SHAINA GAIBI

• Reviewed and analyzed servicing calculations for customers to advise loan scenario possibilities and advise the best way to achieve their finance goals.
• Provided guidance and assistance with the completion of loan documents in accordance with applicable regulations.
• Developed, maintained and monitored loan portfolios to ensure compliance with lending policies.
• Coaching first-time homebuyers and assisting them through the entire process.
• Conducting staff coaching on maintaining and expanding the home loan pipeline for the branch and providing skill builders to enhance skills.
• Establish and maintain strong relationships with clients, real estate agents, and other related parties to drive business growth.
• Deliver exceptional service, addressing client inquiries and resolving any issues that arise during the lending process.
• Maintained effective relationships with referral partners to increase customer referrals and boost loan pipeline.

- Provide solutions and viable options to clients to help them achieve home ownership, especially those who didn't think they could buy in the current market due to financial constraints.

- Conduct appointments with clients and provide them with information and the process towards home ownership.

- Utilizing previous finance experience to brainstorm new ideas for customers, so that they can take their first steps to home ownership or widen property investment options, in the case of an investor.

- Partnered with the internal brokers to workshop and find solutions for all customer types.

- Partnered with major developers like Stockland, Lendlease, Mirvac, Moremac, etc. to negotiate and secure land contracts for the clients.

- Liaise with internal teams, such as Estimating, Drafting, and Customer Experience, to provide the customer with the best possible outcome.

- Put together quotes and Preliminary Works Contract for clients.

- Prospecting and building lead pipeline using Salesforce.

- Nominated as the 'rep of the month' five times and been amongst the top 10 consultants for two years in a row.

• Structuring loan scenarios with comparative lenders and providing ideal recommendations to the clients.
• Preparing client applications and submission to lenders.
• Preparing fact finds, prelims, funds position reports, and lender compliance forms.
• Proficiency in income calculations, LMI, and servicing for clients.
• Specialty in dealing with first home buyers, addressing their queries, and assisting them through the entire process.
• Liaising with BDMs of all lenders to meet customer-oriented and business targets.
• Expertise in executing timely settlements and meeting clients' goals and objectives.
• Conducted market research to identify trends and customer needs.

• Leading a team of 5 under the senior mortgage broker at RateOne
• Preparing loan structures for client applications and submitting the same to the lender
• Proficiency in income calculations, LMI and servicing for clients
• Organizing property valuation, RP-hub reports, and lender pricing requests
• Business growth by assisting prospective clients in their financial needs
• Specialty in dealing with first home buyers, addressing their queries, and assisting them through the entire process
• Handling construction loan draw down payments and making sure the construction is funded at each stage in time
• Brought in better systems and processes amongst the team to have an effective and efficient workflow in the business