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BDM in the Spotlight: Jimmy Hou

Publication Date: Monday, 06 October 2020
This article originally appeared in Mortgage Professional Australia

BDM in the spotlight asks a different BDM the same questions – giving you regular insights into the lives of some of the top BDMs in the country.

Name: Jimmy Hou
Years in the industry: Six
Company: Brighten Home Loans
Location: Melbourne

What you did before entering the industry?

After graduating from the University of Bridgeport, I worked in China at Standard Chartered Bank for over five years as a customer service manager, before relocating to Melbourne and starting my career in the lending sector.

How often do you see brokers in a week?

Due to the pandemic and restrictions in Melbourne, it’s currently not possible to meet brokers face-to-face. However, with technology it’s possible to connect with them via e-meetings or phone calls, which I try to arrange as much as possible during the week. Although it’s not quite the same as a face-to-face meeting, it’s important to continue to build rapport and provide support to the broker partners in this changing environment.

What do brokers want most from you?

I believe brokers see me as a bridge to Brighten. I’m here not only to provide them with timely information about new products or changes in requirements, but also to assist them with any product enquires or recommendations.

What is your favourite part of the job?

I really enjoy discussing scenarios with brokers, and seeing the loan applications progress from submission to settlement. The rapport I build with brokers during the application process enables me to have a strong business relationship with them. They know that I’m here to assist them. It’s a win-win for all parties – for us as a credit provider, to have new and repeated business from the brokers, and for the brokers to grow their portfolio.

What distinguishes the best brokers you deal with?

They are passionate about their business and passionate about helping their clients find the right loans to meet their needs. They are able to put together a quality loan submission with minimal reworks.

Describe your ideal weekend

I enjoy spending an afternoon on the beach with my family during summer, and catching up with friends indoors during winter.

What’s the strangest lending scenario you’ve ever encountered?

I recalled that a loan applicant failed our KYC process, because she looked totally different from the photo on her ID. It turned out that she had recently undergone cosmetic surgery.

How do you like your steak done?

Grilled medium-rare Wagyu rib eye with a glass of Pinot Noir to complement it.

What our customers and partners say about us

Their ability to work with clients with such high customer service level and fast processing speed is incredible.


I have been working with my BDM, Mikai Ning, for two years. Since meeting her, she has continued to impress me with her professionalism, her efficiency, and her patience to listen and explaining all information. Even during pregnancy period, she even said to me personally that if there is anything I require, that Mikai is still contactable and will get back to me as soon as she can. Her attitude is always super nice and is highly passionate about what she does. I have been in this field for so many years and she is the best BDM I have worked with.

Lulu, Accredited Broker

Great review for Mikai Ning. Not only is she highly passionate, but she is also very hard working and highly detail oriented in her work. No matter what time of the day, or day of week, she will always get back to us. We highly appreciate Mikai and Brighten for their hard work and ongoing support.

Fan, Accredited Broker

Brighten’s BDM, Liwen, has left a very impressive impression. Whether it is policy or product, she can solve and fix any problem, big or small, she is always reaching out and supporting us. From the beginning, It has been great to work with Brighten’s vastly experience team and great products. I always recommend Brighten to all my clients.

Jinkai, Accredited Broker

Mikai is a very passionate and proactive person. Our work with Mikai has is nothing but positive outcomes and we look forward to continuing working Brighten and Mikai.

Alan, Accredited Broker

My BDM Leo Liu has been a great help in assisting me setting up the referral program and educating in terms of products and knowledge. I look forward to the greater relationship with Brighten Home Loan and Leo Liu.

Anthony, Accredited Broker

Mikai is our BDM and she is a very detail oriented with great work ethic and speed. If there is a policy update, she will always try and get in touch with us as soon as possible to ensure that we received and understand the relevant changes so that we can better accommodate our clients. Thank you for your ongoing support to us brokers.

Terry, Accredited Broker

It has been very convenient with the interest rates being lower also. Brighten home loan was able to solve so many problems for overseas clients. Big thanks to BDM Mikai for all her support.

Yuhui, Accredited Broker

I need to thank my BDM Liwen Liu. She has been very responsible since the beginning. She is always patient with my home loan scenario enquires. She always tries to do best for the clients. Liwen is very professional, always gives good advice to brokers. She is an excellent BDM. Thank you.

Jakie, Accredited Broker

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