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Thought I should reply to a few... I'm not trying to drum up business. I've never given a number or put a signiture on my posts. I've not replied to any private messages. Only reply in posts. Thats the way a real forum should be! Open and Honest! For future reference I am happy to...

Hi Christine, Thanks for the feedback. I've actually been in the industry almost 15 years ( I keep telling people 11 but I've being saying that for 3 years). Ive worked in commercial credit, retail credit, as a BDM and credit training manager. Have also been a broker and get round 80K p/a...

In terms of on the spot approval:- Anything that has residential security and meets servicing. If there is a policy breach - e.g. Unpaid Default over $500, Shortfall in servicing, Or bad conduct on accounts, the file needs to go to a credit manager. They usually come back the same day or at...

I love these forums... It is worth noting that with volume requirements now in place, most individual brokers do not have access to all 4 major banks or many smaller banks e.g. ST George. As brokers offer a wide range of products they also don't understand the finer details of bank policy...