Experience

Unconditional Finance

• Australia
• Banking

• Principal Finance Broker

  • Jan 2018 - Present

  I have founded Unconditional Finance which has become an award winning mortgage broking company specialising in residential, commercial, investment lending and development finance. I have founded Unconditional Finance which has become an award winning mortgage broking company specialising in residential, commercial, investment lending and development finance.



Self-employed

• Real Estate
• 1 - 100 Employee

• Mortgage Consultant

  • Jan 2018 - Present

  Build rapport and leverage customer relationships with existing and potential borrowers with the goal of meeting their needs and exceeding their expectations. Analyze customers' financial situations and provide the appropriate solution by advising customers as to the appropriate loan product for them. Structure and price loans accurately. Follow up with multiple customer and work on multiple files each day. Lock loans at point of sale, request initial documents from the customer, and submit an initial, paperless loan package to production staff. Review active loan files each day to determine if any documents are missing or what can be done to help the process along. Ensure Complete Customer satisfaction. Operate as the key Point of contact during the process responsibilities including updating status, reviewing disclosures, presenting any counter offers and going over closing statement prior to closing. Show less



Australian Credit and Finance

• Australia
• Financial Services
• 1 - 100 Employee

• Senior Mortgage Broker

  • Mar 2016 - Dec 2017

  Managed and directed the daily activities of the team (processing and closing functions) while providing support to the sales staff. Provided support and training for all mortgage staff on operational guidelines and provide training to expand skill sets. Established operational objectives and delegate assignments. Worked within a team environment to meet and/or exceed all goals and objectives. Continually evaluated processes to ensure maximum efficiency, high quality, and excellent customer service. Resolved escalated customer service issues between departments and foster team-building throughout. Maintained working knowledge of all company’s programs to ensure loans conform to requirements through the loan process. Utilized technology, including but not limited to improve efficiency and the borrower experience. Maintained a positive and effective work environment. Show less



Clarity Financial Group

• United States
• Financial Services
• 1 - 100 Employee

• Mortgage Broker

  • Feb 2015 - Mar 2016

  Assessed and qualified loans with a high degree of accuracy complying with all industry and company standards. Qualified clients by a range of financial criteria as set out in the training manuals of each Lender. Demonstrated a sound knowledge of a range of finance products available on product list, such as Home Loans, mortgage off-set accounts, line of credit facilities, fixed rate loans, personal loans and lo-doc loans. Interviewed, informed clients and adequately educated clients with respect to the finance process. Displayed a high level of customer service to all clients including being available for interview outside of normal hours (including weekends). Sourced and fostered relationships with referral sources to maximise business intake and develop personal marketing initiatives. Processed volume and cross referral targets whilst maintaining compliance standards. Ensured all settled files meet the company’s minimum compliance standards. Show less



National Australia Bank

• United Kingdom
• Banking
• 1 - 100 Employee

• Business Development Manager

  • Feb 2008 - Feb 2015

  𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗗𝗲𝘃𝗲𝗹𝗼𝗽𝗺𝗲𝗻𝘁 𝗧𝗮𝘀𝗸𝘀: Proactively found and managed high-value Mortgage Brokers to achieve specific lending volume and retention targets and contributed to overall portfolio growth. Developed a sound understanding of the Broker's business to identify product and service opportunities and to assist them in running a better business that is aligned to our offerings. Conducted Broker Accreditation workshops and Market Education Program sessions. Discussed Loan Scenarios and Structure with Mortgage Brokers. Wrote recommendations to credit to support complex Loan submissions. Attended Broker / Industry functions and events. Met with aggregator BDMs to educate them on our service proposition and products. 𝗥𝗲𝗹𝗮𝘁𝗶𝗼𝗻𝘀𝗵𝗶𝗽 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁 𝘁𝗮𝘀𝗸𝘀: Conducted regular, planned Sales Calls with structured objectives and outcomes. Formally captured Sales Call outcomes using Customer Relationship Management (CRM) software. Monitored Sales pipeline to ensure sales budgets are achieved and initiate planned activities to rectify when necessary. Managed and leveraged internal relationships to deliver a comprehensive, competitive and quality service experience to broker businesses. Responded to queries regarding product, pricing, policy and process with allocated Brokers. Effectively completed Annual Broker Reviews and Quarterly Updates with key business stakeholders Show less



John Charcol

• United Kingdom
• Financial Services

• Sales Associate

  • Sep 2006 - Dec 2007

  Was the assistant to 6 mortgage brokers within John Charcol. Submitted clients' loan applications to the various lenders we dealt with and answered any scenario questions they had. Achieved quarterly targets (Based on completing a certain percentage of my clients pipeline) Ensured all cases are followed up every 3 working days to achieve TCF (Treating your Customer Fairly) guidelines. Informed clients of all updates throughout their application and delivered excellent customer service. Acted as the direct contact for any customer queries and liaised with clients so that they have a positive opinion of the John Charcol service. Updated my brokers on the main parts of the process, valuation, offer, exchange and completion. Liaised with all lenders, relationship managers and solicitors to ensure their cases are efficiently processed and to supply any outstanding information these parties may require. Checked all mortgage offers to confirm they correctly match all Key Facts Illustrations. Ensured the correct fees are collected on completion. Show less