Tuowen(Kevin) Jiang
Blackburn,VIC
Summary
Diligent Lending Manager offering well-developed skills in creating capable and valued teams. Pursuing a position in the financial industry where a qualified individual with an understanding of audits and regulatory compliance is highly sought.
Overview
9
9
years of professional experience
Work History
Home Lending Executive Mobile
CBA
03.2025 - Current
- Reviewed and analyzed credit applications to determine eligibility for loan approval.
- 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.
- Conducted credit investigations to assess customer financial condition, collateral value and payment history.
- Negotiated terms and conditions of loans in order to maximize profitability while minimizing risk exposure.
- Established relationships with potential customers through referrals, COI.
- Forecast future business opportunities within the lending sector.
- Assisted borrowers throughout the entire loan process from application submission through closing.
Mobile Lending Manager
Bank Of Melbourne
05.2024 - 03.2025
- Reviewed and analyzed credit applications to determine eligibility for loan approval.
- 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.
- Conducted credit investigations to assess customer financial condition, collateral value and payment history.
- Negotiated terms and conditions of loans in order to maximize profitability while minimizing risk exposure.
- Established relationships with potential customers through referrals, COI.
- Forecast future business opportunities within the lending sector.
- Assisted borrowers throughout the entire loan process from application submission through closing.
Home and Investment Lending Manager
ANZ
07.2022 - 05.2024
- Reviewed and analyzed credit applications to determine eligibility for loan approval.
- 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.
- Conducted credit investigations to assess customer financial condition, collateral value, and payment history.
- Negotiated terms and conditions of loans in order to maximize profitability while minimizing risk exposure.
- Established relationships with potential customers through referrals, COI and branch.
- Forecast future business opportunities within the lending sector.
- Assisted borrowers throughout the entire loan process from application submission through closing.
- Coached new employees to inform of company processes, procedures and deadlines.
Home Loan Verification Officer
ME Bank
01.2021 - 07.2022
- Ensure the loan structure, details & loan features meets customers intentions and the bank's requirements
- Ensure that the applicant/s are identified as per the bank's KYC criteria
- Verification of liabilities (incl undisclosed), employment/income & account/repayment conduct
- Ensure that the bank and the customer is not compromised a settlement (funds position, ownership of security)
- Issue of the Letter of Offer where verification tasks have been satisfied
- Refer any unsuitable condition/s to credit assessment
- Provide updates to Mobile Banking Managers, Brokers & Direct Sales consultants at key process milestones to achieve optimal customer outcomes.
Home Lending Solution Consultant
ME Bank
09.2020 - 01.2021
- Organise customer inbound and outbound call
- Customer needs based conversation
- Serviceability calculation
- Provide lending solutions to customers
- Organise documents to be sent to customers
- Follow up all scenarios/applications to be approved by credit
- Apply retention discount.
Customer Service Officer/Support Officer
Antloans Pty Ltd
01.2018 - 03.2020
- Document preparation
- Serviceability calculation
- Data entry
- Compliance
- Order valuation
- Document verification
- Application submission
- Application update
- Application/property settlement
- Post settlement issues
- Weekly task report
- Update lenders' policy
- Clients' file management
- Other office duty.
Loan Processor/Loan Writer
Financier Australia Pty Ltd
07.2016 - 01.2018
- Document preparation
- Serviceability calculation
- Data entry
- Compliance
- Order valuation
- Document verification
- Application submission
- Application update
- Application/property settlement
- Post settlement issues
- Weekly task report
- Update lenders' policy
- Clients' file management.
Education
Certificate IV in Finance and Mortgage Broking -
Performance Education
07.2016
Bachelor of Journalism -
Chengdu University
07.2011
Skills
CRM
Applyonline/NextGen
Salesforce
T24
Ultracs
PEGA Servicing
PEGA Origination
Iknow/Iknow Borrow
CAP
ValEx/Core Logic
Equifax
Microsoft Office
OBP
Languages
English
Full Professional
Chinese (Mandarin)
Native/ Bilingual
References
References available upon request.
Timeline
Home Lending Executive Mobile
CBA
03.2025 - Current
Mobile Lending Manager
Bank Of Melbourne
05.2024 - 03.2025
Home and Investment Lending Manager
ANZ
07.2022 - 05.2024
Home Loan Verification Officer
ME Bank
01.2021 - 07.2022
Home Lending Solution Consultant
ME Bank
09.2020 - 01.2021
Customer Service Officer/Support Officer
Antloans Pty Ltd
01.2018 - 03.2020
Loan Processor/Loan Writer
Financier Australia Pty Ltd
07.2016 - 01.2018
Certificate IV in Finance and Mortgage Broking -
Performance Education
Bachelor of Journalism -
Chengdu University
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