Inazir Wazeer
Wheelers Hill,VIC
Summary
Credit professional with extensive experience in analyzing credit data and financial statements to assess risk and ensure compliance with lending standards. Recognized for a collaborative approach that consistently delivers results aligned with company objectives. Demonstrates strong analytical skills and meticulous attention to detail, enhancing decision-making processes. Aiming to leverage expertise to drive risk management strategies in a dynamic financial environment.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Lending Analyst
Toyota Finance Australia
Scoresby, VIC
02.2022 - Current
- Investigate and make decisions on consumer and commercial finance applications.
- Maximize lending outcomes by applying sound credit risk management practices in line with Toyota Finance's (TFA) credit risk appetite.
- Adhere to TFA's zero-tolerance approach to fraud risk and compliance risk.
- Serve as the first point of contact for Dealership Business Managers (BMs) requiring clarification on lending decisions.
- Keep the dealership network updated on the status of their applications during the acceptance process.
- Build, manage, and strengthen relationships with dealership partners.
- Assess and make decisions on consumer and commercial finance applications, including: analyzing financial statements, making reasonable inquiries and verification of a consumer’s requirements and objectives, making reasonable inquiries and verification of a consumer’s financial situation, including but not limited to: employment and income sources and levels, expenses, capacity assessments, credit checks, rental references, and relevant searches, which include ASIC, ABN, Veda, Vevo, Equifax, and Illion.
- Review contract information for commercial customers, and assess the suitability of consumer/commercial loan applications.
- Liaise with accountants and solicitors to clarify or obtain financial information.
- Adhere to all policy, process, and procedural requirements for Retail Lending Operations (RLO).
- Ensure compliance and adherence to external legislation such as the Competition and Consumer Act, the Privacy Act, the National Consumer Credit Protection Act, the Anti-Money Laundering and Counter-Terrorism Financing Act, and the Personal Property Security Register.
- Ensure all lending decisions comply with the Delegated Lending Authority Matrix.
- Maintained professional and courteous communication during discussions with Business Managers.
- Contribute to business improvement by suggesting and participating in relevant changes.
- Actively participate in coaching sessions, team meetings, and Lending Analyst activities.
- Assist the Operations team during high-demand periods, or as requested.
- Perform any other reasonable tasks, as assigned by TFA.
- Consistently achieved Key Performance Indicators (KPIs) while maintaining 100% compliance with quality processes and procedures.
- Hold a current Delegated Lending Authority (DLA) of 3A for both Consumer and Commercial application.
- Actively conduct mentoring sessions to support and guide lower DLA holders, fostering skill development, and performance improvement.
- Serve as the primary point of contact for Retail Lending Operations (RLOs) outside of SMEs, providing ongoing support and clarification on policies, processes, and assessment-related inquiries.
Credit Assessor
National Australia Bank (NAB)
02.2021 - 11.2021
- Undertaking a detailed assessment using customer submitted bank statements, income documents, liability documents, purchase contract and all other documents in relation to home loan application
- Managing workflow from a national queue in a timely manner
- Perform in-depth checks on complex lending scenarios
- Assessing PAYG (Permanent, Casual, contractual and temporary workers) & Self-Employed (sole trader, partnership, company and trust) income assessments in compliance with internal credit policy
- Reaching and maintaining a high level of credit assessment and compliance standards
- Liaise with other internal department to achieve a better outcome for customers and the Bank
- Possessing sound credit policy & ensuring regulatory compliance
- Regularly assisting other credit assessors with assessments and clarifications
- Monitoring updates and adapt to constantly updating policies and procedures
- Dealing with loan scenarios and queries from brokers
- Reviewing loan application viability in line with risk and compliance guidelines
- Investigating frauds, monetary issues and document forgery and ensuring anti money laundering compliance regulations
- Achieved required KPI and successfully managed the portfolio
- First person from the team nominated by Credit coach for complex training for the success and initiative shown
- First person from the team to achieve DLA ($750k Mortgage and $50k other liabilities) authority within a short period of time
- Contributed to the establishment of fair market values by analyzing a variety of factors including location, age, size, condition, zoning restrictions, and comparable sales data.
Credit Assessor
Westpac Banking Corporation
10.2017 - 02.2021
- Analyse customer submitted bank statements, income documents, liability documents, purchase contract and all other documents in relation to home loan application
- Perform in-depth checks on complex lending scenarios
- Assessing PAYG (Permanent, Casual, contractual and temporary workers) & trust income assessments in compliance with internal credit policy (Self-employed only Fast track income)
- Assisting other credit assessors with assessments and clarifications
- Liaise with Credit Managers or other Authority holders when exception to policy required
- Demonstrated ethical behavior when assessing applications by not only focusing on productivity by getting it right or fixing any errors on the application
- Liaising with brokers to follow up documentation and to discuss application viability
- Reviewing loan application viability in line with risk and compliance guidelines
- Investigating frauds, monetary issues and document forgery and ensuring anti money laundering compliance regulations
- Awarded a certificate of Rise Award for coaching a broker on a complex income deal
- Compliments from brokers and their business development managers on delivering an exceptional service on complex deals on a timely and professional manner
- Compliments from other credit assessors for clearly communicating the pending information on applications as no file ownership held
Console Operator
Peregrine Corporation (On The Run)
08.2016 - 11.2017
- Providing an exceptional service to customers
- Preparing and handling food according the Australian Standard Procedure
- Making different types of coffee - Latte, Cappuccino, Flat white, Mocha, Iced coffee
- Merchandizing and maintaining a clean and safe workplace
- Confidently learnt the store environment by being able to work by myself with minimum training
- Successfully resolved issues when customers had complaints
- Manage to resolve difficult situations patiently
Credit Analyst (Field Investigation Officer)
ADCB Bank via M & M Al Menhali Auditing (UAE)
07.2015 - 07.2016
- Ensure all the records provided by the Customers/Clients are genuine
- Ensure all the norms of the bank are met by the Customer application
- Prepare reports about the investigation made on the Customer work-location and give a precise report of the customers/clients in order to avoid any discrepancy
- Ensure zero-tolerance policy against any invalid data or actions
- Make certain deviations based on the client profile and relationship
- Dealing with inquiries from the client/customers and related organizations
- Successfully carried out the assigned duties with minimum training
- Showed excellent progress in a short period, in the absence of team leader performed their duties
- Gained the trust of management by performing the duties to excellence, while on probation assigned with team leader's duties
Assistant Accountant
BuildGrowth Accountants Australia
09.2013 - 05.2015
- Reconciling bank accounts, debtors and creditors
- Preparing Business Activity Statements
- Preparing PAYG Statements
- Preparing financial reports
- Payroll processing and administration
- Preparing Superannuation Payment Advices
- Document Management of client files
- Understanding and using Xero Add On - Receipt Bank
- Successfully managed to complete tasks independently with minimum training
- Effectively researched Xero software at times to solve problems
- Successfully managed to look after a portfolio of bookkeeping clients
Education
Professional year - SMIPA
Professional Pathway Australia
Melbourne, VIC12.2014
Bachelor of Commerce - Accounting
Deakin University
Melbourne, VIC03.2013
Diploma of Commerce -
Melbourne Institute of Business And Technology
Melbourne, VIC02.2011
Skills
- ApplyOnline (WFM)
- Quantum
- Knowledge of Australian Lending Practices
- Banking Operations Knowledge
- Customer Engagement
- Attention to detail
- Adaptability
- Ability to work under pressure
- Written and verbal communication
- Negotiation
Accomplishments
Received the High Achiever Award for ranking 1st in Accounting for GCE O/Level examinations in Sri Lanka.
Certification
- Sri Lankan Driver's License
- Australian Full License
- Dubai Driver's License
Hobbies and Interests
- Active participant in team sports, particularly cricket, and served as captain for the past 9 years, representing various clubs.
- Actively engaged in the local community, having served as a committee member and successfully organized several events.
References
References available upon request.
Timeline
Lending Analyst
Toyota Finance Australia
02.2022 - Current
Credit Assessor
National Australia Bank (NAB)
02.2021 - 11.2021
Credit Assessor
Westpac Banking Corporation
10.2017 - 02.2021
Console Operator
Peregrine Corporation (On The Run)
08.2016 - 11.2017
Credit Analyst (Field Investigation Officer)
ADCB Bank via M & M Al Menhali Auditing (UAE)
07.2015 - 07.2016
Assistant Accountant
BuildGrowth Accountants Australia
09.2013 - 05.2015
- Sri Lankan Driver's License
- Australian Full License
- Dubai Driver's License
Professional year - SMIPA
Professional Pathway Australia
Bachelor of Commerce - Accounting
Deakin University
Diploma of Commerce -
Melbourne Institute of Business And Technology
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