Vinod Kaniti

Highly experienced Australian Mortgage Professional with over 5 years of end-to-end mortgage industry experience and more than 10 years of combined leadership, operations, technology, digital marketing, and client management experience. Currently operating as a Senior Mortgage Broker Assistant and Mortgage Credit Analyst, managing the complete Australian mortgage lifecycle from lead generation through to settlement and post-settlement customer management. Extensive experience in serviceability assessments, lender policy analysis, loan packaging, credit submissions, compliance requirements, settlements, client relationship management, and team leadership.

Possess strong expertise in Australian residential lending and have successfully worked with brokers, aggregators, lenders, BDMs, credit assessors, solicitors, conveyancers, valuers, and clients throughout the loan process. Recognised for leadership capabilities, stakeholder management, operational excellence, and the ability to manage high-volume mortgage applications while maintaining exceptional customer service standards.

Senior Mortgage Broker Assistant | Mortgage Credit Analyst | Operations Team Lead at HEYMITTY Pty Ltd (2019-09 – Present)

Initially joined to support CRM administration, IT operations, digital marketing, and business systems management. Subsequently transitioned into the Australian mortgage industry under the guidance of experienced mortgage brokers and lending professionals. Over time, progressed into a senior mortgage operations role responsible for managing the complete mortgage process from lead generation through to settlement and post-settlement support.

• Manage end-to-end Australian residential mortgage applications.
• Conduct detailed serviceability assessments using lender servicing calculators.
• Analyse lender credit policies and identify suitable lending solutions.
• Review and verify client income, liabilities, expenses, and supporting documents.
• Assess PAYG, self-employed, trust, and company income structures.
• Prepare and package loan submissions for lender assessment.
• Draft lender notes, broker comments, and supporting documentation.
• Liaise directly with clients regarding application requirements and loan progress.
• Coordinate valuation orders and manage valuation outcomes.
• Manage conditional approvals and outstanding lender requirements.
• Prepare pricing requests and negotiate lender discounts.
• Coordinate settlements with lenders, solicitors, and conveyancers.
• Manage post-settlement client support and ongoing customer relationships.
• Lead and support mortgage processing and administrative teams.
• Allocate workload and monitor application progress.
• Review loan files before lodgement to ensure quality and compliance.
• Mentor and train new team members on lender policies and mortgage processes.
• Act as escalation point for complex lending scenarios.
• Coordinate with brokers, BDMs, lenders, aggregators, and compliance teams.
• Assist with lender accreditations and aggregator compliance requirements.
• Assist in lead generation activities.
• Conduct initial client discussions and fact-finding interviews.
• Build long-term relationships with clients throughout the lending journey.
• Maintain customer engagement post-settlement to support future lending opportunities and referrals.
• Successfully supported and managed hundreds of Australian mortgage applications.
• Developed extensive knowledge of Australian lender policies and serviceability requirements.
• Built strong relationships with major lenders, BDMs, aggregators, and clients.
• Successfully transitioned from technology leadership into mortgage operations and became a senior member of the mortgage team.
• Recognised as a trusted point of contact for brokers, processors, lenders, and clients.

Chief Technology Officer (CTO) | Head of IT & Digital Operations at LIKHA BUSINESS SOLUTIONS PVT LTD (2018-01 – 2019-12)

Managed technology operations, digital marketing activities, website development projects, and internal business systems.

• Led software development and website development teams.
• Managed digital marketing campaigns and lead generation initiatives.
• Oversaw graphic design and branding activities.
• Managed CRM systems and business process automation.
• Coordinated project delivery and client communication.
• Supervised cross-functional teams across IT and marketing functions.
• Developed operational processes to improve efficiency and performance.

Front-End Developer | Digital Marketing Consultant at FREELANCE CONSULTANT (2016-01 – 2018-12)

Provided freelance services to multiple clients across website development, digital marketing, graphic design, and business support functions.

• Website development and maintenance.
• Front-end design and implementation.
• Search engine optimisation (SEO).
• Social media marketing.
• Graphic design and branding.
• Client relationship management.
• Project coordination and delivery.

Bachelor of Technology in Mechanical – PPDCET (2014)