Experience

Yamaha Motor Finance Australia Pty Limited

• Australia
• Financial Services
• 1 - 100 Employee

• Commercial Credit Manager

  • Feb 2019 - Present

  Key Responsibilities - Manage the team of commercial analysts analysing the portfolio and managing credit rules in completing and approving the financial reviews, credit applications, security documentations and other ad hoc duties. - Escalating financial reviews and credit applications to credit committee determination which requires senior management DLA for approval. - Liaise regularly with partners in Australia and NZ offices. - Produce credit management reporting across the business areas and lead follow up reviews/credit applications with financial analyst and auditors in Australia and NZ offices. - Contribute to the implementation and monitoring of the application of policies, governance frameworks, procedures, practices and standards to ensure quality, effective risk management and regulatory compliance. - Promoting/conducting quality financial analysis to ensure consistency of risk grade assessment and clear presentation of financial risk. - Establish service level agreements for all processes and manage service delivery such as to achieve defined service levels. - Periodic attendance at internal or external client meetings to review debts and build sound working relationships. - Develop the skills of the team so they can meet their KPIs; ensure they have SMART goals and development plans in place, to motivate and grow in-line with their personal development goals and future direction of the team. - Proactively support transformation projects through SME support. - Establish positive working relationships with key stakeholders and maintain regular contact responding to feedback and performance issues in a timely manner. - Report to senior management. Show less



Lipa Pharmaceuticals Limited

• Australia
• Pharmaceutical Manufacturing
• 100 - 200 Employee

• Company Accountant

  • Jul 2018 - Nov 2018



Equifax Australia

• Financial Services
• 300 - 400 Employee

• Senior Credit Risk Analyst

  • Mar 2018 - Jun 2018



QBE Insurance

• Australia
• Insurance
• 700 & Above Employee

• Senior Credit Risk Analyst

  • Oct 2014 - Feb 2018

  Key Responsibilities: - Managing a portfolio of 55 with mix of institutional, corporate and commercial clients. - Underwrite and approve corporate & commercial credit submission of different entity types such as trusts, companies, public companies, partnerships and sole traders up to $10M subject to Credit Risk Rating (CRR). - Complete annual reviews, bi-annual review and quarterly reviews of institutional, corporate and commercial clients based on the applicants Credit Risk Rating (CRR) and/or refer with recommendations to Credit Underwriting Committee or Senior Management. - Writing and presenting complex credit submission to Credit Underwriting Committee with appropriate recommendations. - Undertaking detailed assessment/credit/risk analysis of complex financial statements (Detailed Balance Sheet, Profit Loss and Cash Flow) of sole traders, partnerships, company and trusts. - Credit Risk Reporting using SQL (Database/Information toolsets). - Ensuring all credit submissions comply with eligibility conditions. - Managing Broker/Intermediary relationships. - Operating within your delegated authority (DUA/DLA). - Complying with policy and procedures. - Interpreting ratio analyses such as liquidity, profitability, gearing, leverage etc. - Review federal (ATO)/state (OSR) tax returns for all entity types for assessment; - Analysing and interpreting the business financial position. - Making recommendations on how business objectives could be met. - Intensive monitoring of elevated risk credit accounts and where adverse/court actions/CTTT and/or court order such as made by the District/Supreme Court, Notice of Motion for possession/default judgement, Counsel briefing etc.. Show less



ANZ

• Australia
• Banking
• 700 & Above Employee

• Credit Risk Manager - Lending Services Corporate & Commercial NSW/ACT

  • Nov 2009 - Sep 2014

  Key Responsibilities: - Managing a portfolio 40 institutional, corporate and commercial clients. - Writing Commercial Credit Memorandums, Diary Notes and ensure risk compliance policies are followed. - Performing financial extraction and analysis of data (Balance Sheet, Profit Loss and Cash Flow) - Credit Risk Reporting using SQL (Database/Information toolsets). - Preparation of CAPEX and OPEX budgets, financial covenants in line with credit reports. - Ensuring updated valuations are on hand to perform security analysis. - Organising security discharges and formalisation of mortgage documents as required. - Implementing restrictive measures on accounts which has deteriorated. - Preparing forecasted financial statements with detailed assumptions in line with the applications forecast. - Analysis of financial, gearing, profitability earnings ratio’s & preparing interest rate reports to ensure margins are correct. - Downgrading Credit Risk Rating (CRR) and creating provisions as required for management reporting purpose. - Review of federal (ATO) and state (OSR) tax returns for all credit submissions. - Analysing and interpreting the business financial position. - Perform risk analysis accordingly with respect to breaches in loan covenants and set strategy accordingly. - Making recommendations on how business objectives could be met. - Making recommendations to senior management where applicable appointment of Insolvency practices/accountants for recovery and closure of credits where risk grade is above CCR 8. - Proficient knowledge in MOODY’S ANALYSTIC’S RISK ORIGINS, CAP, CACHE, IKNOW, CCMS, EPACKETS, ANZ ONLINE, VEDA, VISHUAL, CBIG, CARBE, IRON MOUNTAIN, ANZ IMPACT, KPI, ICOM ETC. - Comprehensive exposure to elevated risk credit accounts and where appropriate filing statement of claim in Supreme Court, Notice of Motion for possession/default judgement, Counsel briefing etc. Show less



Gas, Instrumentations and Controls Pty Ltd

• Liverpool, New South Wales, Australia

• Accounts All Rounder (Part Time Evening)

  • Nov 2008 - Nov 2009

  Key Responsibilities: - Receive and verify invoices for goods/services. - Process back up report for data entry. - Maintain listing of accounts payable/receivable. - Maintain updated files and file numbers. - General accounts filling in physical and server files. - Assisting with document control. - Internal timesheet collection and entry. - Preparation of payment summary and BAS. - Budget reporting, balance sheet analysis and profit/loss analysis. - Internal and external accounts follow up. - Assist in payroll preparation. - Assist in implantation and monitoring of budget/financial reporting. - Assist in assessing and processing of invoices. - Preparation of bank deposit and reconciliation. - Assist in preparation of financial statements. Show less



The Income Tax Professionals

• Bangladesh
• Legal Services
• 1 - 100 Employee

• Tax Accountant

  • Feb 2009 - Oct 2009

  Key Responsibilities: - Summarising of information and preparation of Individual, Business, Rental Properties, Partnerships, Companies, Trust, Superannuation, FBT and Land Tax. - Bookkeeping, financial planning, superannuation and insurance. - Preparation of BAS and GST returns. - Data entry for small business clients using MYOB and Excel. - Attending to clients and Australian Taxation queries. - Carrying out Audits assignments. - Reporting directly to Tax Agents and assisting in day to day operations of the practice. Show less



Fiji Development Bank

• Fiji
• Banking
• 1 - 100 Employee

• Relationship Manager Corporate Banking / Business Banking Manager

  • Apr 2004 - Oct 2008

  Key Responsibilities: - Responsible for portfolio of mix 108 corporate/commercial/business banking clients. - Credit risk appraisal report – cash flow reconstruction, balance sheet analysis. - Profit and loss analysis, industry overview, credit report for corporate/sme/mortgage/ leasing/agriculture clients. - Writing, submitting credit proposals, budgeting, pricing, forecasting, sales reporting and financial analysis and ongoing risk monitoring for clients. - Preparation of forecast financial statements with detailed assumptions - Ratio analyses & interest rate reports - Organising discharge, settlement, mortgage and loan documentation. - Arrears collection, follow up and authorising demand and seizure. - Provisioning and write-off’s. - Portfolio management. - Financial Modelling and extracting data with SQL, MS ACCESS, PLSQL - Evaluate Risk projects NPV, Payback, ROI, ROE. - Client risk rational, risk drivers and financial modelling. - Identify high net worth clients for future prospective. - Marketing with western division relationship manager, Fiji to achieve our portfolio growth. - Reviewed federal and state income tax returns for all entity types. - Analysed and interpreted the business financial position. - Making recommendations on how business objectives could be met. - Approval authority up to $10K and discretion authority of $1M. - Assist in insurance underwriting/claim. Show less



Vodafone Fiji

• Fiji
• Telecommunications
• 200 - 300 Employee

• Finance Officer

  • Jan 2002 - Mar 2004

  Key Responsibilities: - Matching, batching and processing of invoices in billing department (high volume). - Posting payments to customers accounts into the billing system. - Allocation of payments to the respective invoices. - Preparation of journal for recording in the General Ledger. - Reconciliation of payments received from collection agents against payments posted in the billing system. - Processing dishonoured cheques, transferring payments and other billing related tasks. Show less