Monica NJOROGE
Blacktown,NSW
Summary
KEY STRENGTHS
Extensive experience as a Credit Analyst and a Client Liaison Officer. Working in some of Australia’s largest and profitable banks e.g. Macquarie and Commonwealth Banks. Excellent customer service, reliable, efficient and ready to go far and beyond point of call. Motivated, self-starter with sound analytical ability and strong attention to detail. Dedicated assistant property manager overseeing a wide range of daily operations for properties. In-depth knowledge of tenant, landlord and association laws. Resourceful problem solver with strong computer skills.
Overview
23
23
years of professional experience
Work History
Assistant Property Manager
Poterstouch Ent
06.2014 - 12.2022
- Overall financial and operational management of residential properties
- Overseeing maintenance, attracting new tenants through advertising, property viewings, negotiating and enforcing lease agreements
- Overseeing and arranging with contractors on repairs and general maintenance of the properties
- Key Achievements
- Developing exceptional client liaison and communication skills in dealing with clients of diverse nature e.g
- Gender, age, socioeconomic status etc.
Credit Variations Analyst
Commonwealth Bank
04.2011 - 01.2014
- Ensure compliance within delegated authorities including internal and external compliance/audit requirements
- Adherence to the guidelines established within my personal lending authority delegation
- Liaison with brokers, solicitors and borrowers to deliver consistently high quality of work in a timely manner
- Key achievements
- Exceptional KPI’s and audit results
Credit Manager
Unisys Credit Services, Rams Home Loans
09.2009 - 04.2011
- Credit Decisioning in principal increases, construction loans, partial discharges, substitution of security, loan restructure and consents
- Assessing loans for customers in hardship situations to achieve an outcome which is suitable to both the lender and the customers
- Assisted Relationship Managers to help resolve loan matters that had been forwarded to the Financial Ombudsman and achieve a positive outcome
- Excellent external and internal credit audits.
Variations Officer
Unisys Credit Services, Rams Home Loans
01.2009 - 08.2009
- Processing post-settlement loan variations e.g partial discharge release, security substitution, release of borrower, principal increases etc
- Processing loan agreements and liaising with brokers, solicitors and clients on the different processes and requirement for loan settlements
- Preparing and assessing partial discharges and/or substitution of security and processing payout figures.
Client Services Officer
Resimac Ltd
08.2008 - 10.2008
- Processing post-settlement originator and borrower loan administration enquiries and movement of funds
- Attend to redraw requests from borrowers and mortgage originators and processing the daily redraws and reports
- Update existing loan details and liaising with the customers directly or through their mortgage brokers.
Credit Analyst/Senior Associate
Macquarie Bank
11.2006 - 06.2008
- Key responsibilities
- Undertake the loan compliance and credit assessment of individual applications for finance (including Low/No doc, construction loans) and provide an approval or recommendation
- Assessing and approving post settlement mortgage variations e.g consent to 2nd mortgage, substitutions borrower deletion/addition, subdivisions etc
- Verification of details and authorisation/issue contracts, schedule letters and other related documents for the distribution to solicitors and customers
- Verification of data entry and documentation
- Resolving client and referred enquiries on loan products and credit decisions
- Key achievements
- Being a key member of the Virgin Home loans Credit Team
- Excellent credit audits.
Relationship/Credit Support Officer
Macquarie Bank
06.2006 - 10.2006
- Responsibilities
- Maintaining the relationship as the contact person between the
- Mortgage brokers, valuers, solicitors and credit analysts on their day-to-day work duties
- Reviewing and verifying mortgage support documents e.g variations, customer’s tax returns/financials etc
- Responding to emails and other correspondence and maintain a smooth workflow within the various teams
- Processing of loan contract and post settlement variations documentation
- Key achievements
- Loan approvals were completed within the organisations time frame and achieved the targets set
- Recognised for my excellent client relationship with the mortgage brokers and presented with a prize.
Compliance Office – Senior
Macquarie Bank
01.2004 - 05.2006
- Ensure timely service level standards and process quality is consistently delivered
- To recommend process improvements in order to increase service, quality and efficiency within settlements area and related processes with internal and external service partners
- Liaising with solicitors, mortgage brokers and home loan originators
- Authorising of settlement funds to solicitors for the finalisation of the settlement process
- Key achievements
- Ensured that all settlements are affected within the time frames and associated fees are processed with minimal errors
- Training of new staff and experienced staff as required maintaining a high skill level within the team
- Ensured the settlement process complies with National Credit Code and Macquarie guidelines.
Settlement Officer
Macquarie Bank
04.2001 - 12.2003
- Responsibilities
- Checking and processing loan documents prior to entering cheque disbursements for settlements
- Crosschecking fees and charges disclosed on loan contracts meet the
- Consumer Credit Code
- Making follow-up calls to solicitors, loan consultants and borrowers for documents not received prior to settlement to avoid any delay
- Making sure all settlements are completed within the appointed time frame
- Key achievement
- Settlement process and funds disbursements completed within 24 hours of receiving solicitor’s certification on when settlement is to occur
- Following up with the solicitors to confirm settlement has occurred and has been finalised.
Client Services and Discharge
Macquarie Bank
09.1999 - 03.2001
- Complete all areas of the loan discharge process from receiving the request and calculating payout figures
- Liaising with the Credit Risk department for accounts in contractual arrears or in litigation
- Liaising with solicitors and trustee and authorising the trustee to proceed with releasing client’s security documents
- Key achievements
- Made sure payout figures are provided on time even on short notice
- Continue to maintain a professional relationship with the customers discharging their loans
Education
Post-graduate Certificate - Applied Finance
University of Western
Sydney
Certificate in Fraud Awareness Training program by Genworth Financial Accreditation in Anti-Money laundering and Counter Terrorism - undefined
CTF Training in Security Fraud, Anti-bribery and corruption (Commonwealth Bank - undefined
Certificate III in Mortgage Lending - undefined
TAFE NSW
2002
Diploma - Business Studies
TAFE NSW) Sydney Institute of
Technology Ultimo
1998
Skills
* Problem solving skills
* Patience and good listener and emotional intelligence ( not take things personally)
* Ability to keep calm under difficult situations
* Clear communication skills both written and verbally
Ability to use positive language
* Time management skills
* Show empathy
Timeline
Assistant Property Manager
Poterstouch Ent
06.2014 - 12.2022
Credit Variations Analyst
Commonwealth Bank
04.2011 - 01.2014
Credit Manager
Unisys Credit Services, Rams Home Loans
09.2009 - 04.2011
Variations Officer
Unisys Credit Services, Rams Home Loans
01.2009 - 08.2009
Client Services Officer
Resimac Ltd
08.2008 - 10.2008
Credit Analyst/Senior Associate
Macquarie Bank
11.2006 - 06.2008
Relationship/Credit Support Officer
Macquarie Bank
06.2006 - 10.2006
Compliance Office – Senior
Macquarie Bank
01.2004 - 05.2006
Settlement Officer
Macquarie Bank
04.2001 - 12.2003
Client Services and Discharge
Macquarie Bank
09.1999 - 03.2001
Post-graduate Certificate - Applied Finance
University of Western
Sydney
Certificate in Fraud Awareness Training program by Genworth Financial Accreditation in Anti-Money laundering and Counter Terrorism - undefined
CTF Training in Security Fraud, Anti-bribery and corruption (Commonwealth Bank - undefined
Certificate III in Mortgage Lending - undefined
TAFE NSW
Diploma - Business Studies
TAFE NSW) Sydney Institute of
Technology Ultimo
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