Vanessa Lim
Singapore
Summary
Banking professional with 10 years’ experience in secured and unsecured lending, delivering exceptional customer service and managing banking transactions with accuracy and compliance. Skilled team player who thrives independently and collaboratively to drive results and client satisfaction.
Overview
14
14
years of professional experience
Work History
Mortgage Broker
MoneySmart Group
02.2025 - Current
- Achieved and surpassed monthly loan targets exceeding SGD 20M in approved loan volume, serving a wide range of clients from first-time homeowners to seasoned investors.
- Delivered average savings of 0.3% - 0.5% in interest rates for clients by comparing and negotiating packages across 16 banks, saving some clients up to five figures in interest costs.
- Customized mortgage solutions for residential, commercial, and industrial properties, aligning loan structures with clients' long-term financial goals.
- Negotiated exclusive rates and flexible loan structures with 16 partner banks, ensuring clients benefit from options unavailable through direct bank channels.
- Provided end-to-end advisory, from property financing strategies to risk management (TDSR, MSR, and interest rate risks), ensuring clients make informed decisions.
- Streamlined the loan application and approval process, improving speed and accuracy by leveraging both internal and external systems, while ensuring 100% compliance with MAS regulations.
- Regularly monitored Singapore's property and interest rate trends, delivering market insights to help clients time their loan decisions effectively.
Mortgage Specialist - Assistant Vice President
United Overseas Bank
07.2022 - 12.2024
- Exceeded personal annual KPI by 200% from 2022 to Present, winning Gold Qualifier Top Mortgage Specialist in Q4-2022, Platinum award on Q1-2023, and Platinum Elite award on Q3 & Q4-2023.
- Managed direct leads from the bank, including online, call center, and branch referrals, and promoted client referral programs.
- Enhanced client trust in the organization through transparent communication and consistent delivery on commitments.
- Achieved high customer retention rate through exceptional relationship management and personalized service.
- Provided comprehensive financial guidance to clients, recommending suitable mortgage products based on their needs and goals.
- Conducted cold calls to existing clients to explore new mortgage opportunities.
- Closed cases in a competitive environment by emphasizing product value and fostering client relationships.
Citigold Mortgage Advisor
Citibank
11.2021 - 06.2022
- Received top rookie reward in 2022 with an A++ grading.
- Work independently & take charge of my own time and go for sales visits and presentations to potential customer.
- Collaborated with real estate agents, broker, lawfirm and internal staff to establish referral networks, fostering mutually beneficial partnerships.
- Educated first-time homebuyers about available financing options and guided them through each stage of the mortgage application process.
- Developed comprehensive marketing materials to attract new clients while maintaining a professional image consistent with the company brand.
- Managed a diverse portfolio of clients, effectively addressing their individual needs and concerns during the mortgage application process.
- Conducted thorough risk assessments on potential borrowers, safeguarding the company's financial interests while providing appropriate financing options.
Senior Business Development Manager
Standard Chartered Bank
11.2017 - 10.2021
- Provided marketing solutions for various unsecured facilities, managed customer relationships, and handled administrative tasks to ensure smooth operations and customer satisfaction.
- Managed customer relationships with follow-up procedures and ensured clarity when needed.
- Increased sales revenue by strategically identifying and pursuing new business opportunities.
- Collaborated with team members to achieve targets and positive outcomes for clients and the bank.
- Exceeded annual sales targets consistently by cultivating a high-performance team culture focused on results.
Senior Loan Specialist
Maybank
06.2016 - 09.2017
- Directly marketed balance transfer and personal loans through telemarketing to potential leads.
- Collaborated with credit analysts to develop comprehensive borrower profiles, leading to better-informed lending decisions.
- Provided exceptional customer service, resolving complex issues and maintaining strong relationships with key clients.
- Managed customer relationships with follow-up procedures and provided clarity when needed.
- Handled basic administrative duties including data entry and document processing for clients.
- Exceeded personal annual KPI by 300%.
Loan Officer
United Overseas Bank
01.2015 - 05.2016
- Conducted direct marketing of balance transfer and personal loan services through telemarketing to potential leads.
- Provided solutions to customer inquiries and determined client needs with regards to their banking requirements.
- Collaborated with team members to achieve targets and positive outcomes for clients and the bank.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Submitted loan applications to underwriter for verification and recommendations.
Team Manager
New York Skin Solutions Singapore
06.2011 - 12.2014
- Managed team behavior to exceed sales targets, leading to monthly branch success and surpassing company expectations.
- Implemented strategies to drive sales performance and motivate team members to achieve exceptional results.
- Achieved 300% of KPI, top performer in the company.
- Led employee relations through effective communication, coaching, training, and development.
- Boosted employee satisfaction through regular performance reviews, constructive feedback, and personal development plans.
- Enhanced team productivity by implementing efficient task delegation and time management strategies.
Education
Diploma - Banking And Finance
PSB Academy
Marina Square, Singapore04.2018
Life Insurance And Investment- Linked Polices(M9A)
Singapore College of Insurance
11-2025
Personal General Insurance ( PGI )
Singapore College Of Insurance
02.2021
Basic Insurance Concept And Principles ( BCP )
Singapore College Of Insurance
02.2021
Investment Management - Knowledge To Practice
Singapore Management University
11.2024
Bachelor of Arts - BA, Business Adminstration
Coventry University
04.2001 -
Skills
Collaboration & Team Work
Time Management
Ability to Work Under Pressure
Customer Relationship Management (CRM)
Direct Sale
Communication
Fast learner
Residential mortgage lending regulations
Telesales
Sale Management
Strong negotiation skills
Customer service and support
Timeline
Mortgage Broker
MoneySmart Group
02.2025 - Current
Mortgage Specialist - Assistant Vice President
United Overseas Bank
07.2022 - 12.2024
Citigold Mortgage Advisor
Citibank
11.2021 - 06.2022
Senior Business Development Manager
Standard Chartered Bank
11.2017 - 10.2021
Senior Loan Specialist
Maybank
06.2016 - 09.2017
Loan Officer
United Overseas Bank
01.2015 - 05.2016
Team Manager
New York Skin Solutions Singapore
06.2011 - 12.2014
Bachelor of Arts - BA, Business Adminstration
Coventry University
04.2001 -
Personal General Insurance ( PGI )
Singapore College Of Insurance
Basic Insurance Concept And Principles ( BCP )
Singapore College Of Insurance
Investment Management - Knowledge To Practice
Singapore Management University
Diploma - Banking And Finance
PSB Academy
Life Insurance And Investment- Linked Polices(M9A)
Singapore College of Insurance