Summary
Overview
Work History
Education
Skills
Travelling either flying or cruising. Understanding and appreciating all cultures, reading,
Timeline
Generic

Vicki Patrikios

Bundoora,VIC

Summary

Savvy Home Mortgage Consultant with 18 years of experience fostering positive relationships with both borrowers and lenders. Skilled in workplace collaboration and strategy development.

Strong focus on customer service & sales results thought my working career.

Strong ability in accounting and management of staff



Overview

40
40
years of professional experience

Work History

Mortgage Broker

Self Employed
04.2013 - 03.2019
  • Streamlined the loan application process for faster approvals and increased customer retention.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Assessed loan portfolios for compliance with underwriting policies.
  • Assisted clients in improving their credit scores and overall financial standing, increasing their chances of loan approval and favorable terms.
  • Demonstrated excellent negotiation skills when working with underwriters to obtain favorable loan terms for borrowers in challenging situations.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Assisted clients in understanding complex mortgage terms and conditions, empowering them to make informed decisions about their home financing options.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Monitored pipelines to track and log status of loans.
  • Explained very technical financial information to applicants in easy to understand language.
  • Collaborated with different lenders to find best possible deal for homebuyers.
  • Worked with underwriters to fix application problems and resolve issues.
  • Established strong relationships with borrowers, which helped to forge new business opportunities.
  • Assisted customers with completing loan applications and other paperwork.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Fielded customer complaints and provided solutions.
  • Facilitated smooth communication between all parties involved in transactions, resulting in successful loan closings and satisfied clients.
  • Checked loan documents for accuracy prior to closing.
  • Proactively identified solutions for customers experiencing credit issues.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Explained entire mortgage loan process to borrower.
  • Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
  • Worked flexible hours across night, weekend, and holiday shifts.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Passionate about learning and committed to continual improvement.
  • Strengthened communication skills through regular interactions with others.
  • Gained extensive knowledge in data entry, analysis and reporting.
  • Identified issues, analyzed information and provided solutions to problems.
  • Paid attention to detail while completing assignments.

Mortgage Broker

Wholesale Mortgage Funding
01.2002 - 01.2011
  • Supported compliance efforts by maintaining accurate records and performing periodic audits of client files for adherence to internal guidelines and regulatory requirements.
  • Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
  • Contributed to the growth of the brokerage firm by efficiently managing a large pipeline of loans from inception to closing.
  • Explained different types of loans pertaining to client situations.
  • Fielded customer complaints and provided solutions.
  • Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Worked with underwriters to fix application problems and resolve issues.
  • Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
  • Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
  • Checked loan documents for accuracy prior to closing.
  • Reviewed loan files and updated to match current standards.
  • Created customized marketing materials that highlighted key mortgage products offered by the brokerage, driving new client acquisition.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Expeditiously gathered required documentation from clients, expediting the underwriting review process.
  • Reviewed and validated details of loan applications and closing documentation.
  • Assisted clients in understanding complex mortgage terms and conditions, facilitating well-informed decisionmaking.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
  • Improved document management systems, resulting in reduced processing times and errors during the lending process.
  • Calculated, reviewed and corrected errors on interest, principal and closing costs.
  • Conducted thorough research on available loan products, enabling informed recommendations tailored to individual client needs.
  • Supported a high-performing team of mortgage brokers by efficiently handling administrative tasks such as scheduling appointments, managing calendars, and coordinating meetings.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Participated in ongoing professional development opportunities to continuously enhance knowledge of mortgage products, services, and best practices within the industry.
  • Streamlined loan application processes for increased efficiency and faster approvals.
  • Monitored portfolio performance and provided clients with periodic updates on loan progress.
  • Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Affirmed loan document accuracy to protect lenders from potential fraud.
  • Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Maintained strong relationships with lenders, underwriters, and other industry professionals to facilitate smooth transactions.
  • Developed strong rapport with clientele through regular communication updates regarding their loan status or any changes affecting their application or approval process.
  • Managed multiple priorities effectively, ensuring timely completion of tasks related to loan applications, documentation, and follow-up communications with clients.
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Enhanced client satisfaction by providing comprehensive mortgage assistance and support.
  • Stayed up-to-date on industry trends and regulations to provide accurate information and guidance to clients.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Increased mortgage revenue by effectively cross-selling additional financial products and services to existing clients.
  • Assisted in securing funding for clients with diverse financial backgrounds, ensuring successful loan closings.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
  • Consulted with outside vendors to identify and resolve loan closing issues.
  • Provided exceptional customer service by promptly addressing inquiries and resolving issues throughout the mortgage process.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Set up, stored and updated customer files, department records and regulatory paperwork.
  • Collaborated with senior brokers to devise creative financing solutions that met unique borrower requirements.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Adaptable and proficient in learning new concepts quickly and efficiently.
  • Strengthened communication skills through regular interactions with others.
  • Proved successful working within tight deadlines and a fast-paced environment.
  • Demonstrated strong organizational and time management skills while managing multiple projects.
  • Paid attention to detail while completing assignments.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Gained strong leadership skills by managing projects from start to finish.
  • Participated in team projects, demonstrating an ability to work collaboratively and effectively.
  • Passionate about learning and committed to continual improvement.
  • Gained extensive knowledge in data entry, analysis and reporting.
  • Identified issues, analyzed information and provided solutions to problems.
  • Worked effectively in fast-paced environments.
  • Learned and adapted quickly to new technology and software applications.
  • Skilled at working independently and collaboratively in a team environment.
  • Worked flexible hours across night, weekend, and holiday shifts.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Developed strong communication and organizational skills through working on group projects.
  • Maintained computer and physical filing systems.
  • Established performance goals for employees and provided feedback on methods for reaching those milestones.
  • Provided exceptional customer service when addressing client inquiries or concerns via phone calls or email correspondence.
  • Evaluated employee performance and conveyed constructive feedback to improve skills.
  • Managed senior-level personnel working in marketing and sales capacities.
  • Created, maintained and updated filing systems for paper and electronic documents.
  • Established workflow processes, monitored daily productivity, and implemented modifications to improve overall performance of personnel.
  • Leveraged data and analytics to make informed decisions and drive business improvements.
  • Contributed to workplace safety by ensuring compliance with established emergency protocols and conducting regular equipment inspections.
  • Improved staffing during busy periods by creating employee schedules and monitoring call-outs.
  • Maintained professional demeanor by staying calm when addressing unhappy or angry customers.
  • Coordinated special projects and managed schedules.
  • Identified and communicated customer needs to supply chain capacity and quality teams.
  • Served as a liaison between upper management and staff members, facilitating open channels of communication to address concerns or issues promptly.
  • Assisted in the recruitment process, conducting interviews and onboarding new employees to promote a seamless integration into the team dynamic.
  • Delivered performance reviews, recommending additional training or advancements.
  • Reported to senior management on organizational performance and progress toward goals.
  • Developed and maintained successful relationships with vendors, suppliers and contractors.
  • Facilitated smooth communication between departments, addressing concerns promptly to maintain harmonious work relationships.
  • Maintained accurate financial records by reconciling accounts payable/receivable transactions regularly to ensure balanced budgets.
  • Handled sensitive information with discretion, maintaining confidentiality of company documents and personnel records.
  • Organized travel arrangements for executives by researching cost-effective options while accommodating individual preferences.
  • Developed detailed plans based on broad guidance and direction.
  • Coordinated office events and meetings, ensuring timely execution and optimal scheduling for all participants.
  • Controlled resources and assets for department activities to comply with industry standards and government regulations.
  • Used industry expertise, customer service skills and analytical nature to resolve customer concerns and promote loyalty.
  • Implemented new software tools for streamlined project management, increasing efficiency in task completion across teams.
  • Supported department heads in accomplishing their goals through diligent administrative assistance such as report generation and data entry.
  • Managed compliance to keep organization operating within legal and regulatory guidelines.
  • Evaluated employee records and productivity and submitted evaluation reports.
  • Defined clear targets and objectives and communicated to other team members.
  • Updated reports, managed accounts, and generated reports for company database.
  • Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
  • Streamlined office operations by implementing efficient filing systems and organizational strategies.
  • Trained personnel in equipment maintenance and enforced participation in exercises focused on developing key skills.
  • Developed comprehensive policy manuals outlining procedures and guidelines, contributing to a well-organized workplace culture.
  • Controlled finances to lower costs and keep business operating within budget.
  • Improved employee retention rates by fostering a positive work environment and providing growth opportunities through training programs.
  • Applied effective time management techniques to meet tight deadlines.
  • Developed and maintained courteous and effective working relationships.
  • Organized and detail-oriented with a strong work ethic.

Sales Representative

Peter Isaacson Magazines
03.1992 - 09.1999
  • Built customer loyalty and retention by delivering excellent shopping experiences.
  • Prioritized helping customers over completing other routine tasks in store.
  • Utilized CRM software to manage customer accounts and track performance metrics.
  • Increased repeat business by fostering trust-based relationships with key accounts through regular communication.
  • Maintained accurate records of all sales activities, utilizing CRM software for efficient tracking and reporting purposes.
  • Increased advertising revenue by identifying and targeting potential clients in various industries.
  • Played key role in achieving and maintaining top client satisfaction and retention by ensuring accuracy of ads and listings.
  • Sold non-traditional advertising in niche publications, commercial publications, digital platforms, and direct mail formats.
  • Prepared and delivered sales presentations to businesses to sell new advertising programs.
  • Made outbound calls to existing customers to upsell advertising packages.
  • Continuously updated product knowledge to stay current on industry trends and maintain a competitive edge in the marketplace.
  • Collaborated with internal teams to develop creative advertising strategies that met client objectives and budget requirements.
  • Researched and customized service proposals for clients to meet requirements and set profitable compensation scale.
  • Contacted clients in person and on telephone to obtain feedback about services purchased.
  • Managed multiple accounts simultaneously while ensuring timely delivery of projects and exceptional client satisfaction.
  • Utilized effective marketing techniques to increase brand recognition.
  • Built strong client relationships and provided high value-adding services, resulting in increased company market share.
  • Delivered exceptional client support by resolving issues promptly and proactively addressing potential concerns before they escalated.
  • Exceeded quarterly sales targets consistently by leveraging industry knowledge and strong negotiation skills.
  • Used consultative sales techniques to pinpoint customers' advertising needs and close on short-term and long-term sales contracts.
  • Developed strong client relationships for long-term success through regular communication and excellent customer service.
  • Used cold calling to reach out to local business owners needing new advertising products and services.
  • Helped customers in determining design and layout of sold and spec ads.
  • Evaluated campaign performance regularly with clients, recommending adjustments as needed to optimize results.
  • Strengthened communication skills through regular interactions with others.
  • Demonstrated creativity and resourcefulness through the development of innovative solutions.
  • Delivered services to customer locations within specific timeframes.
  • Learned and adapted quickly to new technology and software applications.
  • Paid attention to detail while completing assignments.
  • Identified issues, analyzed information and provided solutions to problems.

Superannuation Sales Support

Australian Superannuation
01.1986 - 12.1991
  • Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
  • Compiled and analyzed data to determine approaches to improve sales and performance.
  • Prepared sales presentations for clients showing success and credibility of products.
  • Managed accounts to retain existing relationships and grow share of business.
  • Directed sales support staff in administrative tasks to help sales reps close deals.
  • Developed strong client relationships through prompt communication and excellent service quality.
  • Enhanced customer satisfaction by promptly addressing and resolving inquiries and concerns.
  • Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Learned and adapted quickly to new technology and software applications.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Self-motivated, with a strong sense of personal responsibility.
  • Worked well in a team setting, providing support and guidance.
  • Excellent communication skills, both verbal and written.
  • Facilitated smooth communication between sales executives and clients, ensuring timely responses to queries.
  • Expedited contract negotiations by liaising with legal departments to ensure compliance with company policies.
  • Reduced order processing time through meticulous attention to detail in handling purchase orders and inventory updates.
  • Supported sales growth by preparing comprehensive reports on market trends and competitors'' activities.
  • Built relationships with customers and community to establish long-term business growth.
  • Boosted sales performance by providing efficient administrative support to the sales team.

Customer Service Representative

General Credits Division Of Westpac
02.1979 - 10.1985
  • Exceeded performance metrics consistently, earning recognition as a top performer within the team.
  • Followed up with customers about resolved issues to maintain high standards of customer service.
  • Improved communication between departments by facilitating interdepartmental meetings focused on problem-solving strategies for common issues affecting customers'' experiences.
  • Followed-through on all critical inter-departmental escalations to increase customer retention rates.
  • Utilized data analytics tools to monitor performance trends regularly, identifying areas for improvement and implementing necessary changes.
  • Increased efficiency and team productivity by promoting operational best practices.
  • Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
  • Met customer call guidelines for service levels, handle time and productivity.
  • Streamlined call center processes for improved efficiency and reduced wait times.
  • Answered constant flow of customer calls with minimal wait times.
  • Offered advice and assistance to customers, paying attention to special needs or wants.
  • Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
  • Collaborated with sales team members to stay current on inventory levels, complete accurate orders, and resolve item issues.
  • Optimized customer support by establishing collaborative service environments through targeted operational initiatives.
  • Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
  • Developed rapport with customers through active listening skills, leading to higher retention rates and positive feedback from clients.
  • Increased efficiency and performance by monitoring team member productivity and providing feedback.
  • Managed timely and effective replacement of damaged or missing products.
  • Investigated and resolved accounting, service and delivery concerns.
  • Handled customer inquiries and suggestions courteously and professionally.
  • Exhibited high energy and professionalism when dealing with clients and staff.
  • Developed highly empathetic client relationships and earned reputation for exceeding service standard goals.
  • Resolved associate, tool and service delivery issues revealed by statistical reports.
  • Investigated and resolved customer inquiries and complaints quickly.
  • Bolstered customer retention by creating and offering unique discount options and inspiring interest in new product lines.
  • Cross-trained and provided backup support for organizational leadership.
  • Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
  • Participated in cross-functional initiatives aimed at enhancing overall business operations and customer satisfaction levels.
  • Contributed to sales growth by upselling products and services based on individual customer requirements.
  • Maintained up-to-date knowledge of product and service changes.
  • Provided excellent customer care by responding to requests, assisting with product selection and handling ordering functions.
  • Participated in team meetings and training sessions to stay informed about product updates and changes.
  • Responded to customer requests for products, services, and company information.
  • Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
  • Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives.
  • Conducted regular quality assurance checks on interactions with customers to ensure agents were meeting established guidelines and standards for service excellence.
  • Responded to customer requests, offering excellent support and tailored recommendations to address needs.
  • Clarified customer issues and determined root cause of problems to resolve product or service complaints.
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
  • Trained staff on operating procedures and company services.
  • Answered customer telephone calls promptly to avoid on-hold wait times.
  • Developed strong product knowledge to provide informed recommendations based on individual customer needs.
  • Trained new personnel regarding company operations, policies and services.
  • Updated account information to maintain customer records.
  • Processed customer service orders promptly to increase customer satisfaction.
  • Maintained detailed records of customer interactions, ensuring proper follow-up and resolution of issues.
  • Promoted superior experience by addressing customer concerns, demonstrating empathy, and resolving problems swiftly.
  • Delivered prompt service to prioritize customer needs.
  • Promptly responded to inquiries and requests from prospective customers.
  • Organized and detail-oriented with a strong work ethic.
  • Excellent communication skills, both verbal and written.
  • Paid attention to detail while completing assignments.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Skilled at working independently and collaboratively in a team environment.

Education

High School Diploma -

Thornbury High School
Thornbury, VIC

Bachelor of Business Admin. - Accounting Technology And Bookkeeping

RMIT University
Melbourne, VIC

Skills

  • Corporate Financial Statements
  • Loan Feasibility Assessment
  • Financial transactions expertise
  • Client engagement and assistance
  • Staff Management
  • Application coordination
  • Economics Understanding
  • Skilled in [Software]
  • 10-Key Data Entry
  • Active Listening and Learning
  • Basic Mathematics
  • Goal-oriented mindset
  • Oral and Written Comprehension
  • Application Review
  • Superior customer service
  • Remote Video Conferencing
  • Processing loan applications
  • Sales Forecasting
  • Microsoft Office
  • Cash Handling
  • Loan Portfolio Monitoring
  • Process Improvement
  • Financial Accounting
  • Complaint Handling
  • Loan Origination
  • Underwriting knowledge
  • Payment Collection
  • Credit History Review
  • Invoice Preparation
  • Adaptable sales strategies
  • Customer service-focused
  • Tax Liability Calculation
  • Loan File Maintenance
  • Customer Relations
  • Loan terms
  • Relationship selling
  • Decision-Making
  • Customer Service
  • Strong negotiation skills
  • PeopleSoft
  • Decision Making Aptitude
  • Bank Product Marketing
  • Application verification

Travelling either flying or cruising. Understanding and appreciating all cultures, reading,

I enjoy exploring different countries & continents, learning & enjoying all each country had to offer from food,people,culture 

Cruising got me is a fabulous way to see the world, its effortless going from country to country, only unpacking once & enjoying all the ship has to offer from food, entertainment or just relaxing. 

True crime novels understanding how the mind works 

Timeline

Mortgage Broker

Self Employed
04.2013 - 03.2019

Mortgage Broker

Wholesale Mortgage Funding
01.2002 - 01.2011

Sales Representative

Peter Isaacson Magazines
03.1992 - 09.1999

Superannuation Sales Support

Australian Superannuation
01.1986 - 12.1991

Customer Service Representative

General Credits Division Of Westpac
02.1979 - 10.1985

High School Diploma -

Thornbury High School

Bachelor of Business Admin. - Accounting Technology And Bookkeeping

RMIT University

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Vicki Patrikios