Melody Huang

• Documented underwriting decisions and provided evidence of compliance with applicable regulations.
• Made approval and denial recommendations by determining accurate risk levels.
• Extra experience in DHOAS/FHLDS incentive policy and schemes
• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
• Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
• Examined credit reports, financial statements and tax returns to determine repayment capability.
• Determined and documented loan conditions and communicated requirements and decisions.
• Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
• Monitored market conditions and economic trends to identify and limit potential risks.
• Utilized knowledge of LMI insurance principles, policies and procedures to make decisions on risk assessment.
• Collaborated with other professionals to develop innovative underwriting solutions.
• Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
• Built strong relationships with frontline lenders for constructive communications. Provide Training on risk coaching, and assistance with loan submission and restructure
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Adhered to banking standards and government lending guidelines for loan services
• Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
• Conducted presentations to upper management and executive teams for loan recommendations. Working with policy exception and CEO submission.
• Collaborated with other teams to identify and mitigate risks impacting organization.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Attended ongoing professional training to facilitate accurate and productive credit management.

Accreditations:

• Delegated Lending Authority level 3

Achievements:

• Promoted to be main representative for credit system, HEM, and risk authority testing for new system roll out
• Promoted to be main representative for monitoring and generating policy exception report and provide monthly review outcome to upper management level
• Established and developed FHLDS scheme procedure and policy

• Manage large book of Client's portfolio and maintain 100% settlement
• Monitor and lead high quality culture of legal and ethical compliance.
• credit assessment experience and servicing calculator experience
• Monitor mortgage process and processing applications end to end.
• Thorough understanding of responsible lending, NCCP and Privacy Act
• Develop and maintain positive relationships, building trust and confidence with Mortgage Brokers by understanding their needs and by providing sound advice to maintain trust, confidence and repeat business.
• Dealing with valuers and panel valuers
• Promoting focus on customer centricity by ensuring that credit decisions are communicated in constructive manner with consideration of suggestions.
• Monitor escalation process and make sure timeline liaise with customer needs.
• Complete month-end closings and kept records audit-ready.
• Enhanced financial performance metrics by networking to create successful and sustainable relationships.
• Articulated growth objectives and operating plans.
• Managed contract administration, maintained files, validated codes and monitored reporting.
• Responsible together with settlement team for mortgage settlement process.
• Handle telephone enquiries from internal team or brokers regarding loan products and file changes Adhere to all credit policy, audit and compliance requirements to prevent exposure to unacceptable.
• Ensure that all credit applications are done within appropriate time frame risk
• "Troubleshooting" any issues regarding progress of loan and ensuring customer experience is seamless process completing Customer Certified Process within all applications.
• Maintain up to date knowledge of fraud trends and appropriate industry contacts
  

Achievements

Achieved 100% quality assurance result.

Achieved 100% compliance requirement result.

Achieved 100% customer satisfaction.

Strong positive feedback from brokers with solving their problems and enquires in the good time manner.

Strong positive feedback from field manager, credit manager and other team members.

• Establish relationships with key decision-makers within customer's organization to promote growth and retention.
• Achieve sales goals and service targets by cultivating and securing new customer relationships.
• Present products to clients using dynamic presentations and practical use-case scenarios.
• Represent company and promote products at conferences and trade association meetings.
• Monitor entire sales cycle across customer accounts, proposing and closing sales to achieve total revenue growth, profit, and customer satisfaction plans.
• Stay up to date on changing industry and product standards and trends related to accounts.
• Review accounts monthly to monitor and track customer satisfaction and complaints.
• Analyze past sales data and team performance to develop realistic sales goals.
• Negotiate, prepare, and sign contracts with clients.
• Identify and pursue valuable business opportunities to
  generate new company revenue and improve bottom line
  profit.
• Supervise performance of business development
  manager team to ensure that expected goals and
  company regulations are met.
• Product line and solution training to business
  development manager team
• Collaborate with company departments to develop new
  strategies to capitalize on emerging customer and market trends.
• Consulted with product development teams to enhance products based on customer interest data.
• Partnered with business teams and IT personnel to align project goals with business strategy and define project milestones.
• Constantly exceed monthly target by 10% since start of this new role
  

Achievements

Achieved 100% customer satisfaction.
Managed to convert online customer and telephone enquire leads into product application increased by 30%.

Able to resolve customer’s compliant in a single visit.

• America & Europe client relationship and marketing strategy, participates in developing and implementing strategic plan that supports organization's vision and goals.
• Managed book of business worth $2 million across 25 Customer portfolios.
• Closely work with clients and internal stakeholders across different cultures and time- zones.
• Participates in supporting leadership team in setting policies and determining strategies, to meet or exceed revenue, profit, and cash flow commitments to organization, including support to identify opportunities for new business creation.
• Developed and implemented performance improvement strategies and plans to promote continuous improvement.
• Support analyses of current and future industry trends and
  organizational needs.
• Participates in performance processes by establishing
  clear goals and expectations, tracking progress against goals, ensuring timely feedback, and addressing performance problems and issues promptly.
• Strong business knowledge and experience with ability to provide reports and analysis, develop and implement strategic plans.
• Skilled in planning, organizing, directing, and coordinating wide variety of activities.
• Optimize systems and processes to assist team, clients, and business to operate efficiently and support our business growth strategy.
• Built and strengthened relationships with new and existing accounts to drive revenue growth.
• Liaised between account holders and various departments.
• Identified customer needs and achieved service levels that met and exceeded expectations.
• Strengthened customer relationships with proactive and collaborative approach to managing needs.
• Developed process improvements to increase efficiency and productivity and presented to management for approval.
• Built and strengthened relationships with new and existing accounts to drive revenue growth.
• Drove new business development through qualifying leads, building relationships, and executing strategic sales.
• Addressed problems with accounting, billing, and service delivery to maintain and enhance client satisfaction.
• Provided account oversight, validating practices, and verifying contract compliance.
• Built and strengthened long-lasting client relationships based on accurate price quotes and customer-centric terms.

• Communicated corporate objectives across all divisions through regular correspondence and scheduled status updates.
• Cultivated and strengthened customer relationships through exceptional service and proactive follow-up.
• Managed CRM database, including troubleshooting, maintenance, updates and report generation.
• Provided administrative support, including processing purchase orders, service contracts and financial reports.
• Codified office structures and processes to promote teamwork and performance.
• Drafted informative reports regarding upcoming projects and required resources.
• Maintained accurate, current and compliant financial records by monitoring and addressing variances.
• Assessed personnel performance and implemented incentives and team-building events to boost morale.
• Helped colleagues with day-to-day work and complex problems by applying motivational and analytical strategies.
• Supported timely and accurate administrative task completion.
• Generated reports, uploaded documents into digital storage and prepared client case affidavits.
• Established positive working relationships with colleagues, manager and customers through regular communication and effective anticipation of needs.
• Produced timely and accurate financial and progress reports and submitted for consideration during key decision-making process.
• Applied proper codes to invoices, files and receipts to keep records organized and easily searchable.