Miao CHENG
Paddington
Summary
Talented Lending Specialist bringing more than 6 years of experience in lending field. Skilled at working with borrowers, realtors and title companies to facilitate smooth closing processes. Expert in collaboration and multitasking. Energetic individual well-trained in performance management and loan processing oversight.
Overview
8
8
years of professional experience
Work History
Mortgage Broker
Miao & Co Financial Group Pty Ltd
07.2022 - Current
- Explained different types of loans pertaining to client situations.
- Worked with banks and non-bank lender to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
- Assessed clients' financial data to determine loan suitability.
- Collaborated with different lenders to find best possible deal for homebuyers.
- Mentored other mortgage brokers in methods to help each land new clientele.
- Explained entire mortgage loan process to borrower.
- Established strong relationships with borrowers, which helped to forge new business opportunities.
Property Developer
Miao & Co Homes Pty Ltd
10.2022 - Current
- Performed site investigations to determine developmental requirements.
- Performed feasibility analysis to evaluate potential development sites.
- Valued residential real estate investment opportunities to determine property values.
- Collaborated with construction administration consultants to schedule field observations.
- Oversaw annual budget to handle supply, labor and maintenance needs.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Collaborated with contractors, architects, engineers and public agencies to complete projects within timeline limitations and budget constraints.
Residential Home Builder
Miao & Co Pty Ltd
04.2022 - Current
- Enhanced customer satisfaction by consistently delivering high-quality homes on time and within budget.
- Managed all aspects of residential construction projects, effectively coordinating with subcontractors, architects, and clients to ensure smooth progress.
- Improved overall project efficiency by implementing proper scheduling techniques and closely monitoring construction timelines.
- Completed thorough site inspections to guarantee adherence to safety regulations and building codes, minimizing potential risks and delays.
- Developed strong relationships with vendors and suppliers, negotiating favorable pricing for materials while maintaining quality standards.
- Collaborated with design teams to create custom home plans that catered to client preferences, resulting in increased sales revenues.
- Maintained open communication with clients throughout the building process, addressing concerns promptly and fostering trust in our services.
- Implemented cost-saving measures during construction phases without compromising structural integrity or aesthetic appeal of homes.
- Ensured timely completion of projects by proactively identifying potential roadblocks and adjusting schedules accordingly.
- Supervised construction crews efficiently, providing guidance when necessary to maintain a productive work environment.
Wholesaler
Foodyfoody Pty Ltd
01.2021 - Current
- Increased sales revenue by establishing strong relationships with key clients and providing exceptional customer service.
- Expanded customer base through targeted marketing strategies and attending industry events.
- Negotiated contracts for better pricing, resulting in increased profit margins.
- Collaborated with manufacturers to ensure timely delivery of products and meet client expectations.
- Implemented inventory management systems to reduce stock discrepancies and improve warehouse efficiency.
- Enhanced customer satisfaction by providing personalized service and product recommendations.
- Assisted in boosting sales through strategic merchandise displays and promotional activities.
Project Manager
OZ Design Build Pty Ltd
07.2022 - 02.2024
- Developed and initiated projects, managed costs, and monitored performance.
- Orchestrated projects within strict timeframes and budget constraints by solving complex problems and working closely with senior leaders.
- Fostered relationships with vendors to promote positive working relationships.
- Provided management for internal personnel, contractors and vendors.
- Collaborated with contractors, architects, engineers and public agencies to complete projects within timeline limitations and budget constraints.
- Monitored subcontractor operations and applied effective time, resource and money management strategies to delivery under-budget project completion.
- Verified completed projects met approved time, quality and cost estimates.
- Surveyed sites to determine material needs and accurately manage inventories and budgets.
- Communicated daily with vendors to keep project fully operational.
- Managed homebuilding construction through all phases to coordinate delivery of quality homes meeting both company and customer expectations.
- Delegated assignments based on plans, project needs and knowledge of individual team members.
Mobile Lending Manager
St George Bank
10.2020 - 01.2022
- Ranked National Top 1 Lending Manager 2021
- Achieved more than $300m loan settlement in 2021
- Served customers in friendly, efficient manner following outlined steps of service.
- Maintain relationships with referrers and help their customer's financial needs.
- Carried out day-day-day duties accurately and efficiently.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Explained different types of loans pertaining to client situations.
- Fielded customer complaints and provided solutions.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Holding Delegation Risk Authority for approval loans under $5m ( PAYG)
Banking Advisor
National Australia Bank
02.2020 - 09.2020
- Evaluated client financial positions and identified most appropriate banking products
- Networked with realtors and current clients to generate referrals
- Located and pre-qualified customers for mortgages
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information
- Reviewed and edited loan agreements to promote efficiency and accuracy
- Developed and maintained relationships with local real estate agents
- Successfully closed average of 10 loans per month
Lending Manager
Streamline Capital Group Pty Ltd
06.2019 - 02.2020
- Skilled in proactively exploring potential home loan needs and opportunities from customers always follow up turn the opportunities into loan application and settlement
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases
- Collaborated with different lenders to find best possible deal for homebuyers
- Assessed clients' financial data to determine loan suitability
- Evaluated borrower financial information, including pay stubs and credit history to determine loan possibility
- Explained entire mortgage loan process, including payment terms to borrower
- Established strong relationships with borrowers, which helped to forge new business opportunities
- Developed and maintained relationships with local real estate agents
Lending Consultant
United Home Loans Pty Ltd
05.2018 - 06.2019
- Well trained mortgage broker, meet target every month
- Originated, reviewed, processed, closed and administered customer loan proposals
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information
- Recommended loan approvals and denials based on customer loan application reviews
- Oversaw operations of mortgage lending office, including sales, processing, underwriting, and closing services
- Assessed clients' financial data to determine loan suitability
- Receiving documents from clients, packing and lodge with Bank
Assistant Accountant
WL SOLUTIONS PTY LTD
07.2017 - 08.2018
- Maintained and processed invoices, deposits and money logs.
- Compiled general ledger entries on short schedule with nearly 100% accuracy.
- Resolved financial and tax issues and maximized customer satisfaction scores.
- Used accounting software to issue tax returns and prepare consolidated reports.
- Completion of Individual Tax Returns
- Completion of BAS and Income Tax Returns for business entities
- Liaising with ATO on taxation matters
- Assistance with administration duties
Store Manager
Hi Panda Pty Ltd
03.2016 - 02.2018
- Communicated with suppliers to negotiate best pricing on apparel and accessories.
- Enthusiastically serving over 500 customers per day.
- Scheduled and led weekly store meetings for all employees to discuss sales promotions and new inventory while providing platform for all to voice concerns.
- Evaluated suppliers to assess quality, timeliness and compliance of deliveries, maintain tight cost controls and maximize business operational efficiency.
- Established and administered annual budget with effective controls to prevent overages, minimize burn rate and support sustainability objectives.
- Communicated product value, quality and style to educate and entice potential customers.
- Organized and stocked merchandise to keep necessary levels for sales demand.
Education
Master of Property And Development -
University of New South Wales
Sydney, NSW04.2025
Master of Marketing - Marketing
University of Newcastle
Sydney2019
Bachelor of Commerce - Accounting
University of Newcastle
Callaghan, NSW2017
Certificate IV - Certificate IV in Mortgage Broking
Mentor Education
Sydney, NSWCertificate IV - Certificate IV in Building And Construction
Monash Education
Burwood, NSWSkills
- Loan processing knowledge
- Delegation Risk Authority Holder ( $5M)
- Business development expertise
- Sales professional
- Relationship building and management
- Accounting operations professional
- Risk assessment
- Problem-solving
- Strong banking ethics
- Financial analysis aptitude
- Operating Aircraft
- Construction Administration
- Building Systems and Services
- Property Marketing
Communication and Language Skills
Language:
Mandarin: Native Speaker
English: Fluent Speaker
- Strong ability to engage with customers, active listening, strong interpersonal and communication skills with patience, initiative and passion, always good at finding and targeting the core needs of customer.
- Willing to take responsibilities, always have positive attitude to find solutions when helping customer with their needs.
- Strong team work ability, willing to help other team members when needed, strong adaptability in different work environment.
- Always following up with customers to make sure all needs are properly meet.
Reference
Tara Azimi
Brranch Manager
National Bank Australia Hurstville Branch
Mob: 0416 450 234
James Huang
Managing Director
Streamline Capital Group Pty Ltd
Mob: 0448 466 660
Timeline
Property Developer
Miao & Co Homes Pty Ltd
10.2022 - Current
Mortgage Broker
Miao & Co Financial Group Pty Ltd
07.2022 - Current
Project Manager
OZ Design Build Pty Ltd
07.2022 - 02.2024
Residential Home Builder
Miao & Co Pty Ltd
04.2022 - Current
Wholesaler
Foodyfoody Pty Ltd
01.2021 - Current
Mobile Lending Manager
St George Bank
10.2020 - 01.2022
Banking Advisor
National Australia Bank
02.2020 - 09.2020
Lending Manager
Streamline Capital Group Pty Ltd
06.2019 - 02.2020
Lending Consultant
United Home Loans Pty Ltd
05.2018 - 06.2019
Assistant Accountant
WL SOLUTIONS PTY LTD
07.2017 - 08.2018
Store Manager
Hi Panda Pty Ltd
03.2016 - 02.2018
Master of Property And Development -
University of New South Wales
Master of Marketing - Marketing
University of Newcastle
Bachelor of Commerce - Accounting
University of Newcastle
Certificate IV - Certificate IV in Mortgage Broking
Mentor Education
Certificate IV - Certificate IV in Building And Construction
Monash Education
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