Debra Hammond Email and Phone Number

•Collate of loan application documentation from the client via e-mail or fax•Create Loan File•Liaise with clients with out standing documentation and updates referring to there loan application•Check required documentation for loan application (ie: payslips. loan statements & saving statements)•Calculate the loan amount and LVR (loan to valuation ratio)•Create Cost Proposal for the client•Create Lender Comparisons (Lender product information)•Enter loan application details to the banks online systems and the Fincept’s loan tracking system•Completes serviceability calculator and Brief. (back ground on the client)•Submit the loan application via the online bank system

•Receiving mail internally and externally•Create loan packets•Assessing of loan application documentation •Follow up Updating loan details (via SAI Global systems)•Booking discharge settlements (via SAI Global systems)•Creating a repour with the solicitors, our agents (SAI Global) and other financial institutions•Leasing with the discharge team in Perth•Processing the pending queue•Processing the settlement confirmation queue•Dispatching packets to our agents (via SAI Global systems)

•Process LMI applications on a daily bases•Update cancellation spread sheets on a daily bases•Process LMI cancellations via the system

•Processing Increases, Equity, Refinances and Internal Refinances (NSW , VIC, QLD)•Actioning e-mails and telephone inquiries•Drawing loans down and taking the loan to Settlement Status•Mailing out Settlement Letter•Ordering packet s from Custodians•Returning loan packets to Custodians•Providing Customer Service to Internal Staff and External Parties•Primary and Up stamping of Mortgages•Booking in Settlements

•Providing Customer Service to Mortgage Managers•Resetting of Passwords & User Logons•Setup system access for the Mortgage Managers•Order Debit Card & Cheque Book Requests•Charge & Waive Early Repayment Fees•Processing of Loan Renewals & Draw Down Loans•Releasing of Redraw Funds •Approvals for Discharges•Processing of Enforcement Expenses•Mortgage Lending Insurance Cheque Refunds•Checking of Construction Payments•Actioning of e-mails•Reconciliations of Home Loans•Aussie Process, Constructions, Discharges, Checking of Variations, Packet Chasing •File Recall

•Providing Customer Service to Brokers and Solicitors•Certification of Home Loans (Nationally)•Pre pairing Stamping and Registration instructions•Processing Home Loan Documentation for Settlement•Review Home loan Documentation and Re issue of Home Loan Documentation•Up Stamping of Home Loans•Pre pair Solicitor Letters•Notify Brokers of out standing Documentation

•Nomination and selection for a 3 Star Award. (St Georges' Recognition Program)•Releases of new software for two separate front end terminals, to the Branch Network•GST•Electronic Banking, unscheduled Y2K compliance projects, R3 conversion •Loan and Credit Card Statement Ordering•Real time Processing and ongoing maintenance•Integration and support releases. •A CIS data cleansing•Correct system integration •Data conversion inconsistencies and inaccuracies. •Process Unclaimed Monies to Federal Treasury•Closure of accounts•Interactive voice response (IVR) project•Loan Redraws•Term Deposit transfers and Payment method type•BSB Information Service•Voice Enhancements Pause and Skip functions•Regression Testing.•Insurance, decommission of QBE and Royal Sun Alliance Insurance •Seniors Access Home Loan project•Lending Funds Transfer•Internet Payment Gateway (IPG project)•Project Tasks: •Liaison with the Business and IT in order to assess business and testing requirements. •Analysis, documentation •Testing and implementation of any system changes •Maintenance and support.•System Testing: •Development of Test Strategies, Test Plans and Cases•Negotiation for Testing environments•Promotion of any changes into the Production environment.•System Support:•Investigation and analysis of Production problems. •Assessment of the impact of the problems•Implementation of agreed solutions and resolution of the problems in line with business decisions.•Analysis of the impacts from other systems operating simultaneously within the St George Group. •Core Systems: Lending Systems (LIS), Electronic Banking Systems (ATM, EFTPOS, SST GIROPOST)•(IVR) Interactive Voice Response, Phone Banking + System, Insurance, (DDA) Demand Deposit•Account, (TDA) Time Deposit Account•System Maintenance: •Ongoing maintenance of parameters within the different systems•Overall audit of data integrity •System stability.

•Providing Administration Support for Branch Area of responsibility.•Processing and attending to inquiries •Programmed Payments•Outward Dishonours & Manual Dishonours•Statements•Periodical Payments•Cheques (Retrieval and Authorisation up over $10,000)

•System Testing •The development of Test Scripts, Test Plans, Test Data Forms and Cases. •The negotiation for Testing environments, •The logging of Test incidents and faults•Regression Testing.•Promotion and Implementation to the Production System. •Redesign of processes and procedures for the Branch Network•Redesign of forms and processes•Flow charting, transactions and data flow.

•Customer Service and attending to the Banking needs of Customers. •Relieving Supervisor during absence of Branch Manager•Back Office Processing and attending to inquiries for •Daily Branch Banking•Balancing of ATM and Coin Machine•Servicing of ATMs (including after hours)•Process Home Loan Applications and Personal Loan Sign Ups