P Gopal

• Assess loan applications where the customer is looking to purchase a property, refinance existing loans, or refinance from other financial institutions.
• Assess credit reports, focusing on repayment history, credit scores, and outstanding debts to determine the borrower's creditworthiness and repayment capacity.
• Verify income sources, analyze employment stability, and calculate the debt-to income (DTI) ratio to ensure the borrower's ability to repay the loan .
• Verify the valuation report, check risk ratings, and calculate the Loan-to-Value (LTV) ratio to ensure the property meets lending requirements
• Review assets, savings, gifts, and deposits to confirm the borrower has sufficient funds for the down payment and financial stability.
• Analyze Letters of Explanation (LOX) to gain insights into borrower circumstances and provide a holistic underwriting perspective.

Operational Representative March 2020 to July 2022 (Loans Admin)

Switch loan products between fixed and variable as per customer request.

• Change loan category between investment and owner-occupied.
• Process outstanding transfers as per 600 Dairy request.
• Set up BSB accounts and update repayment frequencies for direct debits.
• Create and activate loan packages based on customer requirements.
• Activate internet banking (IVR) for loans as per customer request.
• Process redraw requests to withdraw extra repayments from the loan account.
• Manage and maintain the offset account, ensuring proper linkage with the loan.
• Download and send duplicate loan statements from Starlink to the customer's mailing address