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BDM in the Spotlight: Kay Yang

Publication Date: Monday, 01 June 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: Kay Yang
Years in the industry: 5
Company: Brighten Home Loans
Location: Sydney

What you did before entering the industry:

I was a licensed conveyancer and worked in a law firm before joining Brighten, where I identified new opportunities while building and maintaining relationships with brokers, developers and other business partners. Before that, I was a loan processor and a settlement officer.

How often do you see brokers in a week?

In a normal week, I have at least three face-to-face formal meetings with brokers every day. I would also spend my lunch and my coffee breaks with brokers for informal catch-ups. That number has doubled since we switched to e-meetings because of the COVID-19 pandemic.

What do brokers want most from you?

I need to be a problem-solver for brokers. On a daily basis I have brokers coming to me with all sorts of queries and problems that need to be solved – the question can be as small as the status of a particular application, or as big as what our credit appetite could be for the next term. Providing a quick and reliable answer is the key.

What is your favourite part of the job?

My favourite part is definitely hosting case study workshops with brokers. During the workshop, I share some complicated live case scenarios and encourage brokers to share their viewpoints. This is a great way to demonstrate our credit appetite and present our products, as well as get feedback directly from brokers. On top of that, the brokers are encouraged to share any scenarios they want. Some scenarios can be really bizarre, so this type of workshop usually has tons of laughs and we actually get a chance to let our hair down.

What distinguishes the best brokers you deal with?

The best brokers are those who have the attitude of learning and adapting. I believe that skills can be taught but attitude is everything. This has especially become the case in recent years with the changing regulatory environment.

Describe your ideal weekend

A warm summer’s day, an icy cold drink, and my daughter having a playdate at her friend’s house.

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

The strangest and also the happiest scenario of my experience so far was when an applicant bought a house and requested a specific settlement date, which was a bit unusual. It turned out that day was his girlfriend’s birthday and he actually proposed to her the same day the loan was settled. She said “yes”, and they went to pick up the keys together!

How do you like your steak done?

A medium rare pan-seared fillet with roast mushrooms is my all-time favourite!

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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