Raewyn McCauley

• Fulltime working from home
• Assisting the Broker and customer point-of-contact for the Settlement side of the home loan application.
• Managing 100 files+ a month from Formal Approval to Settlement
• Responsible for training new starters
• Involved in Monthly process improvement projects
• Exposure to Internal Processes for approximately 40 Banks
• Proactive customer follow up, to confirm Loan docs are signed
• Customer follow up on all docs/items required by the Lender to complete certification
• Compliance training
• Liaison with Solicitor and Conveyances office to assist with settlement bookings
• Communicate with other Financial Institutions
• Document Verification
• Ad hoc duties
• Obtained and supplied information to coordinating agencies to provide best possible guidance to clients.
• Communicate with Lender Broker Support phone line

• Back to school
• Business Studies - Be your own boss

• Fulltime-Contract Role
• Collaborated with team leaders to define standards, policies and procedures to meet company revenue goals.
• Developed and implemented performance improvement strategies and plans to promote continuous improvement.
• Developed team communications and information for meetings.
• Carried out day-to-day duties accurately and efficiently.
• Resolved problems, improved operations and provided exceptional service.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Communicated with originator and applicant concerning progress of loan file.

• Fulltime-Contract Role
• Assist the customer with all relevant processes from Formal Approval to settlement
• Communicated with originator and applicant concerning progress of loan file.
• Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
• Coordinated closing process with attorneys, title companies and government clerks.
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Maintained compliance with privacy and security requirements, as well as federal statutes covering Mortgage loans.
• Reviewed and validated details of loan applications and closing documentation.
• Set up, stored and updated customer files, department records and regulatory paperwork.
• Reviewed loan files and updated to match current standards.
• Fielded customer complaints and provided solutions.
• Explained different types of loans pertaining to client situations.

• Fulltime
• Improved operations through consistent hard work and dedication.
• Prepared variety of different written communications, reports and documents.
• Worked with customers to understand needs and provide excellent service.
• Actively listened to customers' requests, confirming full understanding before addressing concerns.
• Proved successful working within tight deadlines and fast-paced atmosphere.
• Demonstrated respect, friendliness and willingness to help wherever needed.
• Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
• Maintained energy and enthusiasm in fast-paced environment.
• Evaluated approvals against established bank and government lending standards.
• Communicated with originator and applicant concerning progress of loan file.
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.

• Fulltime-Contract Role
• Set up and completed loan submission packages.
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Handled any conditions sent from underwriting departments.
• Communicated with originator and applicant concerning progress of loan file.
• Promoted company brand and unique offerings through personalized customer service.
• Resolved concerns with products or services to help with retention and drive sales.

• Fulltime-Contract role (Previously Perpetual Lenders Mortgage Services then amalgamated with First Legal)
• Lodgement of documents to Lands Title Office
• Average of 20 files per day
• Based on my last 1-on-1 with the Company, I averaged approximately 1,400 lodgements over a 4 month period with a success rate of 97%
• Follow up of Land Title requisitions until resolved
• Co-ordination of purchase and refinancing simultaneous Paper settlements held in different office locations.
• Printing of internal cheques
• Attend settlements, ensuring settlements are carried out successfully, efficiently and in a profession manner

Our Lenders had a zero failed settlement policy

• Average 20 booked settlements on a daily basis with settlements occurring between the hours of 2pm-4pm
• Recording information into internal database and document management systems 
• Experience with PEXA documentation
• Processing Production ticket requests with Lands Title Office
• Assisting the Settlement team with ad-hoc duties
• Follow up work-in-progress files

• Fulltime

Variations

• Accept, load and assess loan applications for Mortgage variations in all states seeking Mortgage Lender approval for the variance of the home loan inclusive of
• Debt consolidations
• Refinancing
• Sub divisions
• Construction loans
• Substitution of security
• Encumbrance, easement and land boundary applications
• 2nd Mortgage requests
• Verification of all loan and legal documents received from the customer nation-wide
• Liaison with parties involved to request outstanding documents Verify all LTO documents are correct for lodgement
• Verify all SRO documents are in order inclusive of First Home Owner and PPR forms
• Online calculation of Off-the-Plan declarations
• Calculate final payout figures and advise parties applicable
• Book and coordinate settlement bookings
• Instruct the Settlement Clerk of any special conditions applicable for the booking and collection of relevant documents
• Process Progress drawdowns for Construction loans
• Submit Lender advice to release Settlement funds
• Process escalated matters
• Liaison with Customers, Brokers, BDM’s, Incoming Lenders via phone, email and booked appointments to personally meet to discuss the matter
• Experience with FAST Refi applications
• Calculation of FAST Refi payout figures
• Accept phone enquiries transferred from the Call centre
• Process email and fax enquires within a timely manner

Full and Partial Discharges

• Accept instructions via the Broker channel
• Liaison with all parties applicable to the file
• Order Valuations
• Calculate initial partial payout figures required to discharge the property
• Calculate LVR (Loan Value Ration) to ensure the remaining loan amount is secured with suffice security with the remaining property
• Organise file order to submit for Credit Team approval
• Submit to LMI (Lender Mortgage Insure) for final approval upon the Credit Officer returning the file back to me
• Calculate initial full discharge payout figures
• Calculate FINAL payout figures to discharge the property and advise the customer’ office acting on their behalf of funds required to book the discharging settlement inclusive of
• Daily Interest applicable
• Early Repayment fees
• Mortgage Insure Rebate
• Book and coordinate Settlement
• Update internal systems
• Post Settlement checks
• Accept settlement funds via EFT
• Reduce loan balances or close if fully discharging
• Confirm funds deposited to Mortgage Redraw facilities
• Quality and Assurance Officer
• Confirm FINAL payout figures for partial and full discharges are correct prior to advising the parties involved
• Fax or email FINAL payout figures to acting parties

• Fulltime-Contract
• Accept, load and assess loan applications received from the member via fax and in person inclusive of

New Residential Mortgage loans

Personal loans

Car loans

Consolidation loans

Refinancing Residential Mortgage loans

Residential Investment Mortgage loans

• CRAA credit and employment check
• Process Valuations requests if required
• Submit the application for Management approval if outside designated loan approval
• Mortgage document preparation
• Book appointment to sign the loan documents within the office or post out as per customer instructions
• Instruct our Settlement agent to attend settlement to collect relevant documents if required for the loan
• Instruct our Settlement agent to lodge relevant documents with LPI
• Post Settlement follow ups
• Liaison with third parties if applicable
• Follow up work-in-progress files
• Teller experience
• Cash handling experience inclusive of withdrawals and deposits & term deposits
• Online Bill of Sale registrations, alterations and cancellations  Process Visa Debit applications
• Data entry and updating internal systems

• Fulltime
• Accept, load and assess loan applications received from the member via fax and in person inclusive of

New Residential Mortgage loansPersonal loansCar loansConsolidation loansRefinancing Residential Mortgage loansResidential Investment Mortgage loans

• CRAA credit and employment check
• Process Valuations requests if required
• Submit the application for Management approval if outside designated loan approval
• Mortgage document preparation
• Book appointment to sign the loan documents within the office or post out as per customer instructions
• Instruct our Settlement agent to attend settlement to collect relevant documents if required for the loan
• Instruct our Settlement agent to lodge relevant documents with LPI
• Post Settlement follow ups
• Liaison with third parties if applicable
• Follow up work-in-progress files
• Teller experience
• Cash handling experience inclusive of withdrawals and deposits & term deposits
• Online Bill of Sale registrations, alterations and cancellations  Process Visa Debit applications
• Data entry and updating internal systems

• Fulltime
• Built strong relationships with customers through positive attitude and attentive response.
• Mentored and guided employees to foster proper completion of assigned duties.
• Cross-trained and provided backup support for organizational leadership.
• Accept, load and assess loan applications received from the member via fax and in person inclusive of

New Residential Mortgage loans

Personal loans

Car loans

Consolidation loans

Refinancing Residential Mortgage loans

Residential Investment Mortgage loans

• CRAA credit and employment check
• Process Valuations requests if required
• Submit the application for Management approval if outside designated loan approval
• Mortgage document preparation
• Book appointment to sign the loan documents within the office or post out as per customer instructions
• Instruct our Settlement agent to attend settlement to collect relevant documents if required for the loan
• Instruct our Settlement agent to lodge relevant documents with LPI
• Post Settlement follow ups
• Liaison with third parties if applicable
• Follow up work-in-progress files
• Teller experience
• Cash handling experience inclusive of withdrawals and deposits & term deposits
• Online Bill of Sale registrations, alterations and cancellations  Process Visa Debit applications
• Data entry and updating internal systems