Summary
Overview
Work History
Education
Skills
Personal Information
Hobbies and Interests
Timeline
Generic
Renee Carter

Renee Carter

Longwarry

Summary

Experienced finance professional with 17 years in lending and Mortgage Brokerage. Currently based in Longwary, Victoria, managing family life with three daughters and partner, including youngest daughter Gwendoline. Passionate about assisting others and looking to transition into a customer service role to interact with the public. Seeking a position in Bunyip to accommodate dropping off my youngest at Columbia Catholic Primary School each morning and reentering the banking sector.

Overview

19
19
years of professional experience

Work History

Work From Home

Richmond
06.2022 - Current
  • Mastered technical billing software to guarantee accurate and punctual invoicing for customers.
  • Managed meter alterations and maintained up-to-date client meter records.
  • Coordinated with networks to obtain meter readings and diligently followed up.
  • Consistently met and exceeded Key Performance Indicators (KPIs).
  • Participated in weekly briefings to stay informed on new tariffs and network updates.
  • Collaborated with colleagues to resolve issues related to consumer accounts.
  • Expedited the processing of overdue bills to ensure timely issuance.
  • Provided guidance and support to new staff members, addressing their queries effectively.

Management of staff

Traralgon Big 4
09.2022 - 02.2023
  • Allocating cabins for the day
  • Cleaning and inspecting cabins
  • Ensuring cabins are cleaned within a timely manner
  • Checking off chemicals and ordering as required
  • Training new staff
  • Ensuring stock is full and ordering as required
  • Cleaning ranged from, kitchens, bedrooms and making beds, vacuuming, mopping floors
  • Updating office as cabins cleaned for arriving customers
  • Ensuring indoor playground was clean and hygienic for children playing
  • Ensuring toilets and showers that campers used were clean at all times of day
  • Ensuring camp kitchen was kept clean and tidy

Broker Support & Mortgage Broker

Richmond
06.2020 - 07.2022
  • Facilitated broker operations by streamlining application processes and document management.
  • Expedited mortgage document collection and ensured timely signing to maintain lead momentum.
  • Supported application lifecycle, from submission through to settlement, enhancing broker efficiency.

Loan Administration Officer & Customer Service

Emerald
11.2019 - 02.2020
  • Proactively pursued client leads and coordinated appointments for brokers, enhancing customer engagement.

Officer

MY PROPERTY AND FINANCE PTY LTD
04.2017 - 09.2019
  • Spearheaded the establishment of a mortgage brokerage service for a regional construction firm, encompassing the full spectrum of operations from lead generation to client follow-up.
  • Managed comprehensive document collection and assessment processes, ensuring seamless interactions with banks and Business Development Managers (BDMs).
  • Demonstrated meticulous adherence to responsible lending practices and National Consumer Credit Protection (NCCP) regulations.
  • Maintained up-to-date Continuing Professional Development (CPD) to ensure the highest standards of industry knowledge and expertise.
  • Delivered exceptional support to builders and their clientele, fostering robust relationships and enhancing customer satisfaction.
  • Engaged proactively with home sales consultants to ensure a cohesive approach to client service excellence.
  • Cultivated a high-performance culture through the recruitment and training of new staff members, emphasizing sales acumen and customer service skills.

Mortgage Broker

MY HOME FINANCE
01.2015 - 06.2015
  • Exceeded Key Performance Indicators (KPIs) consistently by effectively booking and managing client appointments.
  • Enhanced cross-selling skills by training staff on directing potential leads to lending managers.
  • Proficient in utilizing proprietary software and databases to streamline the lending process.
  • Committed to professional development through regular attendance at training sessions.
  • Adhered strictly to responsible lending practices, ensuring clients received appropriate loan options.
  • Facilitated client comprehension of the lending journey, providing clear guidance and support.
  • Authorized to submit and approve loans autonomously within my Delegated Lending Authority (DRA).
  • Maintained comprehensive client follow-up, extending service beyond loan settlement.
  • Drove additional revenue by strategically referring clients to other banking products as needed.
  • Transitioned from role to focus on family after welcoming my third child.

Mortgage Broker

CHOICE HOME LOANS
04.2012 - 01.2015
  • Adherence to NCCP guidelines ensuring full compliance in all transactions.
  • Efficient submission of new loan applications, streamlining the lending process.
  • Transition of conditional loans to mortgage processors, enhancing operational workflow.
  • Conducting mobile appointments, demonstrating flexibility and customer-centric service.
  • Stationed at display homes to welcome and engage with potential clients, fostering positive first impressions.
  • Provided expert training to new brokers, elevating team proficiency and service quality.
  • Developed and delivered training for mortgage processors, optimizing support functions.
  • Consistently met and exceeded weekly and monthly sales targets, driving business growth.
  • Managed and salvaged approximately 80% of Porter Davis deals that were previously declined by other brokers, showcasing exceptional problem-solving and client retention skills.

Lending Specialist

BANK OF MELBOURNE
02.2006 - 04.2012
  • Accelerated lending expertise through hands-on experience and client engagement.
  • Proficient in loan and grant processing, ensuring timely and accurate transactions.
  • Cultivated strong client relationships through dedicated customer service and communication, particularly during the GFC and RAMS-Westpac transition.
  • Demonstrated leadership by training and mentoring new staff, enhancing team performance.
  • Successfully managed the RAMS Melton Store, driving sales and meeting rigorous KPIs.
  • Proactively pursued and followed up on leads to maximize business opportunities.
  • Embarked on a rewarding career trajectory with RAMS, departing due to relocation from Geelong to Longwarry.

Education

Diploma of Finance and Mortgage Broking Management -

KAPLAN PROFESSIONAL
Melbourne
12.2023

Certificate V in Finance and Mortgage Broking -

INTELLITRAIN
Melbourne
12.2010

Certificate 3 Business Administration -

Tafe Victoria
2003

VCE -

MARIST-SION COLLEGE WARRAGUL
Warragul
12.2001

Skills

  • COMMUNICATION
  • TEAM WORKER
  • ORGANISED
  • CLIENT FOCUSSED
  • EASY TO TALK TO
  • FAST LEARNER
  • TEACHING
  • PROFICIENT IN EXCEL
  • PROFICIENT IN WORD
  • PROFICIENT IN POWER POINT
  • MORTGAGE BROKING PROGRAMS
  • NCCP RULES PROFICIENT
  • MANAGEMENT SKILLS

Personal Information

  • Age: 41
  • Date of Birth: 28/03/1984
  • Nationality: Australian
  • Marital Status: Engaged
  • Address: 4/10 Toy St, Longwarry, Vic, 3816

Hobbies and Interests

  • Football
  • Netball
  • Walking
  • Spending time with family
  • Camping
  • Outings

Timeline

Management of staff

Traralgon Big 4
09.2022 - 02.2023

Work From Home

Richmond
06.2022 - Current

Broker Support & Mortgage Broker

Richmond
06.2020 - 07.2022

Loan Administration Officer & Customer Service

Emerald
11.2019 - 02.2020

Officer

MY PROPERTY AND FINANCE PTY LTD
04.2017 - 09.2019

Mortgage Broker

MY HOME FINANCE
01.2015 - 06.2015

Mortgage Broker

CHOICE HOME LOANS
04.2012 - 01.2015

Lending Specialist

BANK OF MELBOURNE
02.2006 - 04.2012

Diploma of Finance and Mortgage Broking Management -

KAPLAN PROFESSIONAL

Certificate V in Finance and Mortgage Broking -

INTELLITRAIN

VCE -

MARIST-SION COLLEGE WARRAGUL

Certificate 3 Business Administration -

Tafe Victoria

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