Rebecca Mitchell
Marsden Park,NSW
Summary
Organized Mortgage Broker with 16 years of experience in Mortgage Broking as well as 30 years overall finance experience. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase business revenue and cement loyalty.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Senior Residential Mortgage Broker - Contract Role
Bespoke Financial Advisory
08.2023 - 11.2023
- Explained entire mortgage loan process to borrower.
- Evaluated borrower financial information, pay stubs and credit history to determine loan possibility.
- Assessed clients' financial data to determine loan suitability.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Monitored portfolio performance and provided clients with periodic updates on loan progress.
Associate Mortgage Broker - Contract Role
SFP Financial Pty Limited
05.2023 - 07.2023
- Collaborated with different lenders to find best possible deal for homebuyers.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Processed loan applications and monitored progress from start to finish.
Head Finance Specialist - Contract Role
Sami L Home Loans
11.2022 - 05.2023
- Prepared and submitted responses to requests and requirements of auditors, regulators and investors.
- Identified process issues and made recommendations for improvement or correction.
- Contacted customers to immediately find resolutions for escalated issues.
- Introduced software tools and process improvements to mitigate loss and drive operational growth.
- Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
Mortgage Broker & Director
Mpowered Finance
06.2022 - 11.2022
- Evaluated borrower financial information, pay stubs and credit history to determine loan possibility.
- Worked with underwriters to fix application problems and resolve issues.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Monitored portfolio performance and provided clients with periodic updates on loan progress.
Co Director & Senior Mortgage Broker
Awesome Lending Solutions & Home Loans
10.2014 - 05.2022
- Assisted senior leadership in managing all aspects of operations.
- Prioritized tasks and allocated resources appropriately to keep teams focused and productive.
- Led teams & monitored daily performance as well as training and improvement plans.
- Assessed risks associated with team activities and implemented appropriate procedures to mitigate potential problems.
- Trained and developed department leaders and management staff for specific projects and ongoing operational needs.
Senior Client Manager
Chan & Naylor Finance NSW
07.2010 - 10.2014
- Handled complaints, provided appropriate solutions and alternatives within appropriate timeframes and followed up to achieve resolution.
- Built client relationships by responding to inquiries, identifying and assessing clients' needs, resolving problems, and following up with potential and existing clients.
- Maintained client files with sales contracts, records of client interactions, client notes, and other information.
- Performed duties and provided service in accordance with established operating procedures and company policies.
Senior Credit Analyst
Chan & Naylor Finance NSW
09.2008 - 07.2010
- Improved understanding of financial statements, which helped in assessing risk.
- Evaluated customer credit data to determine level of risk involved in money lending.
- Utilized strong communication and interpersonal skills to obtain necessary financial information from customers.
- Gathered loan documentation for underwriting.
- Performed credit reviews on corporations to assess financial conditions.
Senior Business Development Manager
Mortgage House
07.2006 - 07.2008
- Identified and pursued valuable business opportunities to generate new company revenue and improve bottom line profit.
- Taught consultative selling techniques to new and existing staff members to build expertise.
- Represented company and promoted products at conferences and industry events.
- Reached out to potential customers via telephone, email, and in-person inquiries.
- Generated new business with marketing initiatives and strategic plans.
Financial Planning Assistant
Advisor Blue
01.2006 - 07.2006
- Observed data integrity and confidentiality procedures as per corporate and federal guidelines.
- Managed client issues and returned calls and emails within 2 hours.
- Prepared reports and other documentation ahead of prospective client and current client meetings.
- Established and deepened existing client relationships through complex financial planning.
Credit Manager
Delta Home Loans
06.2005 - 01.2006
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
Credit Manager
Origin Mortgage Management Services
01.2002 - 01.2004
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Reviewed and analyzed loan procedures.
- Attended ongoing professional training to facilitate accurate and productive credit management.
Credit Analyst
Wizard Home Loans
01.2001 - 01.2004
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Participated in loan committee meetings to provide input on lending processes.
Education
Diploma in Mortgage Lending - Mortgage Lending
National Institute of Banking & Finance
Sydney, NSW01.2013
Diploma of Finance Broking - Mortgage Lending
National Institute of Banking & Finance
Sydney, NSW01.2013
Diploma of Financial Planning - Financial Planing
Finsia Education
Sydney, NSW01.2006
Skills
- Sales Development
- Loan Portfolio Growth
- Credit Check Knowledge
- Complex Problem-Solving
- Financial Analysis
- Underwriting Support
- Client Support
- Business Referral Management
- Loan Application Management
- Team Communication
- Microsoft Office
- Customer Satisfaction
- Mortgage Lending
- Appraisal Reports
- Lender Collaboration
- Reviewing Financial Statements
- Certified Mortgage Loan Originator
- Pre-Approval Process
- Underwriting Processes
- Mortgage Plan Advising
- Regulatory Compliance
- Application Tracking
- Sales Goals
- Customer Proposals
- Customer Needs Assessments
- Report Building
- New Business Opportunities
- Customer Interaction
- Document Analysis
- Financial Reports Analysis
- Referral Generation
- Conventional Lending
- Detailed Analysis
- Client Interviews
- Underwriting Guidelines
- Customer Loyalty
- Oral and Written Comprehension
- Customer Inquiries
- Reading Comprehension
- Business Opportunity Development
- Strategic Risk Management
Certification
- National Employment Police Check, 07/13/24
- NSW Drivers Licence, 01/25/29
- Evidence of Full Covid-19 Vaccination Plus Booster, AMC, 09/2014, Current
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
The supernatural is the natural not yet explained.
Elbert Hubbard
Timeline
Senior Residential Mortgage Broker - Contract Role
Bespoke Financial Advisory
08.2023 - 11.2023
Associate Mortgage Broker - Contract Role
SFP Financial Pty Limited
05.2023 - 07.2023
Head Finance Specialist - Contract Role
Sami L Home Loans
11.2022 - 05.2023
Mortgage Broker & Director
Mpowered Finance
06.2022 - 11.2022
Co Director & Senior Mortgage Broker
Awesome Lending Solutions & Home Loans
10.2014 - 05.2022
Senior Client Manager
Chan & Naylor Finance NSW
07.2010 - 10.2014
Senior Credit Analyst
Chan & Naylor Finance NSW
09.2008 - 07.2010
Senior Business Development Manager
Mortgage House
07.2006 - 07.2008
Financial Planning Assistant
Advisor Blue
01.2006 - 07.2006
Credit Manager
Delta Home Loans
06.2005 - 01.2006
Credit Manager
Origin Mortgage Management Services
01.2002 - 01.2004
Credit Analyst
Wizard Home Loans
01.2001 - 01.2004
Diploma in Mortgage Lending - Mortgage Lending
National Institute of Banking & Finance
Diploma of Finance Broking - Mortgage Lending
National Institute of Banking & Finance
Diploma of Financial Planning - Financial Planing
Finsia Education
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