Timoci (Tim) Mackeen

Processing residential home loan & commercial loan applications.

Review & Analysing financial statements & business taxation returns for self employed borrowers.

Approving loans under DLA.

Meeting KPI's & monthly budget.

Processing Personal Loan & Home Loan Applications.

Submit applications for sign off by Banks credit dept.

Prepare loan contracts & go through contracts with the borrowers for signing.

Liaise with bank's settlement dept for settlement to go through smoothly.

Assist branch owner manager with daily account reporting, ie, deciding if we honour payments or dishonour payments.

Also assist customer service officers with deposits/withdrawals or other bank enquiries.

Processing loan applications for mortgage broking business and submitting it to various lenders on panel.

Collating information from borrowers.

Corresponding with borrowers & lenders to assist with loan approval.

Corresponding with bank's and other financial institutions from loan approval to settlements.

1st job since finishing high school. Initially worked as a bank teller, then progressed through different positions to becoming a loans officer. Spent a few years as a consumer lending officer, then was promoted to business lending officer from 1995 to 2002.

As a business lending officer, I was an assistant to a relationship manager and managed a portfolio and had a few roles in this position with different managers with different size portfolios.

Would assist relationship manager with reviewing customer's accounts, ie, decision to honour transactions or dishonour.

Annual review of customer's overdraft facilities.

Processing business /commercial loan applications to be signed off by relationship manager or refer to higher DLA authority.

Interact with customers within the portfolio to assist with their daily banking requirements.