Phil Morgan – Personal Mortgage Adviser
Mobile: 0427 151 066
Phil Morgan’s business philosophy is to deliver “Triple A Service”, by being available for his clients “Anytime, Anywhere, Anyhow”.
“Over my 25-year career in the banking and finance industry, I have built my reputation on delivering service first, sale second. I am committed to providing the professional service that I would expect myself,” he says.
“I support my clients by listening carefully to their wants and needs to get an understanding of their motivations and objectives. I then formulate a decision/recommendation that aligns with their circumstances and make a point of involving them in all decision-making.”
As well as providing expert assistance and guidance over the loan application period, Phil remains available to his clients after settlement. “To ensure the loan continues to benefit my clients over the long term, I offer ongoing customer support for the duration of their loan.”
Friendly and approachable, Phil prides himself on building rapport and connecting with clients on a personal level. “I enjoy getting to know my customers, the sport they play or follow, or finding out more about their occupation and what it entails.” Over the years he has built a loyal customer base that generates repeat and referral business.
Phil’s expertise is underpinned by extensive industry experience. “I have been in involved in home loans and business lending since 1989,” he says. “Prior to joining Smartline, I worked with ANZ Bank for 22 years, including 16 years in a lending environment.”
He has received a number of industry awards for client care and high achievement, both individually and as part of a team, and says the most rewarding aspect of being an adviser is being able to help clients achieve their goals of home ownership. “Nothing beats a client’s excitement when a loan application is approved.”
Outside of work, Phil is an avid Dockers supporter and enjoys golfing, jogging, and spending time with his daughter.
Phil has the expertise and resources to assist with all types of loans, including Home & Investment loans, Commercial loans, Rural finance, Asset finance and Personal loans. He is a long-term resident of South West WA, and offers a mobile service across the region. “I’m fully accessible to clients, whether it’s in the office or at their place,” he says. “I always enjoy a catch up at my clients’ residence if this suits them better.”
- Smartline High Achievement Award 2013, 2014, 2017, 2018, 2019
- Smartline Franchise Owner of the Year WA Winner 2017, 2019*
- Smartline Franchise Owner of the Year Finalist 2013, 2014, 2018*
* team member of
- Smartline Client Care Award 2018
- Smartline Marketing Champion WA Winner 2017
- Smartline Marketing Champion Finalist 2014
Sandy Bocchetti – PA
Sandy Bocchetti joined Smatline in 2014 in a Personal Assistant role. Sandy brings 30 years of banking experience with ANZ to Smartline. Sandy has an extensive knowledge of banking and finance having worked in many different areas of the ANZ with the last 10 years in the commercial lending department.
Sandy was raised in Bunbury and loves the community and lifestyle the city offers.
Lorna Burden – PA
Lorna joined the Smartline team in February 2016 and brings over 30 years’ experience in the finance industry with her. She has worked for the Bunbury branches of the Commonwealth and ANZ Banks, covering a variety of roles including customer service, settlements, lending and assistant manager.
Lorna completed a Diploma in Finance (Conveyancing) in 2010 during her time as a settlement agent, and believes that her knowledge and experience in both banking and conveyancing industries will assist in her role as PA.
Lorna enjoys travelling and spending time with her family.
Janine Cole – PA
Janine Cole has joined the team at Smartline Bunbury Team as a personal assistant. With a professional background in finance, high-level organisational skills and customer-focused approach, Janine is always ready to assist you throughout the borrowing process.
Janine is experienced in the finance industry, having spent 12 years as Home & Investment Lending Manager with a big-four bank. ‘During this time, my duties included interviewing and signing up customers, processing applications, and liaising with brokers, settlement agents and real estate agents,’ she says.
Her professionalism has earned several awards for excellence, including Top Mortgage File Compliance and Mortgage Sales for Regional Australia. ‘I achieved these awards by having a great knowledge of banking procedures and policies, and maintaining a close, trusting relationship with my customers,’ she explains.
She provides essential administrative support and liaison in the Team to ensure all customers’ loans are processed in a timely and efficient manner.