Xiaoxiong (Olivia) Zuo
West Pennant Hills,NSW
Summary
Home loan expert with a demonstrated history of working in the mortgage industry. Skilled in Relationship Management, Financial Analysis and Risk Management. Strong finance professionals with master's degree focused in Banking and Finance from Monash University.
Overview
8
8
years of professional experience
Work History
Internal Mortgage Broker
Austroo Finance
Auburn
10.2023 - Current
- Explore customers and help self generated customer's to find their best mortgage solutions
- Call leads and set up meetings with potential customers and establish good rapport with clients to build trust and confidence
- Understand client's financial situation and requirements, do preliminary assessment
- Prepare and submit loan applications
- Liaise with lenders, solicitors, and other parties involved in the process
- Provide regular updates to clients
- Conduct post-settlement follow-ups to maintain positive relationships
Home Loan Specialist
Rams
Auburn-Granville, NSW
11.2021 - 09.2023
- Developed and maintained relationships with local referrals.
- Met with applicants to obtain information for loan applications and Identified valuable solutions for customers with credit problems.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Helped clients fill out loan applications and find ideal loan options.
- Informed customers of application deadlines, approvals or other loan status and helped with loan settlement.
- Complied applications and paperwork and double-checked for accuracy.
- Adhered to all audit and compliance requirements to prevent exposure to unacceptable risk
Credit Assessor
Mortgage Ezy
Sydney, NSW
03.2020 - 10.2021
- Assessed a broad range of home loan applications, including PAYG, Self-employed Income, SMSF income,Foreign income, construction loans.
- Accurate completed loan servicing calculator, reviewed Equifax credit reports,valuation reports and all financial documents to make a decision.
- Familiar with all lending policies and kept all relevant information updated.
- Ensured and maintained compliance with all legislation requirements to reduce credit risks.
Credit Admin Manager
Bank of China
Sydney, NSW
12.2017 - 02.2020
- Processed daily nationwide home loan settlements.
- Reviewed legal certificates, title details, funds disbursement,building insurance and loan contracts.
- Instructed on loan agreements and liaised with solicitors,paralegal and home loan relationship managers.
- Helped with post lending management, loan variation and discharge.
- Supervised and monitored credit risks, compliance with relevant legislation and regulatory requirements and generated monthly APRA report.
Loan Processing Officer
Tiger Home Loan
Sydney, NSW
11.2015 - 11.2017
- Managed and processed a high volume of mortgage applications from start to finish ensuring the process is as seamless as possible.
- Ordered valuation reports, conducted credit checks and searches.
- Structured loan package,reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Organized loan files, updated databases, prepared general correspondence and communicated with stakeholders.
Education
Certificate IV in Finance And Mortgage Broking -
Australian College of Professionals
09.2017
Master of Banking And Finance -
Monash University
10.2015
Skills
- Sales Development
- Financial Analysis
- Problem-Solving
- Attention to Detail
Languages
Chinese (Mandarin)
Native/ Bilingual
English
Full Professional
Timeline
Internal Mortgage Broker
Austroo Finance
10.2023 - Current
Home Loan Specialist
Rams
11.2021 - 09.2023
Credit Assessor
Mortgage Ezy
03.2020 - 10.2021
Credit Admin Manager
Bank of China
12.2017 - 02.2020
Loan Processing Officer
Tiger Home Loan
11.2015 - 11.2017
Certificate IV in Finance And Mortgage Broking -
Australian College of Professionals
Master of Banking And Finance -
Monash University
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