IRENE MAE G. LIRAZAN
Taguig City
Summary
With over 9 years of experience in the Australian and New Zealand mortgage industry, working across loan processing, credit assessment and customer service. I bring strong understanding of end to end lending processes, attention to detail and the ability to work closely with both clients and teams. I am eager to grow further into a Credit Analyst role where I can apply my skills in credit evaluation and risk assessment.
Overview
12
12
years of professional experience
Work History
Credit Administration Officer
RESI Mortgage
03.2025 - 09.2025
- Optimized credit application workflows, resulting in faster processing and improved efficiency.
- Evaluated credit risk by analyzing financial statements and credit histories of applicants.
- Conducted initial pre-assessments on credit and income, and reviewed servicing capacity and policy alignment.
- Developed and maintained relationships with internal teams to facilitate seamless communication regarding credit policies.
- Maintained proactive communication with brokers and clients to ensure clarity and efficient processing.
- Prepared and submitted complete loan applications to credit assessors for decisioning.
Lending Specialist
Resimac Group Ltd
07.2022 - 02.2025
- Ensure that leads are actioned and contacted in a timely manner
- Implementation of effective follow up procedures to enhance lead to application conversion
- Assess serviceability and other key credit criteria to ensure the lending solution presented is suitable for the borrower in addition to packaging a quality deal correctly for assessment by the underwriting team
- Ensure any correspondence sent to the borrowers is factually correct
- Educated clients on various lending products available, helping them make informed decisions that best suited their financial goals.
- Collaborated with underwriting team to ensure adherence to lending guidelines while maintaining client confidentiality throughout the process.
Retention Assist
Resimac Group Ltd
03.2023 - 08.2023
- Process applicants rate review request
- Process rate change
- Sending rate change confirmation
Loan Support Officer
Resimac Group Ltd
01.2018 - 07.2022
- Verify if conditional documents sent by Brokers are sufficient
- Completion of mandatory checklist for a credit application
- Preparing and issuing approvals to the brokers
- Issuing decline letters to the brokers
- Updating application status and checklist of the applications
- Linking relevant application documents
- Preparing Title Search for panel solicitors
- Process mortgage insurance for approvals
- Reviewing valuation reports
- Preparing Title Search for panel solicitors
- Reviewing conditions of the application
- Reworking formally approved files if needed
Pre-credit Officer
Resimac Group Ltd
01.2016 - 01.2018
- Packaging supporting documents sent by the Brokers
- Initial screening of the applications
- Data quality check for online applications
- Ordering individual and commercial credit reports
- Ordering valuation report via Valex system (CoreLogic)
- Performing employment confirmation for PAYE clients
NSM Account Resolution Specialist
Tata Consultancy Services
01.2014 - 01.2016
- Established appropriate current foreclosure status of assigned accounts and provide proper solution/options
- Provided loss mitigation options such as loan modification, repayments, deed-in-lieu of foreclosure, short sale, refinance, and forbearance
- Strive for first call resolution and adherence to all applicable regulations
- Responds to inquiries and complaints about the account from a borrower in a professional manner
- Determine the borrower's financial position and ability to repay debts to suggest a possible solution to mitigate losses
- Document all collection efforts in accordance with the established standards
- Skip tracing
- Researches and analyzes accounts prior to contacting the borrower; assesses past collection efforts
- Participated in all trainings on collection process and procedures
- Provide an optimal level of client service at all times
Education
BS - Computer Science
Arellano University
01.2008
Skills
- Proficient in English Language (Written and Verbal)
- Customer Service Oriented
- Keen to Details
- Strong Work Ethic
- Willingness to Learn and Improve
- Embodies Positive Attitude
- Accepts Supervision and Criticisms
- Problem-Solving Skills
- Loan recommendations
- Inbound and outbound calls
Systems
- RUS
- MTS
- SALESFORCE
- APPLYONLINE
- VALEX
- GENWORTH
- CORELOGIC TITLE SEARCH
- TAX PRACTITIONER BOARD WEBSITE
- ABN LOOKUP WEBSITE
- WHITEPAGES
- EQUIFAX
- LOANWORKS
- FINACLE
- DOCUWEB
Timeline
Credit Administration Officer
RESI Mortgage
03.2025 - 09.2025
Retention Assist
Resimac Group Ltd
03.2023 - 08.2023
Lending Specialist
Resimac Group Ltd
07.2022 - 02.2025
Loan Support Officer
Resimac Group Ltd
01.2018 - 07.2022
Pre-credit Officer
Resimac Group Ltd
01.2016 - 01.2018
NSM Account Resolution Specialist
Tata Consultancy Services
01.2014 - 01.2016
BS - Computer Science
Arellano University
Similar Profiles
Manasa BasavarajuManasa Basavaraju
Assistant Manager at Resi Support Pvt LtdAssistant Manager at Resi Support Pvt Ltd
Marjorie MacKinnonMarjorie MacKinnon
Residential Counselor at Resi-Care C.B. AssociationResidential Counselor at Resi-Care C.B. Association
Kiley CuffKiley Cuff
Residential Care Worker at Resi-Care AssociationResidential Care Worker at Resi-Care Association
JERRELIN C. OGATISJERRELIN C. OGATIS
Technical Engineer/Logistics Team Lead at San Miguel Corporation Multi - Services Inc.Technical Engineer/Logistics Team Lead at San Miguel Corporation Multi - Services Inc.
KATHRINE ROSE VICENTEKATHRINE ROSE VICENTE
Sales Support Associate II at Cocogen InsuranceSales Support Associate II at Cocogen Insurance