Darika Simasermsukkul Email & Phone Number

Australia

- Assess client’s borrowing capacity by analyzing their financial position, goals and objectives using tools such as funds to complete calculator, lender serviceability calculator, LMI calculator and product finder.- Complete income assessment for PAYG, self-employed (Sole trader, company, trust, partnership, self- funded retiree) applicants.- Restructuring and reworking deals to provide effective solutions that make sense for the business and the applicants.- Workshop with lenders’ BDM/loan scenario team.- Liaise with lenders for credit policies, application progress and file escalation.- Reviewing valuations, the risk involved with the security and assessing if it is within our appetite.- Complete and send credit proposal documents and privacy forms to clients.- Submitting all types of applications including low doc/full doc/SMSF with all relevant supporting notes.- Providing effective communication with internal mortgage brokers, BDMs while managing expectations around deadlines and decisions.- Maintaining a strong relationship with all network members.

Sydney, New South Wales, Australia

- Liase with clients to understand their goals and objective and financial position.- Request and verify all supporting documents.- Complete income assessment for PAYG and self-employed applicants- Assess existing commitments.- Evaluated client financial positions and identified most appropriate banking products.- Prepare home loan purchasing and refinancing application and compliance forms for PAYG and Self- Employed customers.- Manage pipeline of application files from lodgement to formal approval.- Performed daily maintenance of loan applicant database.

Sydney, Australia

 Assist factory manager, supervisors and project controllers responding to inquiries. Coordinate factory projects to schedule deliveries and pipeline. General administration duties including time-sheet management for all employees and maintaining inventory management systems and stock levels.

Thailand

- Oversee business lending requests ranging from individual vehicles to a fleet of up to 800 units.- Educate prospective clients on the intricacies of leasing, highlighting its concept, advantages, and potential considerations, while providing a thorough understanding of terms and conditions.- Applied financial interpretation and negotiation skills to illustrate complex quotations to stakeholders with subject knowledge ranging from basic to technical.- Possess a comprehensive understanding of the costs associated with each quotation, and meticulously verify the accuracy of all input data.- Financial analysis, preparation, review and recommendation of originating credit proposals based on current market, individual business and industry trends to support to risk management team.- Identifying and converting new business opportunities with existing and potential clients.- Represented the company for large corporate bids (Auto Leasing) contracts up to $5M-$30M AUD while using commercial acumen and technical experience to secure deals in a competitive environment.- Ensure business lending enquiries are deal with efficiently and competently through effective and structured client relationship management, and that retention of members is achieved through provision of excellent customer service.

Bangkok Metropolitan Area, Thailand

 Initial analysis of home loan applicants' financial status, credit and property valuations to determine feasibility of loan approvals within credit and compliance frameworks for submission to Head of Department for sign-off. Provided detailed consultation to clients on lending products available to enable informed decisions on lending solutions for their situation. Preparing loan proposals and documents for new lending and execution of facility agreement. Certified for alternate investments ie. Stocks, Money Market Fund, Equity Fund and ETC.  Increasing profit of the bank by recommend clients to invest their capital in products option through giving the right solution on their need.

Certificate Iv, Finance And Mortgage Broking

Qualification, Accounting

Master'S Degree, Human Resources Development, 3.84

Bachelor'S Degree, Journalism