarah Symonds, Manager, 0439 181 914, Harvey Norman Admin, Tweed Heads

Timeline

Credit Assessor

Westpac
10.2020 - Current

Creditor Clerk

Harvey Norman
10.2017 - 07.2020

Cashier

Harvey Norman Electrical
11.2016 - 10.2017

Stylist/ Sales Associate

Lovisa Pty Ltd
08.2016 - 12.2016

Set Supervisor

Scene to Believe
11.2015 - 12.2015

High School Diploma -

Shalom Catholic College

Certificate II - Tourism

Bundaberg TAFE

Certificate I - Kitchen Operations

Bundaberg TAFE

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Madeline Caldicott