Work History

• 6/2020 - 0/0

  Black Cat Transport

  Driver and Owner driver sub-contracting: After 15 years working in the finance industry it is now time for a career change. With the help of my wife, we have re-established her late fathers transport business Black Cat Transport. I will obtain my HR (Non Synchromesh) licence next week with the long term aim to operate as a Owner Driver carrying general freight locally and interstate.

  ---

• 4/2015 - 6/2020

  Delegated Authority

  Senior Credit Analyst: $25,000.00 • Conducting credit/risk analysis on secured and unsecured personal loans • Review of new funding applications via broker and direct channel • Review of existing funding applications via broker and direct channel • Evaluating credit risk through financial statement analysis • Reference checks via Veda Advantage • Employment and Rental reference checks to help decision applications • Preparing formal credit write-ups and managing the process • Advising broker/direct channel of approval or decline • Strong influencing skills in order to handle the escalation of applications • Outstanding customer service skills to meet service level agreements • Ability to build strong business relationships both internal and external • Queue Management • Supporting referrals for credit write ups from junior analysts • Mentoring junior analysts in best answer first time • Strong attention to detail • Outgoing Personality Provide professional and ethical behaviour in my actions by ensuring compliance with external legislation, financial standards and internal operating policies and procedures relevant to the position Now Finance Credit/Risk

  ---

• 4/2015 - 6/2020

  Money3

  Senior Credit Analyst: Role Description: - Delegated Authority $25k - Conducting credit/risk analysis on secured and unsecured personal loans - Review of new funding applications via broker and direct channel - Review of existing funding applications via broker and direct channel - Evaluating credit risk through financial statement analysis - Reference checks via Veda Advantage - Employment and Rental reference checks to help decision applications - Preparing formal credit write-ups and managing the process - Advising broker/direct channel of approval or decline - Strong influencing skills in order to handle the escalation of applications - Outstanding customer service skills to meet service level agreements - Ability to build strong business relationships both internal and external - Queue Management - Supporting referrals for credit write ups from junior analysts - Mentoring junior analysts in best answer first time - Strong attention to detail - Outgoing Personality Provide professional and ethical behavior in my actions by ensuring compliance with external legislation, financial standards and internal operating policies and procedures relevant to the position

  ---

• 6/2010 - 9/2014

  GE Money

  New Business Analyst/ Credit Analyst: • Dual Delegated Authority in Auto/Personal Loans $600,000 • Conducting credit/risk analysis on auto/personal loans both consumer and commercial • Conducting credit/risk analysis on recreational products both consumer and commercial • Review of new funding applications via broker and branch channel • Review of existing funding applications via broker and branch channel • Evaluating credit risk through financial statement analysis • Reference checks via Veda Advantage and Credit Reference Scheme • Employment and Rental reference checks to help decision applications • Evaluating credit risk through collateral analysis • Transaction structuring of new applications Residual Vale/Balloons • Preparing formal credit write-ups and managing the process • Advising broker/branch channel of approval or decline • Strong influencing skills in order to handle the potential escalation of applications • Outstanding customer service skills to meet service level agreements • Ability to build strong business relationships both internal and external • Strong attention to detail • Outgoing Personality • Provide professional and ethical behaviour in my actions by ensuring compliance with external legislation, financial standards and internal operating policies and procedures relevant to the position CVGT Employment and Training

  ---

• 6/2009 - 6/2010

  Coburg Branch

  Post Placement Officer/ Business Development: Duties: • Complete and accurate entry of placement details • Maintain employment and education placements • Regular contact with regard to each placement as per individual schedules with jobseekers and employers • Monitor, support and in some cases mentor the jobseeker • Identify issues to be actioned with intervention • Perform and record rate reduction • Claim 13 & 26 week payable outcomes for clients • Achieve payable outcomes for all stakeholders • Develop & maintain networks and liaise with all organisations that the company has contact with. • Knowledge of local labour market • Broad understanding of local industry • Ability to reverse market eligible jobseekers to employers • Raise employer profile • Raise vacancies • Refer jobseekers to vacancies • Negotiate wage subsidies with employers/ Confirm hours for JPO claims • Marketing of CVGT as a business via media such as Radio/ Newspapers

  ---

• 2/2006 - 6/2009

  National Australia Bank

  Direct Sales and Service: Personal Lending/ Customer Service Specialist Duties: • Personal Loan Sales with a target of $140,000 with $80,000 draw down per week • 10 credit card applications with minimum 5 approvals per week • 55 savings accounts opened per week both for new and existing customers • 25 business accounts opened per week for both new and existing customers • $500,000 in term deposit sales and renewals for new and existing customers • DCA of $80,000 for both Personal Loan and Credit Card Approvals • 10 weekly referrals for other banking products and services (General Insurance, Home Loans, Financial Planning) • Promote Loan Cover Insurance with 50 per cent strike rate on loans written • Average of 40 calls per day, Average typing speed of 40 words per minute • Evaluate new and renewal lending proposals; negotiate terms with customers and, if appropriate, submit proposals to the credit department for approval. • Financial needs analysis, establishing customer needs and advising on the suitability of bank products, services and affordability. • Cross sell other bank products and services as determined after conducting Financial Needs Analysis with customer. • Provide professional and ethical behaviour in my actions by ensuring compliance with external legislation, bank standards and internal operating policies and procedures relevant to the position. • Coaching, monitoring, supervision of direct reports to ensure my skills and knowledge are adequate to perform the role and to be compliant with FSRA requirements and external legislation in a professional and ethical manner.

  ---