Catherine Umpacan
Mortgage Loan Processor/ Variation And Construction Officer / Trust Management And Treasury Account Officer / Discharges Support/ Bookkeeper
Biñan
Summary
Experienced with processing loan applications and managing client documentation, ensuring seamless end-to-end loan approvals. Utilizes strong organizational skills to manage loan documentation and coordinate effectively with stakeholders. Track record of maintaining compliance and accuracy, delivering high-quality service in fast-paced environment. Seeking to leverage extensive knowledge and experience to take on a new challenge in a Mortgage Loan Processor role.
Overview
12
12
years of professional experience
Work History
Trust Management and Treasury Account Officer
Resimac Ltd (Galilee Business Support Services)
04.2024 - 03.2025
- Directly reports to the Head of Trust Management and assists Trust Management & Accounting teams.
- Processes Trust Invoices and monitors liquidity in trust’s bank accounts.
- Prepares monthly General Ledger reconciliations, uploading journals, and running reports.
- Prepares loan Transfers, Payment Instructions, and monthly reports like Monthly Cascade and Accruals.
- Ensures proper authorization and processing of stakeholder requests and transactions.
- Prepares routine ad hoc reports for internal and external distribution.
- Assists with uploading and checking monthly reporting to Investor websites.
- Trains new team members and manages the group inbox effectively.
- Provides general and administrative support to the Trust Management team.
- Experience with Microsoft D365, Blackline, Tango, TMS and Finacle.
Variations and Construction Officer
Resimac Ltd (Galilee Business Support Services)
10.2019 - 03.2024
- Complete loan applications with high accuracy and fast turnaround.
- Preparing various loan-related documents such as loan increases, rate conversion, partial discharges, substitutions, change of security use, and Deed of Priority.
- Involved in the preparation and registration of plans for different situations like subdivisions, Notice of Death, Transfer of name, Variation of Ownership, Release of Borrower, Strata Application, Positive Covenant, Bankruptcy, and Transmission Application.
- Tasks also involve making changes to loan structures like Dynamic Repayments, Portion Consolidation, Portion Realignment, Limit Reduction, Portion Split, and Portion Closure.
- Instructing lenders and solicitors to prepare necessary documentation for partial discharge, consent, and/or security substitution. Negotiating with clients regarding changes in loan structure for partial discharge requests.
- Obtain necessary approvals and documents from clients and lenders for mortgage variations and applications.
- Ensure compliance with lender requirements for documentation and certificates of title.
- Manage customer queries and issues related to variations to ensure high satisfaction levels.
- Prepare and process payout figures, security packets, variation agreements, and confirmation letters.
- Confirm closure of accounts with specific lenders and handle process improvement initiatives collaboratively.
- Organising valuation and inspection reports as needed and maintain organized communication channels with clients.
- Data Entry and CRM Management - Experience with Apply Online
Discharges Officer
Resimac Ltd (Galilee Business Support Services)
09.2017 - 10.2019
- Enhanced collaboration opportunities by building effective relationships with key stakeholders.
- Handled inbound communications efficiently across multiple channels.
- Managed archiving process through scanning and offsite storage of discharged files.
- Generated and finalized Discharge Forms in alignment with lender specifications.
- Sent discharge notifications to borrowers and conveyancers via email or fax.
- Delivered indicative and final payout details for quality assurance.
- Assisted Settlement Support Team when necessary.
- Managed multiple inboxes and delegated tasks to team members.
- Mentored junior staff members, helping them develop their skills and advance in their careers.
- Improved department efficiency by streamlining and implementing policies and processes.
- Implemented process improvements that streamlined workflows, reducing redundancies and increasing operational efficiency.
Loan Operation Officer
Australia And New Zealand Bank (ANZ)
12.2016 - 08.2017
- Responsible for managing the creation of various banking documents in Private and Retail Bank, including Letter of Offer and process documentation.
- Handles account cancellations, specifically Moneyline Accounts, and ensures accurate processing of Moneyline account openings for Retail Bank.
- Prepares a range of letters such as Capital Repayments Letter, Letter of Interest Rate Change, RAS Letter, Progressive Letter, and Full Redemption Letters.
- Answers customer queries via email and manages multiple inboxes while assigning tasks to the team.
- Experience in using ICBS system.
Teller
Commonwealth Rural Bank Inc.
06.2013 - 08.2016
- Processed customer transactions promptly, minimizing wait times.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Maintained cash drawer accuracy by conducting regular audits and implementing effective cash handling practices.
- Maintained up-to-date knowledge of bank products, services, promotions, policies, regulations to better assist customers with their financial needs.
- Demonstrated adaptability during peak business hours by multitasking and prioritizing tasks to maintain efficiency and quality of service.
- Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
- Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
Savings and Loans Bookkeeper
Commonwealth Rural Bank Inc.
06.2013 - 08.2016
- Oversee financial record accuracy for loans and savings accounts, detailing transactions, balances, and interest calculations.
- Verified balances and rectified discrepancies for precise financial reporting.
- Assessed financial data to align with standards governing loans and savings accounts.
- Maintained compliance with established guidelines for loans and savings accounts through participation in audits.
- Delivered exceptional customer service by addressing client inquiries and resolving issues.
- Identified opportunities for process improvement to enhance efficiency.
- Conducted due diligence to uphold AMLC procedures
- Performed identity verification, record updates, and risk assessments to maintain compliance and prevent fraudulent activities.
- Identified and reported transactions involving high-risk entities.
- Monitored regulatory changes to ensure adherence to relevant laws and regulations.
Junior Bookkeeper
Commonwealth Rural Bank Inc.
06.2013 - 08.2016
- Created staff expense and reimbursement tracker in Excel.
- Increased efficiency in financial record keeping by accurately entering and categorizing transactions.
- Ensured accuracy of financial data by performing regular internal audits and identifying discrepancies.
- Enhanced financial decision-making by creating clear and concise reports for management review.
- Collaborated with senior bookkeeper to complete complex tasks such as tax filings, contributing to timely submissions and compliance with regulations.
- Worked closely with the senior bookkeeper to ensure seamless handoff of tasks during periods of absence or transition.
- Assisted with payroll processing, ensuring employees received accurate paychecks in a timely manner.
- Supported inventory management efforts by tracking purchases, sales, and adjustments in real-time using accounting software.
- Assisted with year-end closing activities, including adjusting journal entries, preparing trial balances, and compiling financial statements for review by external auditors or tax preparers.
- Assisted with month-end closing procedures, resulting in timely and accurate financial reporting.
- Improved cash flow management by diligently monitoring accounts receivable and following up on overdue payments.
- Continuously updated knowledge of bookkeeping best practices through professional development courses or seminars.
- Reconciled bank statements on a monthly basis to ensure accurate account balances were maintained.
- Maintained organized filing system for important financial documents, ensuring easy access and retrieval when needed.
- Filed invoices with processed checks to maintain orderly accounting filing system.
- Provided comprehensive accounting support to company by managing functions like payroll, accounts payable, accounts receivable, and business expense processing.
- Gathered, evaluated and summarized account data in detailed financial reports.
Education
Bachelor Of Business Administration - Banking And Finance
Isabela State University
Cauayan City, Isabela04.2013
Skills
File management and Document review
Mortgage Loan processing expertise
Loan closing procedures
Verifying information and Data Entry
Teamwork and collaboration
Adaptability and flexibility
Verbal and written communication
Organizational skills and attention to details
Cash management expertise
Funds transfer pricing
Treasury operations efficiency
Financial analysis and reporting
Bookkeeping
Invoice processing
Financial recordkeeping
Expert in Microsoft Office
Timeline
Trust Management and Treasury Account Officer
Resimac Ltd (Galilee Business Support Services)
04.2024 - 03.2025
Variations and Construction Officer
Resimac Ltd (Galilee Business Support Services)
10.2019 - 03.2024
Discharges Officer
Resimac Ltd (Galilee Business Support Services)
09.2017 - 10.2019
Loan Operation Officer
Australia And New Zealand Bank (ANZ)
12.2016 - 08.2017
Teller
Commonwealth Rural Bank Inc.
06.2013 - 08.2016
Savings and Loans Bookkeeper
Commonwealth Rural Bank Inc.
06.2013 - 08.2016
Junior Bookkeeper
Commonwealth Rural Bank Inc.
06.2013 - 08.2016
Bachelor Of Business Administration - Banking And Finance
Isabela State University