Alejandra Molina
Alexandria
Summary
Experienced professional in Finance and Customer Service with a diverse skill set developed through work experience, volunteer positions, and ongoing studies. Proficient in interpersonal communication, team coordination, and management. Possess a strong work ethic, adaptability, problem-solving abilities, positive attitude, and commitment to completing tasks with professionalism, integrity, and efficiency.
Overview
2025
2025
years of professional experience
Work History
Senior Credit Analyst - Mortgages
Macquarie Bank
- $750,000 Delegation PAYG only
Lender (Senior Credit Officer) - Mortgages
St George Bank
- $1,000,000 Delegation Self-Employed & $2,000,000 System Delegation
- Assessing home loan applications that included family pledge process
MMF officer Wholesale, IS Broker Support and Direct Associate
ING DIRECT
Volunteer English Teacher
Personal Development Year
Business Analyst - Business Process Transformation
IMB
07.2022 - Current
- Actively participated in team meetings to share knowledge, exchange ideas, address challenges, and collaborate on potential solutions.
- Developed high-quality documentation to support training efforts, helping employees fully understand new systems and procedures.
- Performed gap analysis between existing systems or processes and desired state, identifying areas for improvement or enhancement.
- Improved business processes by analyzing current practices and recommending optimization strategies.
- Interacted with internal customers to understand business needs and translate into requirements and project scope.
- Collaborated closely with stakeholders to identify opportunities for process improvements and drive continuous innovation in the organization.
- Fostered culture of continuous improvement by leading regular review sessions to identify and implement process enhancements.
- Improved decision-making with comprehensive risk assessments, identifying potential issues before they impacted projects.
- Collaborated with IT to develop business intelligence tools, enhancing quality of data-driven decision-making.
- Analyzed data to identify root causes of problems and recommend corrective actions.
- Collaborated with stakeholders to identify business needs and data sources.
Credit Team Leader
Volt Bank
01.2022 - 07.2022
- Responsible for the day-to-day management of Credit Operations
- Responsible for identifying and recommending Credit Policy improvements considering customer, broker, and risk appetite
- Audit files to ensure compliance with companies' policies
- Develop the KPIs for Credit Operations and ensure ongoing management and adherence to KPIs
- Perform regular quality assurance of team credit assessments, and develop reporting for QA outcomes
- Responsible for the currency and accuracy of the Credit Policy exception register
- Recruit and manage a team of credit assessors
- Responsible for the initial and ongoing training and coaching of new team members
- Ongoing review of staff performance
- Ensure activities are actioned in compliance with all relevant legislation (NCCP, Privacy Act, AML/CTF, etc.)
- Ensure all team members have agreed objectives and receive monthly feedback on their performance
- Ensure and maintain compliance with Volt's Credit License obligations regarding credit activities of the bank, undertaking the responsibilities of being the nominated Representative of Volt Bank
Senior Credit Analyst
Columbus Capital
09.2020 - 01.2022
- $1,500,000 Delegation PAYG and Self Employed - Single Securities
- $2,000,000 Delegation PAYG and Self Employed - Multiple securities
- DLA Holder for Homestar and Mortgage Manager applications
- Liaising with Credit Manila Team and Loan Specialist to get deals across
- Scenarios team to assist finding solutions for Loan Specialist and Mortgage Manager applications
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Performed credit reviews on corporations to assess financial conditions.
- Utilized strong communication and interpersonal skills to obtain necessary financial information from customers.
- Developed customized solutions catering to clients'' unique credit requirements while adhering to regulatory standards.
Responsible Manager, Team Leader -Senior Credit Analyst
YBR, Resi Mortgages & Resi Wholesale Funding
04.2017 - 09.2020
- $1,500,000 Delegation PAYG and Self Employed with Adelaide Bank Limited
- $1,000,000 Delegation PAYG and Self Employed with Resi Wholesale Funding
- Assisting with Bridging Finance and Alt Doc Applications
- Assist the National Credit Manager to supervise the performance and workflow of all Credit staff to ensure maximum performance and service standards are maintained
- Provide support, advice, and training to all Credit staff to assist in the development of an effective and efficient workforce
- Training and support all new employees classified as representatives under the Organizations ACL regarding responsible lending and credit policies to ensure representatives act within the NCCP regulations
Credit Analyst - Consumer Mortgages
Resi Mortgage Corporation
12.2015 - 12.2016
- Packaging and assessing PAYG, Self-Employed, Bridging and Non-Conforming applications
- Finding solutions to difficult scenarios by applying using excellent level of knowledge around different funders policies
- Reworking / restructuring difficult to place deals for different funders
Credit Officer - Mortgages
Citibank
10.2009 - 02.2013
- (New Business, Variations and Partial Discharges)
- $750,000 Delegation & $1,500,000 for Valuation Reports
- Contributed to policy enhancements that delivered business growth, reduced turnaround time, reduced credit decision workload and enhanced credit quality of mortgage portfolio
Education
Microskill - Generative AI And Its Business Applications
Institute of Applied Technology
Digital 06-2024
Microskill - Introduction To Data Analytics
Institute of Applied Technology
Digital02-2024
Microskill - Responsible Artificial Intelligence
Institute of Applied Technology
Digital09-2023
Microskill - Introduction To Artificial Intelligence
Institute of Applied Technology
Digital08-2023
Diploma in Finance Services and Mortgage Broking Management -
Kaplan Professional
01.2018
Certificate IV in Finance Services and Mortgage Broking -
Kaplan Professional
01.2017
Skills
- Loan structuring
- Client relationship management
- Credit risk
- Business process improvement
- Requirements gathering
- Policy development
- Stakeholder management
- Problem-solving
- Time management
- Decision-making
- Multitasking and organization
- Clear communication
Languages
Spanish
Native or Bilingual
Timeline
Business Analyst - Business Process Transformation
IMB
07.2022 - Current
Credit Team Leader
Volt Bank
01.2022 - 07.2022
Senior Credit Analyst
Columbus Capital
09.2020 - 01.2022
Responsible Manager, Team Leader -Senior Credit Analyst
YBR, Resi Mortgages & Resi Wholesale Funding
04.2017 - 09.2020
Credit Analyst - Consumer Mortgages
Resi Mortgage Corporation
12.2015 - 12.2016
Credit Officer - Mortgages
Citibank
10.2009 - 02.2013
Diploma in Finance Services and Mortgage Broking Management -
Kaplan Professional
Certificate IV in Finance Services and Mortgage Broking -
Kaplan Professional
Senior Credit Analyst - Mortgages
Macquarie Bank
Lender (Senior Credit Officer) - Mortgages
St George Bank
MMF officer Wholesale, IS Broker Support and Direct Associate
ING DIRECT
Volunteer English Teacher
Personal Development Year
Microskill - Generative AI And Its Business Applications
Institute of Applied Technology
Microskill - Introduction To Data Analytics
Institute of Applied Technology
Microskill - Responsible Artificial Intelligence
Institute of Applied Technology
Microskill - Introduction To Artificial Intelligence
Institute of Applied Technology
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