Experience

McCarroll’s Automotive Group

• Australia
• Motor Vehicle Manufacturing
• 1 - 100 Employee

• Business Manager

  • Nov 2020 - Present

  • Proactive and consistent introduction of finance products to customers • Explore all avenues of finance to provide the customer with best finance facilities • Prepare and submit all financial applications and liaise with financiers achieving swift positive customer outcomes • Receipt deposits and final payments • Complete and submit all financial logs and reports • Proactive and consistent introduction of finance products to customers • Explore all avenues of finance to provide the customer with best finance facilities • Prepare and submit all financial applications and liaise with financiers achieving swift positive customer outcomes • Receipt deposits and final payments • Complete and submit all financial logs and reports



Commonwealth Bank

• Australia
• Financial Services
• 700 & Above Employee

• Credit Analyst

  • Oct 2018 - Nov 2020

  • Process and decision residential mortgage credit submissions within Personal Credit Approval Authority of $ 2,000,000 • Providing recommendations to Senior Credit Managers / Lenders Mortgage Insurers for applications outside my delegated underwriting authority • PAYG income verification and liabilities verification in order confirm satisfactory conduct and servicing position • The review of contracts of sale, understanding special conditions and ensuring no conflict of interest for purchases • Ensuring all approved application adhere to Banking Code of Practice



Toyota Finance Australia

• Australia
• Financial Services
• 500 - 600 Employee

• Senior Lending Analyst

  • May 2017 - Sep 2018

  • Credit loan assessment/processing of Retail applications: Consumer and Commercial lending within assigned $250,000 Delegated Lending Authority • Conducting the appropriate level of due diligence when assessing an application through Veda Advantage Credit Report enquiries and comprehension of the report• Analysing and understanding Financials, tax returns and assessments, letter from employers and accountants, bank accounts and payslips• Verification of credit history with other finance related companies• Confirming capacity to repay and meet responsible lending criteria's under NCCP and AML requirements

• Senior Hardship Representative

  • Dec 2015 - Apr 2017

  • Allocating hardship applications among team members to ensure all applications received are managed in accordance with NCCP guidelines • Performing credit checks and approving recommendations of team members within assigned $50,000 Delegated Lending Authority

• Customer Retention Analyst (Secondment)

  • Aug 2016 - Jan 2017

  • Retention Dashboard Reporting• Data Analytics and Lead Generation

• Hardship Representative

  • Feb 2015 - Nov 2015

  • The assessment of consumer and business vehicle loan hardship applications• Administering contract variations and moratoriums which cater to customer situation• Negotiate payment arrangements with clients for overdue accounts

• Customer Solutions Representative

  • Apr 2013 - Jan 2015

  • Providing excellent customer service while assisting clients in contract management • Contract maintenance ranging from processing refund requests to investigating payment misallocations• Managing correspondence task list and responding to customer email enquiries