Experience

Balmain NB Commercial Mortgages Ltd

• Australia
• Financial Services
• 1 - 100 Employee

• Partner

  • Mar 2019 - Present



Insights Financial Australia

• Australia
• Financial Services

• Managing Director

  • Sep 2017 - Present

  Your one stop shop for customised debt & cashflow solution to assist you throughout your business lifecycle. Your one stop shop for customised debt & cashflow solution to assist you throughout your business lifecycle.



NAB

• Australia
• Banking
• 700 & Above Employee

• Partner

  • Nov 2014 - Aug 2017

  • Managed a diverse portfolio of medium enterprises with total debt footings of circa $120M which spans across franchise syndicates, commodity wholesalers, childcare operators, civil construction services and restaurants & pubs.• Responsible for growing the portfolio through new business acquisition and tapped into opportunities from existing customers.• Responsible for all stages of debt funding from loan origination through to settlement stage and loan servicing stage to ensure clients were looked after throughout their financial lifecycle.• Held a $6M Delegated Commitment Authority (DCA) which allowed me to approve loans that fit within NAB's risk appetite.• Assessed creditworthiness of a customer through rigorous financial analysis on financial statements, tax returns and cashflow projections.• Structured loan structure for clients with complex needs (ie. Complex family tree, project financing, management buyouts).• Origination and provision of trade finance facilities (ie. L/C, invoice finance) through analysis of client’s cashflow needs.• Funded capital expenditure for both specialised and non-specialised asset.• Prepared credit submission which encapsulated all risks and mitigants for a transaction which was then recommended to the appropriate DCA holder for decisioning.• Provided business solutions such as interest rate risk management (IRRM), FX, transactional products, financial planning and wealth management services to customer by leveraging on expertise of product specialist.

• Associate - Corporate and Institutional Specialised Banking

  • May 2013 - Oct 2014

  • Assisted Senior Partner in running a portfolio of pharmacy group/syndicate operating in the emerging corporate space with total debt footings of circa $300M.• Assessed creditworthiness of a customer through conducting financial analysis on proforma financial statements.• Prepared credit submission by assessing the cashflow and serviceability of a business.• Assisted clients with loan structuring and risk management through the provision of appropriate financial products.• Conducted monthly and quarterly covenant testing and completed covenant report on behalf of Senior Partner.• Conducted risk analysis and sent pricing submission to Credit for approval.• Engaged in client conversation using Miller Heiman conceptual selling technique to extract vital information for credit analysis.• Kept abreast with pharmacy regulatory updates to offer insights on the regulatory environment to clients.• Managed the operational side of the portfolio such as commercial bill renewals, annual review on commercial facilities and loan restructure.• Attended to registration and stamping of various securities to ensure NAB's financial interest is protected.• Assessed corporate structure of lending groups to ensure they comply with NAB's lending policy.



ANZ

• Australia
• Banking
• 700 & Above Employee

• Collections Associate

  • Mar 2012 - Apr 2013



easyMarkets

• Financial Services
• 100 - 200 Employee

• Business Development Manager

  • Feb 2011 - Feb 2012



J2K Exclusive 3 & Vodafone Dealer

• Sales Representative

  • Sep 2010 - Feb 2011



Deloitte

• Business Consulting and Services
• 700 & Above Employee

• Audit Intern

  • Nov 2009 - Feb 2010