Derna Daloul
Mortgage Loan Officer
Durban,South Africa
Summary
To Whom It May Concern.
Organized Mortgage Loan Officer with 22 years of experience in Mortgage / Administration field. Extensive Mortgage / Administration knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections. Talented Homeloan Specialist with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing deals. Hardworking professional with over 22 years of assisting clients and reviewing credit histories. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
22
22
years of professional experience
1
1
Language
5
5
years of post-secondary education
Work History
HOMELOAN SPECIALIST
DDALOUL HOMELOANS
Durban
07.2023 - Current
- Deal with all major banks of SA, acting on the behalf of potential borrowers to get the best loan for their financial situation
- Develop relationships with real estate agents who then recommend their clients when they are ready to apply for a loan
- Collecting personal information in a loan application, using it to assess a borrower's credit and financial history and explaining the loan process to the applicants
- Use underwriting software to determine how much an applicant can afford to borrow and be able to pay back
- Deal with multiple banks in order to broker the best loan amount and interest rate for their clients
- Liaising with banks for feedback on applications submitted
- Interviewing of clients in terms of mortgage applications
- Opening and closing of files
- Drafting motivations and explanations of any abnormalities for better understanding
- Close the deal by first summarizing the benefits of the relevant product package as it relates to the identified need, then asking for the business
- Update the client on every step of the process after the deal is concluded
- Liaising with various attorneys in order for the registration process to take place.
HOMELOANS CONSULTANT
CAPBUBED / GETGO HOMELOANS
Durban
04.2018 - 06.2023
- Processed loan applications and monitored progress from start to finish.
- Explained very technical financial information to applicants in easy to understand language.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Assisted customers with completing loan applications and other paperwork.
- Developed and maintained relationships with customers, lenders and other third parties.
- Negotiated loan terms and conditions with customers to secure best deal.
SALES SUPPORT ADMINISTRATOR
BOND CHOICE
Durban
11.2016 - 03.2018
- Liaising with banks for feedback on applications submitted
- Updating Consultants / Estate Agents on Feedback of deals submitted
- Interviewing of clients in terms of mortgage applications
- Opening and closing of files
- Liaising with attorneys for feedback on deals registered
- Data Capturing & Credit Checks
CALL CENTRE HOMELOAN CONSULTANT
SA HOMELOANS
Durban
03.2015 - 10.2016
- Identify the primary financial and emotional needs of the potential client by asking open ended questions and then actively listening to their responses
- Pre-qualify the potential client through understanding their background situation and linking it to the credit matrix
- Identify the financial problems / challenges faced by the potential client and the impact it is having on them
- Should potential client not qualify, keep their details for possible future follow-up
- Using outstanding product knowledge, present the features and benefits of a product package to the potential client in such a way that it meets their need and solves their problems
- Explain to the potential client the procedure taken to process their application
- Apply the correct credit criteria when assessing the file
- Drafting motivations and explanations of any abnormalities for better understanding
- Explain all the important figures, conditions and terminology in the LOA.(Final Grant)
- Close the deal by first summarizing the benefits of the relevant product package as it relates to the identified need, then asking for the business
- Update the client on every step of the process after the deal is concluded
- Explain answers to questions from clients accurately and clearly
- Keep in contact with the client even after LOA has been signed., EXPERIENCE
- Knowledge:
- Office administration
- Customer care.
AUCTION ADMINISTRATOR
DALES BROS (PTY) LTD ESTATE
Pinetown
03.2014 - 02.2015
- Attending to Administrative & Secretarial duties
- Admin work & typing for Auctions of Immovable property
- General administrative work & typing
- Typing of sworn appraisals
- In conjunction with other Secretaries; to attend to invoicing & forwarding completed forms top Executors
- Keeping track of all receipts of payments for appraisals, commissions & recoverable costs etc.Relieving the receptionist as per Roster.
PERSONAL ASSISTANT
ZOE DALES
02.2011 - 12.2013
- Updating Consultants / Estate Agents on Feedback of deals submitted
- Opening and closing of files
- Data Capturing
- Credit Checks
- Emailing
- Income Calculations
- Resolving queries
- Scanning / Faxing
- Attending to all personal related queries.
SALES SUPPORT
BOND CHOICE PTY LTD
Durban
02.2010 - 01.2011
- Liaising with banks for feedback on applications submitted Updating Consultants / Estate Agents on Feedback of deals submitted Interviewing of clients in terms of mortgage applications Opening and closing of files Liaising with attorneys for feedback on deals registered Data Capturing & Credit Checks
RECEPTIONIST
INGWE REAL ESTATE
Durban
10.2008 - 02.2009
- Liaising with banks for feedback on applications submitted Updating Consultants / Estate Agents on Feedback of deals submitted Interviewing of clients in terms of mortgage applications Opening and closing of files Liaising with attorneys for feedback on deals registered
CALL CENTRE
CITY SPRINT
LONDON
07.2005 - 02.2007
- Assisting clients with bookings of various vehicle types Transferring of calls to various departments Assisting with account queries Ensuring packages are delivered timorously
- Ensuring first class customer service
PERSONAL ASSISTANT
BETTERBOND
Durban
10.2001 - 04.2005
- Displayed absolute discretion at handling confidential information.
- Maintained appropriate filing of personal and professional documentation.
- Kept detailed track of household and maintenance inventory and schedules.
- Oversaw personal and professional calendars and coordinated appointments for future events.
- Responded to emails and other correspondence to facilitate communication and enhance business processes.
- Attended meetings, took notes and tracked action items.
Education
Matriculated Grade 12 - Matriculated
Hillview Secondary School
Durban South Africa 01.1996 - 12.2000
Skills
Analytical and problem solving skillsundefined
Reading . Listening to music. Arts. Travelling.
I enjoy reading. Listening to music is very calming and enjoyable. I enjoy the arts , design and crafts. Travelling is a great opportunity as it opens your mind up to many different cultures , environments , people, and sceneries.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
It is never too late to be what you might have been.
George Eliot
Personal Info
Married
2 Dependants
Code 8 Licence
Timeline
HOMELOAN SPECIALIST
DDALOUL HOMELOANS
07.2023 - Current
HOMELOANS CONSULTANT
CAPBUBED / GETGO HOMELOANS
04.2018 - 06.2023
SALES SUPPORT ADMINISTRATOR
BOND CHOICE
11.2016 - 03.2018
CALL CENTRE HOMELOAN CONSULTANT
SA HOMELOANS
03.2015 - 10.2016
AUCTION ADMINISTRATOR
DALES BROS (PTY) LTD ESTATE
03.2014 - 02.2015
PERSONAL ASSISTANT
ZOE DALES
02.2011 - 12.2013
SALES SUPPORT
BOND CHOICE PTY LTD
02.2010 - 01.2011
RECEPTIONIST
INGWE REAL ESTATE
10.2008 - 02.2009
CALL CENTRE
CITY SPRINT
07.2005 - 02.2007
PERSONAL ASSISTANT
BETTERBOND
10.2001 - 04.2005
Matriculated Grade 12 - Matriculated
Hillview Secondary School
01.1996 - 12.2000
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