Maria Brown has over 15 years of experience in banking and finance. She currently works as a Service Coordinator and Credit Analyst at AMP Bank, where she analyzes loan applications, assesses creditworthiness, and ensures compliance. Previously, she held roles as a Settlements Officer, Credit Support Officer, and Customer Service Officer at Seiza Capital and Wizard, where she processed loans, verified documents, and generated leads. Maria has a Bachelor's Degree in English Literature and strong communication, analytical, and customer service skills.

1. Resume
Contact Details
Name: Maria Brown
Address: 15 Tallwood Place
St Clair NSW 2759
Australia
Phone: 02 9670 3530
Mobile 0423929334
Email Address: mcudillo@yahoo.co.in
Education/Qualifications
Institution: Loreto College – Calcutta University
City/Country: India
Qualifications: Bachelors Degree in English Literature with Political Science &
Economics
Completed: 2002
Skill Summary
Non Technical Skills: Strong sense of teamwork,
Ability to plan, promote and use own time and resources effectively
Actively looking for ways to help people
Display sound judgment.
Professional attitude towards both the internal & external environment
Exceptional Communication skills by communicating effectively in writing
as appropriate for the needs of the audience
Ability to work well under pressure & maintain service level agreements
Identifying complex problems and reviewing related information to develop
and evaluate options and implement solutions.
Using logic and reasoning to identify the strengths and weaknesses of
alternative solutions, conclusions or approaches to problems.
Instructing - Teaching others how to do something.
Service Orientation - Actively looking for ways to help people
Computer Skills:
Jackson, Lotus Notes; MS Excel;
MS Office; MS Word; MS Windows; NTBS, BPMS

2. Employment History
AMP Bank
Start Date: November 2007
End Date: N/A - Current
Position/Title: Service Co-ordinator – Credit Analyst
Responsibilities/
Skills:
• Checking Loan Applications are filled out correctly and are complete
prior to processing.
• Entering Loan Application data onto the system
• Approve loans within specified limits, and refer loan applications
outside those limits to management for approval.
• Analyse applicants' financial status, credit, and property evaluations to
determine feasibility of granting loans.
• Review and update credit and loan files. Do credits check on the
borrowing entity through Veda, thereby assessing the credit report to
pick up on any credit related issues that might be of any impediment
to the borrower’s application for a loan
• Read valuations and see if the security property adheres to standards
for financing.
• Review loan agreements to ensure that they are complete and
accurate according to policy
Collating and assessing of all financial documents like payslips, home
loan refinance statements, credit card statements so as to assess the
borrowers’ borrowing capacity.
• Monitoring & reviewing the pipeline of loan applications, loans in
presettlement and settled loans to ensure that problems/corrections
are identified and completed;
• Liaising with AMP’s originators, planners and solicitors, including
answering queries and relaying queries to the originators.
• Handle customer complaints and take appropriate action to resolve
them.

3. SKILLS:-
• Skill to recognise, analyse and solve problems
• Have been able to use judgement with operational and people issues
in an objective and professional way
• Ability to handle high volumes and work effectively under pressure
• High level attention to detail and commitment to quality
• Ability to multitask i.e. processing between calls
• Passionate about helping people Positive attitude and desire to make
a difference
• Flexible & willing to try different approaches to reach successful
outcomes
• Strong understanding of compliance framework and obligations and
consequences on non-compliance
• Timekeeping and ability to keep to deadlines
• Conflict Resolution and negotiation skills
ACHIEVEMENTS:-
• An in depth understanding of the structure and set up of SMSF (Self
Managed Superfund loans)
• An in depth understanding of the structure and set up of complex
company trust loans
• Training and coaching brokers, planners and staff on the above
• Creating training material as reference for all staff members
• Obtaining and retaining a DLA(Delegated Lending Authority) of
$750,000.00

4. Seiza Capital
Start Date: July 2006
End Date: August 2007
Position/Title: Settlements Officer & Credit Support Officer
Responsibilities/
Achievements:
A: Settlements Officer
• Checking returned Letters of Offer for correct execution and no
alterations; following up on altered Letters Of Offer until final Letter
received;
• Monitoring the commitment fee account to determine that all funds
have been collected as required and that funds are remitted to
settlement required;
• Monitoring & reviewing the pipeline of loan applications, loans
in Presettlement, and settled loans to ensure that problems &
corrections are identified and completed;
• Liaising with Seiza’s settlement agent, including answering queries
and relaying queries to the originators;
• Collecting Managers’ Certificates and Solicitors Certificates as
required on settlement day, review them for exceptions, clear
exceptions with Credit and create funding package for lender
once all exceptions are cleared;
• Track funds due to Seiza Mortgage for upfront fees, title
insurance fees and trails and chase for collection as required;
• Review payments out for upfront payments and trail ensuring
amounts are as agreed;
• Providing data & weekly statistics of settled loans
B: Credit Support Officer
• Checking Loan Applications are filled out correctly and complete prior
to processing.

5. • Entering Loan Application data onto the system
•
• Read valuations and see if the security property adheres to policy
standards for financing.
• Do credits check on the borrowing entity through Veda, assess the
credit report to pick up on any credit related
issues that might be of any impediment to the borrowers’
application for a loan.
• Collating all financial documents like Tax Statements, Profit &
Loss statements, payslips to access the borrowers’
borrowing capacity.
• Filling out the Debt Service Ratio (DSR) calculator.
WIZARD
Start Date: January - 2006
End Date: July - 2006
Position/Title: Credit Support Officer & Settlements Officer
Responsibilities/
Achievements:
A: Settlements Officer/Credit Support Officer
• Settling loans and going through loan agreements
• Clear fax machine and certification box
• Order the files
• Sort the Loan Certification to the correct file
• Checking Certification and emailing solicitors regarding errors on the
certifications

6. • Inputting errors into the Error Log Report
• Enter insurance policy details, title details and ANA details onto the
system
• Fund the loan once everything is correct
• Answering solicitors and branch enquiries via email and phone
• Conducting employment checks
• Generating reports on service levels
• Allocating deals to credit officers
• Checking property valuations and entering then into the system
• Liaising with valuers and mobile lending managers
.
WIZARD
Start Date: Apr 2004
End Date: December 2005
Position/Title: Customer Service Officer
Responsibilities/
Achievements:
A: Lead Generation Officer and Customer Service Operator
• Converting customer enquiries to sales leads for Wizard branches
• Making inbound survey calls
• Processing email applications
• Attending to calls regarding Wizard products
• Handling transactional enquiries

7. Referees
Jessica Lillis
Phone: 02 9768 3421
Organisation/Position: AMP Bank –Team Leader/Product Manager
Neil Bray
Phone: 02 9768 3187
Organisation/Position: AMP Bank –Team Leader