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BDM in the Spotlight: Mikai Ning

Publication Date: Monday, 13 July 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: Mikai Ning
Years in the industry: Nine
Company: Brighten Home Loans
Location: Sydney

What you did before entering the industry?

I worked in retail banking, foreign exchange and then business banking for two of the big four banks. But prior to that, I was a jewellery trader in Hong Kong, specialising in pearls – South Sea pearls, Japanese Akoya, Chinese freshwater pearls, you name it!

How often do you see brokers in a week?

I see brokers almost every day, they are like family to me. Even though we don’t meet face-to-face given the current circumstances, we’re always on the phone, in Zoom meetings and using social media to communicate.

What do brokers want most from you?

Information regarding our lending policy, scenarios and submissions. Brokers are dealing with many banks and varieties of products, and as a business development manager representing Brighten, being able to clearly deliver and educate brokers about what we do is crucial. In a way, we help brokers to understand better and achieve the most in their busy schedule.

What is your favourite part of the job?

I really enjoy building rapport with brokers and meeting their other business partners, the opportunities are endless. I also love seeing brokers grow and become successful, it is exciting to be part of their journey.

What distinguishes the best brokers you deal with?

I must say, brokers who are passionate, hungry to learn and fully understand their customers are the best to deal with.

Describe your ideal weekend

Weekends before having a baby were all about sharing good food with family and friends. Now that I am a new mum, I am working hard to train my little one to become a foodie like me.

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

There are too many strange ones to mention, but there is one that I will never forget. One non-resident customer’s main income was derived from the rental of his 100-plus unencumbered property portfolio. When the broker asked for evidence of ownership and rental income to support his serviceability, it took the customer days to find his title deeds and rental income statement. What a great problem to have!

How do you like your steak done?

I like a good cut of medium-rare Bistecca alla Fiorentina.

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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