Ramandeep Mehmi
Summary
Accomplished Home Lending Specialist from Westpac New Zealand, adept in loan processing and customer service, significantly exceeded monthly lending targets. Demonstrated expertise in credit risk evaluation and fostering client relationships, ensuring high satisfaction and retention rates. Proven track record in enhancing loan application approvals through meticulous documentation review and financial analysis.
Overview
11
11
years of professional experience
Work History
Banking Advisor
NAB
Melbourne, VIC
11.2023 - Current
- Respond to and resolve broker enquiries and keeping brokers informed of the status of their lending applications through to resolution.
- Providing effective education and information regarding home lending and title discharge process to brokers.
- Liaise with internal and external teams for additional information to resole specific lending or title discharge enquiries.
- Developed strong rapport with clientele through active listening skills and empathetic understanding of their financial concerns.
- Enhanced customer experience by addressing inquiries, resolving issues, and providing prompt assistance.
Home Lending Specialist
Westpac New Zealand
Christchurch, New Zealand
09.2021 - 10.2023
- Educated clients on various lending products available, helping them make informed decisions that best suited their financial goals.
- Collaborated with underwriting team to ensure adherence to lending guidelines while maintaining client confidentiality throughout the process.
- Resolved customer complaints promptly and professionally, resulting in increased satisfaction rates among borrowers.
- Developed strong relationships with clients, fostering trust and loyalty to maintain a high retention rate of satisfied customers.
- Exceeded monthly lending targets consistently, demonstrating strong sales acumen and commitment to organizational objectives.
- Enhanced loan application approval rates by conducting thorough credit analyses and evaluating borrower''s financial status.
- Assisted colleagues in managing complex loan applications, expediting processing time and ensuring timely approvals.
Floor Manager / Proprietor / Sales Person
Harvey Norman
New Zealand
02.2013 - 08.2021
- Worked as a Sales person, Floor Manager, 2IC and Proprietor in various stores through out my carrier at Harvey Norman.
- Developed and implemented floor plans and layouts to maximize customer satisfaction and sales.
- Managed team of 10 employees to maintain smooth-running operations of shop floor.
- Managed store inventory and stock levels to maintain availability of products.
- Oversaw employee performance, corrected problems, and increased efficiency to maintain productivity targets.
- Made personal recommendations for customers by sharing product knowledge and demonstrating product.
- Coached employees and trained on methods for handling various aspects of sales, complicated issues, and difficult customers.
Education
Post Graduate Diploma - Applied Management
Southern Institute of Technology
New Zealand 09.2025
Diploma - Business Management And Marketing
Going Places Education
Christchurch, New Zealand11.2010
Bachelor of Computer Application -
DAV College
Punjab, India03.2009
Skills
- Loan Processing
- Banking Software Proficiency
- Credit risk evaluation
- Business Prospecting
- Documentation Review
- Loan Origination
- Loan Servicing
- Customer Service
- Collateral Evaluation
- Attention to Detail
- Sales acumen
- Debt Restructuring
Languages
English
Full Professional
Punjabi
Native or Bilingual
Hindi
Native or Bilingual
Timeline
Banking Advisor
NAB
11.2023 - Current
Home Lending Specialist
Westpac New Zealand
09.2021 - 10.2023
Floor Manager / Proprietor / Sales Person
Harvey Norman
02.2013 - 08.2021
Post Graduate Diploma - Applied Management
Southern Institute of Technology
Diploma - Business Management And Marketing
Going Places Education
Bachelor of Computer Application -
DAV College