Kimberly Daabay

Experienced Credit and Mortgage Underwriting Professional with 10+ years in banking and fintech lending, specializing in residential mortgage assessment, credit risk analysis, and financial verification. Strong background in evaluating borrower serviceability, reviewing income documents, and ensuring compliance with Australian responsible lending guidelines. Proven ability to manage high-volume applications with accuracy while supporting brokers and lending teams in fast-paced environments.

Highly adaptable to AU business hours with extensive remote work experience.

Loan Processor - AB Mortgage Solutions - Remote, Australia

(2024-10 - 2026-05)

• Conduct serviceability calculations across multiple lenders based on client briefs and broker confirmation.
• Research lender credit policies and identify suitable loan options aligned with Best Interest Duty (BID) obligations
• Manage loan file progression from submission through to settlement, including conditions and valuation follow-ups
• Liaise with lenders, BDMs, solicitors, valuers, and other parties as required
• Track application progress and update notes, statuses, and stakeholders
• Assist with post-approval / settlement coordination tasks

Credit Analyst - Bank of the Philippine Islands (BPI) - Lapasan, Cagayan de Oro City, Misamis Oriental, Philippines

(2013-11 - 2024-10)

• Performed comprehensive credit analysis for retail loans– real estate loan, auto loan, and SME loan applications, assessing borrower risk using financial data, credit reports, and repayment history
• Reviewed and approved loan applications in compliance with internal credit policies and regulatory standards
• Conducted background checks – employment verification, business verification, trade checking, and cross check submitted income documents like COE, payslips, ITR, and bank statements
• Requested field real estate appraisals, personal data verification, and business verification
• Maintained high accuracy in credit documentation and risk evaluation, supporting sound lending decisions
• Collaborated with internal teams to resolve discrepancies and improve turnaround time
• Recognized as Top 1 Credit Analyst (Auto Loan, Q3 2019) and Employee of the Year (2019)

Marketing Assistant - The Loop – Communities Cagayan Inc. - Cagayan de Oro City, Philippines

(2013-04 - 2013-10)

• Assisted in sales planning, execution, and coordination
• Created and maintained marketing calendars
• Managed administrative duties and handle day-to-day coordination

Bachelor of Science in Business Administration - Marketing Management - Xavier University Ateneo de Cagayan (2009 - 2013)