Oct 2023 – Jul 2025 · 1 yr 9 mos · Sydney, New South Wales, Australia · Hybrid

Jun 2022 – Oct 2023 · 1 yr 4 mos · Sydney, New South Wales, Australia

• Managing a portfolio of over 70 Business Borrowing Clients across different industries e.g. Transport, Property Development, Retail.
• Looking After Commercial Lending needs of Existing and New Business Clients with turnover of up to $10M and Commercial Lending Needs of up to $1.5M. Residential lending Needs of up to $5M.
• To successfully exceed client’s expectations and needs, conducting Business Development Calls and building strong working relationships with Internal Stakeholders in Retail Banking, Commercial Credit, Cash management and Merchant Services.
• Proactively Establish Centers of Influence (COI) in business community including Brokers, Accountants, Real Estate Agents, and Solicitors to develop and maintain effective referral sources. Participate in Community activities, charitable and social events that materially contribute to business development.
• Look after End-to-End Business Transaction from Opportunity Identification, Workshopping Deal, Deal Submission to Settlement.
• Demonstrating to business owners and decision-makers strong cross-selling abilities for both consumer and business products.

Jan 2021 – Jun 2022 · 1 yr 5 mos

• Conduct Assessments on Residential Mortgage Applications for PAYG, Companies Trust, Sole Traders, and Partnerships.
• Preparing and Deal Structuring of Loan Application to recommend and present to higher credit, with sufficient commentary and mitigants.
• Company, Trust Applicant DLA Authority of $5M.
• Conducting Detailed Analysis of Financial Statements, Tax Returns and Cash Flow Forecasts to ensure serviceability is met and client fits in within St George’s risk Appetite.
• Communicate and maintain a professional relationship with Brokers daily to ensure optimal solution is given to the clients.
• Targeting team development by conducting presentations and workshops to improve learning.
• Used Variety of Systems such as OVB , DOS and SOL to further assist in completion of the role.
• Conduct Analyses on Valuations and study Contract of Sales to ensure loan Application is thoroughly assessed.
• Ensuring growth of portfolio through excellent customer service and positive energy.

Mar 2020 – Jan 2021 · 10 mos · Sydney, New South Wales, Australia

• Conduct qualitative and quantitative data analysis to enable evidenced based decision making on client portfolios.
• Creating Financial Models at the instruction of strategy to enable forecasting of portfolio worth which will help with rehoming the client to appropriate buyers.
• Testing financial models based on scenario analysis and preparing reports to provide a recommendation to strategy.
• Using Self-Created Valuation model, valuing client registers and providing data analysis to strategy for rehoming of clients.
• Liaising between all internal stakeholders associated with the M&A Process to ensure needs of clients are met and transaction processes flows seamlessly.
• Solely delivering presentations and conducting client meetings regarding the business transaction process.
• Achievements:
• Reduced average turnaround time of generating Valuation models from 5 days to 2 days, by largely automating and optimising Excel worksheets using Macros and Power Query.
• Assisted in implementing a streamlined workflow that helped colleagues manage their tasks and reduce inefficiencies.

Feb 2019 – Mar 2020 · 1 yr 1 mo · Sydney, Australia

• Key Accountabilities:
• Prepared reports of Credit for Construction industry clients – Residential builders. Focus on Credit Analysis using Budgets, Forecasts and Audited Financials.
• Preparing Commercial Credit Applications with recommendations to present to Head of Credit, as to why a deal has merits and highlighting their strengths and weaknesses.
• Utilised Microsoft Excel to create forecast modes which helped compare timeframe of projects and relative Cash Flow of Builder, ensuring clients can fund and complete all projects without the risk of being bankrupt.
• Ensuring each report is compliant with the frameworks laid down by ASIC.
• Ensuring appropriate ASIC, APRA and AFS checks are conducted as part of daily assessment.
• Achievements:
• Involved in extracurricular projects such as Staff Recognition and Engagement which recognised and supported excellent work performed by colleagues.

Jan 2018 – Feb 2019 · 1 yr 1 mo

Aug 2016 – Dec 2017 · 1 yr 4 mos