Yuan Tian
Hurstville,NSW
Summary
Highly qualified Credit Manager with a proven track record at Westpac and Citibank, has Comprehensive/complex lending/credit skills and experience in both residential mortgage and business/commercial lending, enhancing credit risk management and client satisfaction through meticulous application review and risk assessments. Expert in credit analysis and client relationship management, enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Willingness to take on added responsibilities to meet team goals.
Overview
18
18
years of professional experience
Work History
Credit Manager
Westpac-Rams Home Loans
07.2009 - Current
- Liaise with loan writer and Unisys Variations team regarding post-settlement variations to existing loans as well as processing new loan applications through Originations
- Assist Settlements Team with post formal approval and pre-settlement queries ensuring loans are settled promptly.
- Work cross-functionally with loan writers, management, customer resolutions, settlements, legal & compliance team and auditors to maintain effective operations.
- Order and review valuations and inspection reports for construction loans to ensure each progress payment are made accurately and promptly
- Managed approximately 30 incoming calls, emails and process 20-25 variation files per day
- Review loan application, financials and credit reports to ensure that all relevant data is present, and product recommendations for loans funded are deemed not unsuitable, in ensuring processing timeframes and service level agreements are maintained.
- Improved credit risk management by implementing effective underwriting policies and procedures and help reviewing Variations Training Manual
- Managed workload effectively by prioritizing tasks according to deadlines while maintaining attention to detail in all aspects of the assessment process.
- Understanding of mortgage products, loan programs, interest rates, and lending guidelines and mortgage insurer's underwriting policy
- Proficiently managed a high-volume workload, ensuring that all applications were processed accurately within established timeframes.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Evaluated complex customer profiles using tax documents, company financial statements, credit reports, and industry data to make informed lending decisions.
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Provide guidance and scenario support to loan writers and mortgage support team in preparing and lodging loan applications
Credit Officer
Unisys
03.2009 - 07.2009
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- Reduced delinquency rates by implementing effective portfolio management strategies.
- Streamlined loan approval processes with the development of standardized credit policies and procedures.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Checked appraisals, title information and insurance documents for each property.
- Adhered to banking standards and government lending guidelines for loan services.
Credit Manager
Citibank
03.2006 - 11.2008
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Provide feedback and scenario support to brokers and sales team in preparing and submitting loan applications.
- Providing outstanding and professional customer service to introducers, including brokers and aggregator firms
- Collate and manage all necessary documentation for loan applications, update and maintain customer files and tracking systems.
- Obtained and reviewed credit reports, credit references and financial statements to make sound credit decisions and coordinate other departments to ensure all loan transactions are handled smoothly and records appropriately maintained.
- Manual credit assessment experience ideally in the specialist mortgage lending in both residential and commercial credit assessment
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
Education
Bachelor of Commerce - Marketing
Ocean University of China
Qingdao, China09.2001
Skills
- Hold Delegated Lending Authority of $3 million
- Strong knowledge of the end-to-end mortgage process
- Proven ability to work effectively as part of a team and independently in a very fast-paced environment
- Knowledge of all laws and regulations governing the provision of loans in Australia (National Credit Code Protection Act, Privacy Act and AML/CTF legislation) and residential credit policies and procedures
- Extensive experience verifying and analyzing payslips, bank statements, tax documents, and all other financial documents, and demonstrated ability to identify fraudulent documents
- Excellent written and verbal communication skills - to precisely explain credit decisions to external and internal stakeholders
- Proficient in Mandarin
- High competence with Equifax Comprehensive Credit Reporting and Self-employed and Complex Company/ Trust credit assessment
- Proficiency in computer skills and database management, including Microsoft Office (Excel and Word and PowerPoint), Outlook and Ability to quickly learn and adapt to new software and systems
Languages
English
Bilingual or Proficient (C2)
Chinese (Mandarin)
Bilingual or Proficient (C2)
Timeline
Credit Manager
Westpac-Rams Home Loans
07.2009 - Current
Credit Officer
Unisys
03.2009 - 07.2009
Credit Manager
Citibank
03.2006 - 11.2008
Bachelor of Commerce - Marketing
Ocean University of China
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