1. SUNNY SIDDIQUI
117C Darcy Road, Tel : (02) 9631 0563 (After Hour)
Wentworthville, NSW 2145 Mob : 0412 726 010
E-mail : sajeda8@bigpond.com
______________________________________________________________________________________________
CAREER OBJECTIVES:
I would like to be engaged in the ongoing evolution of the Business Development and Relationship
Management through understanding the business model as well as building useful relationship both with
internal and external stakeholders. It is now over 14 years for me starting as a Credit Analyst and then made
my move steadily as underwriter in residential mortgage industry, later joined in Sales in same industry. In
the past I had the opportunity to work for larger organisations involved offering the services like mortgage
insurance, deposit bond and residential loans for home buyers, later engaged in sales in same industry. I
have prepared myself now to take up more challenging assignment in coming years. It is my belief that the
long associations at different levels of lending institutions as well as relatively smaller and medium size
mortgage managers in same industry and experiences in varying levels here locally as well as in overseas in
sales helped me immensely in my carrier progression.
The objective is to utilize my comprehensive knowledge in credit management and sales, using excellent
negotiation skill through effective communication to achieve greater results for employer through
generating higher business revenue and winning peoples’ trust. Together with this take my career to a
progressive direction within organisation.
CAREER SUMMARY:
- 2 years in Sales as BDM/Relationship Manager.
- 12 years’ experience as Underwriting Executive in Residential Lending/Mortgages.
- A year experience as Credit Card Validation Officer.
- Over 2 years experience as Salesman in Finance Market and Capital Machinery market in
Europe and in Asia.
EDUCATION:
1989 Masters of Business Administration (Major in Marketing), University of Dhaka, Bangladesh.
1986 Bachelor of Commerce, University of Dhaka, Bangladesh.
BUSINESS TRAINING:
May 2011 Completed On-line Certification course on NCCP, Privacy, Anti Money Laundering and
Counter Terrorism, Competition and Consumer Law
September 2008 Completed On-Line Certification course on UCCC, Privacy Act, and Compliance Essentials
offered by MFAA.
May 2008 Completed On-Line Certification course on AML/CT Act offered by MFAA.
July 2005 Completed On-Line Certification course on UCCC and on Privacy Act offered by MFAA.
August 2002 Diploma Course on Mortgage Lending Law at Securities Institute of Australia in Sydney in
association with MIAA.
February 2001 Diploma Course on Mortgage Credit Analysis at Securities Institute of Australia in Sydney
in association with MIAA.
October 2000 Diploma Course on Mortgage Funding and Risk Management at Securities Institute of
Australia in Sydney in association with MIAA.
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2. 1993 Certificate course on Pre-Press, Offset Press and Post Press designing organized by TETTERODE-
NEDERLAND B.V., held in Amsterdam, The Netherlands.
1993 Course on Salesmen Training organized by HEIDELBERG SCHULUNG VERKAUF, held in
Heidelberg, Germany.
1990 Customer Support Representative Training organized by TELERATE FINANCIAL INFORMATION
NETWORK (Asia-Pacific) Ltd., held in Hong Kong.
WORK SKILL AND ABILITIES:
Computer Skills
I have acquired excellent skills and good understanding of W4W, Excel, and M.Y.O.B.
Communication and Motivational Skills
- Communication with influence, Strategic thinking ability and Negotiation skills.
- Problem solving skill, Dispute resolution skill and Instant decision making capability.
- I have developed knowledge and abilities in Reporting.
- Experience in preparation and Presentation of professional Training to clients.
- Ability to work in a team environment and busy high volume areas. At the same time maintain
high service level.
- Self motivated and result oriented attitude.
WORK EXPERIENCE:
Credit Officer Citigroup Pty Ltd
Since June 2013 til to date Building: F, 1 Homebush Bay Drive, Rhodes, NSW 2138
General Responsibilities
• Actioning new applications for residential loans from
submission to settlement (End to End process) in line with
Credit policy.
• Understanding and applying the policies and guidelines
related to residential lending.
• Building relationships with Mortgage Insurers as well as
other Business Stakeholder.
• Liaise proactively with Brokers, Mobile Lenders and BDMs
to deliver services on time to achieve positive results for the
business.
• Participate in various training programs for up skilling to
meet competitive market advancement.
• Provide mentoring to Brokers, Mobile Lenders and related
parties.
• Maintain and enhance current technical knowledge.
• Display high ethical standards and carry out
responsibilities in accordance with relevant legislation.
• Maintain positive and productive work relationship with
team members.
• Use with proper diligence the DLA of $0.750 million in
approving residential loans unconditionally.
Reason for leaving Enthusiastic to take up more challenging role.
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3. Senior Credit Officer The Paladin Process Pty Ltd
Since January 2010 to April 2013 Level: 34, 101 Miller Street, North Sydney, NSW 2060
General Responsibilities
• Actioning new applications for residential loans from
submission to settlement and variations in line with credit
policy.
• Understanding and practicing with clarity the policies and
guidelines related to residential lending from different
Funding Partners in the business.
• Ensuring statutory codes and other compliance
requirements are met.
• Building relationships with Mortgage Insurers as well as
other core Business Partners.
• Mentoring junior team members in decision making
process and participating in team building activities.
• Liaise proactively with Brand Partners and deliver services
to achieve positive results for the business.
• Training and up skilling existing staff.
• Providing mentoring to relationship managers, broker
networks, and all associated administration.
• Maintain and enhance current technical knowledge.
• Display high ethical standards and carry out
responsibilities in accordance with relevant legislation.
• Maintain positive and productive work relationship with
team members.
• Use with proper diligence the DLA of $1.20 million in
approving residential loans unconditionally.
Reason for leaving Better Employment Offer received from Citigroup Pty Ltd.
Credit Analyst National Australia Bank, Broker Services (Retail Banking)
Since July 2008 to December 2009 50 Miller Road, North Sydney, NSW
General Responsibilities
• Analyse the Credit Risk Aspects and Financial viability
attaching to consumer applications for finance
• Make decision to Approve or Decline applications that fit
within Delegated Commitment Authority (DCA).
• Ensure timely response to Applications.
• Anticipate and provide proactive direction to applications
that may fall outside the policy.
• Perform detail analysis of Customers financial position and
make quality decisions within DCA
• Ensure compliance standards are met.
• Assist and coach Bankers/brokers in understanding and
accepting policies and decisions.
• Held DCA/DLA of $750,000.00.
Reason for leaving Better Employment Offer received from The Paladin
Process Pty Ltd.
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4. BDM/Relationship Manager ALLCO Finance Group Limited
August, 2006 – April 2008 Level: 4, 10 Bridge Street, Sydney 2000
Achievements & General Responsibilities
• Achieving Sales objectives and meeting KPI's.
• Helped generating a portfolio of over $900 million in
mortgage in approx 12 months.
• Consistent individual track record of settlement approx.
Aus$12.0million every month. As a team member
contributed to group settlement from $25million per month
in July 06 to over $107million per month in May 07. Held a
DLA of $1.0million up to Conditional Approval stage.
• Managed Internal and External marketing strategies.
Worked closely with Operation Department and
contributed to policy amendments and alterations via
facilitating current rules introduced by the regulatory
bodies in Lending Industry.
• Assisted with the development of market leading product
range covering the full credit risk spectrum i.e. prime to
non-prime and sub-prime asset lend.
• Actively involved and played key role in various in-house
project works to improve loan processing system/SLAs and
faster settlement of loans to generate higher business
revenue and thus meeting various group targets.
• Analyse feedback from the external market regarding
Marketing strategies and applying this information into
constructive solutions to maximise future sales
opportunities.
• Applying a high level of analysis to ensure that the Third
Party, Direct Sales, Customer and Group's needs are
considered to maximise all sales opportunities.
• Monitoring the activities and sales practices of competitors
that impact the Third Party market and apply this
knowledge when communicating internally and externally
to leverage all possible sales opportunities.
• Handling internal and external complaints or queries to
facilitate a resolution of their needs, in a manner that
balanced the needs of the Group.
• Conducting structured coaching and training sessions for
Originators Management and Sales representatives.
• Working with Originator's product developers to
implement products into their distribution networks.
• Took care of 10 top Mortgage Managers businesses in NSW
which include organisations like - Wizard Home Loans,
AFM (Australian First Mortgage), IDEN Group, Mortgage
House of Australia, X-Inc/EMOCA.
Reason for leaving The residential lending and leasing business division
were orderly shut-down in April 2008. Marketing and
Sales staffs were offered redundancy in March 2008.
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5. Underwriter Pepper Home Loans
May 2005 – July, 2006 Level: 3, 146 Arthur Street, North Sydney
NSW 2060
Duties Involved
• Assessment of credit impaired borrowers’ residential loan
applications for both purchases and refinances.
• Constant update credit/risk assessment knowledge through
participation in different seminars organised by Industry
Regulatory Bodies and/or different Financial Investors.
• Duties also covered what stated below and in addition to that
build up relationships with new clients to generate more
business revenue for the company.
• Participation in Product launching/seminars. Exchange views
and bring in new ideas to upgrade service level.
• Take responsibility by going extra mile to help client (s) when
needed.
Reason for leaving I was head hunted by Head of Sales of Möbius Financial
Services P/L, a subsidiary of ALLCO Finance Group to
promote specialized products as White Label Service
Provider to Residential as well as Commercial Lending
Industry.
Account Manager (Underwriting) Genworth Financial Services (Former GE Mortgage Insurance)
April, 2001 – April 2005 Level: 23, 101 Miller Street, North Sydney, NSW 2060
Duties Involved
• Underwrite loan applications according to lending guidelines
and delegation and sign offs where appropriate.
• Ensure Privacy Act, legal and ethical standards are maintained.
• Account management including credit, risk, sales volumes and
customer performance reports.
• Organise structured training and coaching sessions on:
- operational management and risk minimizations to internal
staff;
- products, policies and fraud prevention in relation to credit
assessment on residential lending to external customers.
• Held a residential lending delegation (DLA) up to $750,000.
• Dealt in different times with Corporate/Premium/Business/
Retail banking divisions of few top banks in Australia
including: AMP, CBA, CBA 3rd
Party, Citibank, HSBC,
Homeside Lending, and Macquarie. Managed their portfolios
for housing loans.
• Managed a team of 5 people as Senior Underwriter ensuring
credit assessments are met policy guidelines, sign offs on deals,
and managing service level agreements (SLA) for external
customers.
• Monitoring team performance and workflow management
• Customer relationship building and networking including
client visits and industry events.
• Assist Audit Department through providing regular reports on
clients’ quality standards and integrity.
Reason for leaving Approached by Underwriting Team Leader of Pepper Home
Loans previously worked with me at Genworth Mortgage
Insurance.
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6. Underwriting Executive ROYAL & SUNALLIANCE INSURANCE AUSTRALIA LTD.
July, 1999 – March, 2001 465 Victoria Avenue, Chatswood, NSW 2067.
Duties Involved Checking of all loan applications details for compliance within
agreed parameters and service standards of Royal &
Sunalliance Insurance. This includes:
• Credit and borrowing capacity checks i.e. extract individual &
commercial CRAA reports on borrowers, review of
payslips/tax returns, employment confirmation.
• Underwrite and risk assessment of residential loan applications
submitted for purchases and/or refinances and consolidations
of debts.
• Liaison with Mortgage Originators, Lenders and Solicitors.
• Verifications of statutory forms and personal identifications.
• Review of residential property inspection reports.
• Dealt with and managed the portfolio of housing loans for
INTERSTAR (currently known as CHALLENGER Group), first
Non Bank financial institution in Australia.
• Held LMI residential lending delegation (DLA) up to $450,000.
• Organise Deposit Bond to facilitate exchange Contract of Sales
(COS) for customers on new purchases.
• Premium allocation on settled loan applications.
• Assurance of data compliance and customer service.
Reason for leaving Line Manager at RSA joined GE Mortgage Insurance and
approached me to join him.
Contractor (Business Banking) ANZ BANKING GROUP (Transaction Processing Centre)
April, 1999- June, 1999 100 Pacific Highway, North Sydney, NSW.
Duties Involved
• Ensure the timely and accurate completion of loan
drawdown/rollovers/repayments.
• Complete timely and accurate instructions to back office for
loan rollovers and drawdown in accordance with approved
credit and loan documentation parameters. Accurately record
interest rates/limits and fees on Bank systems and liaise with
internal business units and external parties where necessary.
• Assist in the preparation and execution of new debt
transactions.
• Coordinate with Institutional frontline, product partners and
external customers for the successful implementation and
ongoing management of new transactions. Specific duties
include arranging and opening of accounts, setting up
spreadsheets and extracting and recording pertinent
information from credit and loan documentation.
• Ensure the Bank’s source systems are maintained in an accurate
and efficient manner.
• Accurately maintain Institutional client information in the
Banks source systems including limits, exposures, rates, risk
grades, covenants, valuations etc. in accordance with credit
approval, Bank policy and legal documentation, ensuring non-
compliance is escalated to appropriate personnel within
specified timeframes to enable decisions to be made. Ensure
monitoring requirements are documented and followed up in a
timely manner.
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7. • Reporting to Melbourne H.Q. on daily activities.
• Electronic Funds transfer across Australia.
• Periodical Payments.
• Opening of new business transaction accounts.
• Closing of business accounts.
• Transfer of funds of business accounts to Short Term Accounts.
• Transfer of funds to One Day Term Deposit.
Reason for leaving Permanent F/T position was offered by Royal & Sunalliance.
Credit Card Validation Officer ANZ Bank Limited
January, 1995 – December 1995 2 Dilkusha Commercial Area, Dhaka, Bangladesh.
Duties Involved
• Listing and evaluation of applicants’ information provided with
application forms applying for Credit Cards.
• Employment verification and credit check of card applicants.
• Coordinating the issuance of Credit Card to successful
applicants.
• Issuance of letters to Credit Card holders requesting for
payments.
• Interpreting and clarifying the Bank’s procedures and policies
to customers and answering to their various queries.
• Coordinating In-house training for front desk customer service
officers.
• Cross sale of other products and services of the bank available
to customers (e.g. Term Deposit, Managed Funds, Margin
Loans, and Portfolio Management).
Sales Executive (Asia-Pacific) TETTERODE-NEDERLAND B.V.
September 1992 – October 1994 Willem de Zwijgerlaan 334, 1055 RD Amsterdam,
The Netherlands
Duties Involved
• Involved over two years in selling capital machineries related to
digital and offset printing to Asia-Pacific region. Duties
involved travelling to the Asia-Pacific region (countries like:
South Korea, Taiwan, Hong Kong, Pakistan, India, Bangladesh
and Sri Lanka) for sales, meeting big conglomerate and closing
deals for different projects (turn-key basis).
• Conducting scheduled training sessions with existing clients
and agents on new advanced technologies in coming years as
well as more knowledge on effective use of existing offset
printing presses.
• Assisting clients to understand the importance of maintaining
adequate stock of spare parts and printing materials in cases of
sudden work orders/businesses from market.
• Meeting yearly target set by the employer.
• Organise and scheduling factory training for Managers of
projects in different countries whenever offset printing presses
are sold.
• Assisting agents in preparation of pricing schedules to
participate in Tenders.
• Monitoring economical/GDP growth for those countries and
forecast future growth for businesses.
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8. Sales Representative TELERATE FINANCIAL INFORMATION NETWORK
(Finance/News/Commodity) (Asia-Pacific) Ltd., a US financial company in Hong Kong
January 1992 – June 1992
Duties Involved
• Introducing the intellectual technologies to the prospective
users in the Finance/News market.
• Sell “real time” services on share markets specially covering
NY/London/Hong Kong/Germany/France. Also wide
coverage on commodity markets and mining industries all over
the world.
• Selling of news on Current Affairs world-wide coverage.
• Promotion and sell of Intellectual information such as
observations and comments from experts on volatility in
financial markets and battle amongst major Foreign Currencies
(FX) especially US$, UK£ and Japanese¥.
• Preparing in house as well as on site demo for prospective
clients. Running training sessions.
• Meeting KPIs.
REFEREES:
Angelo Malizis
Ex-Director, Sales & Marketing
ALLCO Finance Group Limited
Level: 4, 10 Bridge Street, Sydney 2000
Mob: 0417 060 221
Martin Henry
Ex-CEO, TMIC (The Mortgage Insurance Company)
(Ex Operation Manager, Royal & Sunalliance Australia Holdings
Ltd)
Level: 4, 10 Bridge Street, Sydney 2000.
Mob: 0401 337 917
James Old
Manager, Risk & Compliances
Genworth Mortgage Insurance Services
Level 24, 101 Miller Street, North Sydney, NSW 2060
Tel: (02) 8248 2539 Mob: 0412 225 771
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