Taya Garcia
Sydney,NSW
Summary
Dynamic professional with over 20 years of experience in credit analysis and underwriting. Proven expertise in financial modeling and credit decision-making, resulting in strengthened partnerships with brokers and clients. Successful in enhancing lending relationships and driving business growth. Seeking to leverage extensive credit experience in a mortgage broker role to further develop skills and contribute to organizational success.
Overview
26
26
years of professional experience
Work History
Credit Manager
Azora Finance
Darlinghurst, NSW
06.2009 - Current
- Strengthened partnerships with brokers to improve lending relationships.
- Accumulated over 20 years of expertise in non-conforming home and auto loans.
- Assessed creditworthiness and risk for non-conforming loan applications.
- Guided clients through complex lending processes to secure optimal outcomes.
- Achieved 94% in mortgage broker diploma program, reflecting strong industry knowledge.
Credit Underwriter
GMAC/Capital First
North Sydney
01.2008 - 06.2009
- Assessed complex PAYG and self-employed applications to evaluate risk and achieve desired outcomes.
- Mentored junior staff to enhance skills and professional development.
- Established strong relationships with internal and external stakeholders to drive business growth.
- Held delegated lending authority of $1.5 million.
- Facilitated business shutdown and portfolio handover following GFC.
- Evaluated non-conforming mortgage applications to ensure compliance and minimize risk.
Mortgage Underwriter
Bluestone Mortgages
Sydney
01.2005 - 01.2008
- Evaluated complex non-conforming loans for underwriting approval.
- Assessed full and low-documentation applications to achieve optimal outcomes.
- Analyzed financials of self-employed borrowers to establish eligibility.
- Collaborated with internal and external staff to strengthen relationships.
Credit Support Specialist
Homeside Lending
01.2000 - 01.2005
- Conducted initial assessments of prime home loan applications.
- Packaged applications for underwriters to facilitate timely reviews.
- Collaborated with clients to identify optimal solutions for loan needs.
- Supported underwriting team in portfolio growth initiatives.
Education
Diploma of Finance and Mortgage Broking
The National Finance Institute
Australia12-2016
Master Practitioner NLP
The Coaching Room
12-2014
Cert IV Finance And Mortgage Broking
National Finance Institute
Australia01-2011
Skills
- Credit assessment and risk evaluation
- Loan structuring and compliance analysis
- Financial modeling
- Relationship management
- Credit decision making
- Mentoring and training junior staff
Timeline
Credit Manager
Azora Finance
06.2009 - Current
Credit Underwriter
GMAC/Capital First
01.2008 - 06.2009
Mortgage Underwriter
Bluestone Mortgages
01.2005 - 01.2008
Credit Support Specialist
Homeside Lending
01.2000 - 01.2005
Diploma of Finance and Mortgage Broking
The National Finance Institute
Master Practitioner NLP
The Coaching Room
Cert IV Finance And Mortgage Broking
National Finance Institute