Allen Tulich
General Manager, Lending and Credit at Schroders RF Limited- Claim this Profile
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Bio
Credentials
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Estate Master DF v5 Level 1
Estate Master Property SoftwareNov, 2015- Nov, 2024
Experience
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Schroders RF Limited
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Australia
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Financial Services
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1 - 100 Employee
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General Manager, Lending and Credit
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Feb 2019 - Present
General Manager, Lending and Credit involves all aspects of the origination and credit process from approving borrower loans for new customers, as well as existing customers from the targeted sectors of property investment, property development and property construction, to post approval management and renewal of loans. I hold a significant delegated lending authority with the CEO, and will be a key decision maker in the loan approval process. I structure and recommend loan proposals beyond delegated authority to the RF Eclipse Credit Committee. Other aspects of the role include loan portfolio management and monitoring. Establishing and articulating strategy and appetite for the target sectors, interpretation and improvement of credit policies and processes and leading continuous improvement initiatives in this regard. The role also includes coaching and providing management overview of staff / teams in the broader functional departments of RF Eclipse. I maintain strong engagement with RF Eclipse’s brokers and other external parities, who are the main source of loan originations, and will analyse and filter loan transactions to approval as appropriate in compliance with RF Eclipse Credit Policy and target sector appetite requirements. The loan transactions in the main cover Property Investment, Property Construction and Property Development.
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Credit Manager
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Oct 2016 - Jan 2019
Uniting Financial Services (UFS) managed a total of $1.7B on balance sheet and in managed funds, with a strong focus on credit investments. Within that, a significant asset class is commercial mortgage loans. As a Credit Manager I assisted in growing the book of 250+ loans with a total loan book of $500M+ as well as $100M in loans to Uniting Church entities.As the Treasury and Investment Services arm of the Uniting Church in Australia (UCA), Synod of NSW and the ACT, UFS provides financial leadership in support of the activities of one of Australia's largest not-for-profit and religious organisations.As Credit Manager I assisted in reviewing and approving commercial mortgages and played an active role in oversight of the credit risk management of the total portfolio. Key responsibilities included:# Evaluated and underwrote/decision commercial mortgage exposures within delegated limit# Custodian of the credit policy library, including review, updating and adapting on a periodic basis# Development of credit strategies to drive and protect business activities, with timely reviews aligned to changes in thDeliver effective credit risk management and governance outcomes. Take proactive action to monitor the credit quality of the Commercial Mortgage Portfolio and assist in implementing strategies to reduce or prevent/minimise credit losses and arre economic and geographic climates# Drove credit management process efficiencies including systems, reporting and vendor management# Prepared reports, applications and proposals for the Credit Committee and Board# Managed problem loans/assets/positions including relationships with external Counsel, Receivers and Managers# Monitoring portfolio performance including quality, delinquency and concentration, as well as compliance with the Ethical and ESG Investment Policy
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Credit Analyst - Lending
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Aug 2011 - Sep 2016
Credit assessment and underwriting of commercial property lending transactionsArrears management and loan recovery workAsset review and assessmentLoan documentationPortfolio management and credit committee reportingAppointment and management of external consultantsSupervision of internal and external loan servicerNew settlements and discharges
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Commercial Lending Manager
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Oct 2009 - Jul 2011
Credit submission preparation / analysis (loan size from $100k to $10m) Loan approval recommendations Credit committee reporting Preparation of loan documentation Instructing and liaising with originators, solicitors, valuers and quantity surveyors Preparing funds liquidity position Pre-settlement conditions maintenance Database maintenance Arrears management Portfolio management Credit submission preparation / analysis (loan size from $100k to $10m) Loan approval recommendations Credit committee reporting Preparation of loan documentation Instructing and liaising with originators, solicitors, valuers and quantity surveyors Preparing funds liquidity position Pre-settlement conditions maintenance Database maintenance Arrears management Portfolio management
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Property Finance Northern – Senior Account Executive
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Nov 2008 - May 2009
Servicing of Property Finance clients in $180m portfolio Assisting Senior Relationship Manager Undertaking Reviews of facilities Maintaining compliance standards Processing Progress Claims Writing Credit Submissions $2m - $15m Servicing of Property Finance clients in $180m portfolio Assisting Senior Relationship Manager Undertaking Reviews of facilities Maintaining compliance standards Processing Progress Claims Writing Credit Submissions $2m - $15m
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Manager – Credit
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Feb 2006 - Mar 2008
Credit submission preparation / analysis (loan size from $250k to $10m) Loan approval recommendations Credit committee reporting Preparation of loan documentation Instructing and liaising with solicitors, valuers and quantity surveyors Wholesale funding liaison Pre-settlement conditions maintenance Database maintenance Arrears management Processing of Construction progress claims Portfolio management Credit submission preparation / analysis (loan size from $250k to $10m) Loan approval recommendations Credit committee reporting Preparation of loan documentation Instructing and liaising with solicitors, valuers and quantity surveyors Wholesale funding liaison Pre-settlement conditions maintenance Database maintenance Arrears management Processing of Construction progress claims Portfolio management
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Westpac Equipment Finance Manager
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Oct 2003 - Oct 2005
Liaise with Senior Relationship Managers from a Portfolio position and gain additional business from the Direct marketLead sales and provide advice of Westpac Equipment Finance and Insurance Premium FundingIntroduce new customers to the Relationship ManagersNetworking/business developmentWrite $45m in Net Asset Financed
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Property Finance Group Customer Manager
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Mar 2002 - Oct 2003
Servicing of Property Finance Group customers in Senior PortfolioAssisting Senior Relationship ManagersMaintaining Insurance Policies up-to-dateUndertaking Reviews of facilitiesHandling commercial bill rolloversProcessing Progress ClaimsUndertook relieve role of Relationship Manager for a period of 10 weeks while continuing to perform my duties of Customer ManagerWriting Credit Submissions $3m+ Developments & $5m+ Investments
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Education
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1994 - 2000
Macquarie University
Bachelor's degree -
1991 - 1993
Killarney Heights High School
HSC
Community
