Xingchen (Eddy) Cai
Sydney,NSW
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal and communication skills.
Be competent at working effectively unsupervised and quickly mastering new skills.
Overview
10
10
years of professional experience
Work History
Commercial Lending Advisor
Allycapital Pty Ltd
09.2023 - Current
- Developed and maintained with not only clients networks, but also commerical lenders form other financial institutions.
- Ensured that all financial documentation is accurate, completed, and compliant with applicable regulations before submitting it for approval.
- Maintained relationships with existing customers while seeking out new business opportunities.
- Negotiated loan terms such as interest rates, repayment schedules, and collateral requirements.
- Promoted insurance and products to individuals and businesses and analysed and determined financial viability and productivity of target products and services.
Premier Banking Associate
Commonwealth Bank of Australia
10.2021 - 08.2023
- Collaborated with internal departments such as IT, operations and compliance when necessary.
- Prepared and processed financial documents for client accounts, including loan applications, credit cards and bank statements.
- Provided customer service to ensure satisfaction of Premier banking services and products.
- Reviewed account information to ensure accuracy and compliance with policies and regulations.
- Verified documentation received from customers before entering into the system for processing.
Customer Services Specialist
Commonwealth Bank of Australia
10.2017 - 09.2021
- Having meaningful conversations with customers in order to identify needs and enhance their financial well-being
- Having extensive knowledge on CBA products and processes such as open personal account, credit card, business account and home loan product maintenance and much more
- Resolving customer complaints efficiently through giving them alternatives options and beware of their concerns, and adding value to their day to day banking
- Working collaboratively as a team through mutual assistance to provide customer with the most meaningful and efficient experience possible
- Achieving the personal target and assist branch with each financial year goal.
Retail Sales Specialist
David Jones Limited
01.2016 - 09.2017
- Participated in team meetings to discuss strategies for achieving business goals.
- Processed merchandise returns and exchanges for customers to refund payments, trade items and offer store credit.
- Developed customer relationships by providing product knowledge and offering advice on product selection.
- Engaged positively with each customer, providing professional and polite support for sales and service needs.
Real Estate Agent
AllycapitalanalysesApex Investment Alliance Pty Ltd
01.2014 - 12.2016
- Coordinated appointments with prospective buyers to showcase houses and plots.
- Managed sales pipeline by actively following up with prospects and hot leads.
- Promoted property sales through advertisements, open houses and participation in multiple listing services.
- Provided guidance to clients throughout the entire buying or selling process.
- Performed administrative duties such as preparing paperwork for listing presentations, tracking sales data and updating internal databases.
Education
Bachelor of Commerce - Marketing and Finance
The University of Technology Sydney
Sydney, NSW01.2015
Diploma of International Business -
TAFE Institute NSW
Sydney, NSW01-2012
Diploma of Event Management -
TAFE Institute NSW
Sydney, NSW06-2011
Skills
- Critical Thinking and Can-Do Attitudes
- Client Engagement and Management
- Communication and Interpersonal Skills
- Loan Application Processing
- Risk and Compliance Management
- Time Management Abilities
- Team Collaboration and Coordinations
- Problem-Solving Abilities
Characteristic
- Confidently accepting unknown challenges.
- Proven strong ability to work under pressures.
- Proactive collaboration with colleagues during work.
- Strong sense of responsibility and punctuality.
- Strong time management and good self-learning habit.
Languages
Chinese (Mandarin)
Native/ Bilingual
English
Full Professional
Referees
- Clara Chik: General Manager, 0426 982 888, clara@allycapital.com.au
- Connie Wu: Home Lending Executive, 0412 346 523, connie.wu@cba.com.au
- Graham Dunn: Manager of Premier Banking, 0414 789 276, dunngw@cba.com.au
Timeline
Commercial Lending Advisor
Allycapital Pty Ltd
09.2023 - Current
Premier Banking Associate
Commonwealth Bank of Australia
10.2021 - 08.2023
Customer Services Specialist
Commonwealth Bank of Australia
10.2017 - 09.2021
Retail Sales Specialist
David Jones Limited
01.2016 - 09.2017
Real Estate Agent
AllycapitalanalysesApex Investment Alliance Pty Ltd
01.2014 - 12.2016
Bachelor of Commerce - Marketing and Finance
The University of Technology Sydney
Diploma of International Business -
TAFE Institute NSW
Diploma of Event Management -
TAFE Institute NSW
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