Tian Liu

Held DLA for $1 million

Assessing, approving, and recommending applications for non-conforming residential loans.

Meeting tight service-level agreements (SLAs)

Assisting broker including workshopping scenarios and loan structuring

Attending aggregator PD day to assist BDMs

Overseeing the entire process of the non-resident (white label product) lending division, from third-party enquiries to settlement.

Implementation of the application process for the non-resident (white label product) lending division.

Packaging, submitting and recommending a wide range of complex mortgage applications, including non-resident, self-employed, non-conforming, construction, low doc, commercial, and SMSF across all 3-panel lenders including Adelaide and Bendigo Bank, Mortgageport Home Loans, and BC Invest.

Utilizing a new digital system and concept to assess, approve, recommend or decline residential mortgage applications.

As 2 IC, managing the team's daily activities, including running morning huddles and meetings, reporting, and allocating work.

Providing ongoing training and coaching to team members, contribute to system and process improvements, and ensure compliance with all quality assurance requirements.

Workshopping scenarios with BDM and broker including policy exception and loan structuring.

Held DLA of $750,000 for both PAYG and self-employed. Assessing approving, recommending or declining home loan applications from different third-party channels based on the company's lending policy and guidelines.

Interpreting credit policy and mitigating risks.

Workshopping scenarios with BDM and brokers including policy exception and loan structuring

Held DLA of $1,500,000 for both PAYG and self-employed non-resident lending.

In charge of the non-resident lending division for Brighton Home Loans as a mortgage manager.

Packaging, submitting and recommending a wide range of complex mortgage applications, including non-resident, self-employed, non-conforming, construction, low doc, commercial, and SMSF across all 3-panel lenders including Adelaide and Bendigo Bank, Mortgageport Home Loans and Brighton home loans

Consulting clients over the phone.

Assessing applicants financial position

Loan structuring based on clients' requirements and objectives.

Recommending lenders

Liaising with lenders for pricing approval, policy exception and complex scenario

Overseeing application submission to settlement.

Liaising with various stakeholders involved in the mortgage application process such as BDMs, assessors, valuers, real estate agents, conveyancers/solicitors, etc., to ensure a seamless end-to-end process.

Meeting compliance requirements

Meeting settlement target of $2 million per month

Additional responsibilities: updating policies, products, procedures, and compliance requirements for lenders. Providing training and coaching to brokers to improve their submission quality and settlement conversion. Assisting with system improvements and procedures, as well as addressing broker queries, scenarios, and loan products.

Held DLA of $1,500,000 for both PAYG and self-employed.

Assessing, approving, and recommending an average of 15 applications per day while maintaining a quality control check score of over 95%.

As 2 IC, in charge of the allocation of work, training, monitoring SLA, and reporting. I

Liaising with other stakeholders, such as BDMs, Direct members, brokers, valuers, solicitors, and mortgage insurers to ensure smooth and fast turn around.

Held DLA of $900,000 for PAYG and self-employed.

Assessing, approving/recommending/declining home loan applications from various third-party channels, interpreting credit policy, and mitigating risks that fell outside the policy and guidelines.

Managing the entire loan variation process single-handedly, processing an average of 100 variation requests per month. This involved handling loan increase requests, product changes, restructures, consolidations, addition or substitution of security, full or partial discharges, various consent requests, and construction progress draw-down payments.

Responding to mortgage-related inquiries from customers and brokers through inbound calls and emails.

Providing high standard customer service to mortgage brokers and clients.

Processing loan variation requests, and managing customer retention or discharge requests.

Generating leads in collaboration with referral partners

Converting them into successful mortgage applications.

Consulting clients over the phone.

Assessing applicants financial position

Loan structuring based on clients' requirements and objectives.

Recommending lenders

Liaising with lenders for pricing approval, policy exception and complex scenario

Overseeing application submission to settlement.

Liaising with various stakeholders involved in the mortgage application process such as BDMs, assessors, valuers, real estate agents, conveyancers/solicitors, etc., to ensure a seamless end-to-end process.

Meeting compliance requirements

Meeting settlement target of $2 million per month