Summary
Overview
Work History
Education
Skills
Timeline
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Allan Philip

99 Ballandella Road, Toongabbie,NSW

Summary

A highly motivated senior credit analyst within banking with an extensive experience in commercial and private banking, asset finance, and credit analysis. Demonstrated expertise in analysing complex business applications, assessing financial documents, and providing clients with a range of financial products and services. Possessing excellent relationship management and communication skills with the ability to work collaboratively to achieve business goals.

Overview

5
5
years of professional experience

Work History

Business Analyst

Commonwealth Bank
06.2022 - Current
  • This role consists of assessing complex business applications from new and existing customers with turnovers of up to $30 million annually.
  • Conducting comprehensive analysis and assessment of intricate business applications. This involves evaluating financial statements, cash flows, and other relevant information to determine the creditworthiness of the applicants.
  • High level of client collaboration. Involves working closely with relationship managers to ensure a seamless end-to-end process. This encompasses participating in client meetings to offer expert advice and assistance, thereby enriching the overall client experience.
  • Taking ownership of the credit approval process, guiding applications from initial submission through to fulfillment; consists of coordinating with various teams and ensuring that all necessary documentation and checks are completed.
  • Prioritising urgent applications, particularly those related to significant transactions like commercial property purchases, to meet settlement deadlines.
  • Utilising advanced financial modelling techniques in Excel to analyse clients' investment portfolios. This analysis helps assess the clients' ability to repay loans and informs credit decisions.
  • Work in accordance with established policies, procedures, and compliance guidelines.
  • Provide clear and concise recommendations based on credit analysis, assisting in making well-informed lending decisions for applications that are outside my delegation
  • Understanding and examining industry trends, economic conditions, and regulatory changes that may impact an applicants ability to make repayments.
  • Constructing a financial model aimed at evaluating the probability of default. This entails analysing various financial indicators, historical data, and market trends to determine the likelihood of default occurring within a specified time frame.
  • Holding high credit delegation authority and being an accredited KYC (Know Your Customer) approver. This reflects their expertise and authority in assessing and approving credit applications.

Analyst

Commonwealth Bank
03.2021 - 06.2022
  • Providing support to clients undergoing changes on existing business loans and helping clients navigate loan adjustments, restructures, extensions, and refinances.
  • Obtaining and analysing financial documents related to client requests. This could involve changes due to divorce, death notices, or other circumstances and undergoing a credit application on this basis.
  • Demonstrating a deep understanding of clients' industries and external factors that may impact their financial performance.
  • Maintaining high levels of customer satisfaction through clear and effective communication. Ensuring that clients are informed, supported, and have a positive experience throughout the process.
  • Evaluating clients' current financial positions and future growth prospects to assess their creditworthiness.
  • Stepped in as Acting Team Manager for 2 months and contributed to various projects, such as transferring old business loans to the new Commonwealth Bank software
  • Credit Delegation held and worked in both Small Business Banking and Regional & Agribusiness Banking teams.

Credit Specialist

Commonwealth Bank
02.2020 - 03.2021
  • Assisting clients with new business inquiries related to asset finance.
  • Understanding client needs, analyzing their financial performance, and recommending suitable financial products and services.
  • Managing the credit approval process, which entails assessing the creditworthiness of applicants and making decisions regarding loan approvals.
  • Ensuring high levels of customer satisfaction by delivering excellent service and support throughout the application and approval process.
  • Providing recommendations to the Asset Finance Risk team if the applications exceeds my delegation.

Sales Associate: Retention Specialist

Commonwealth Bank
07.2018 - 02.2020
  • Providing expert advice to clients with end-of-contract options, such as refinancing or paying out their asset finance contracts and overseeing complex financial transactions.
  • Analysing clients' financial documents and packaging them for review by Asset Finance Credit Specialists
  • Being recognised as the 'Team MVP' in 2019 for exceptional performance, particularly in managing complex restructures and refinances
  • Delegating tasks within the team and acting as a point of reference for complex cases.
  • Ensuring high customer satisfaction by maintaining open lines of communication, following up on inquiries, and providing support throughout the process.

Education

Bachelor of Business - Applied Finance

Western Sydney University

Achieved Higher School Certificate - undefined

Parramatta Marist High School
2015

Skills

  • Proficiency in Thriving in a Dynamic Environment: Possessing the capability to excel and remain productive in a high-energy and rapidly changing work setting
  • Effective Pressure Handling and Solution Provision: Honed the ability to manage and thrive under pressure Skillfully addressing challenges and dilemmas by providing well-considered solutions in a timely and efficient manner
  • Strong Verbal and Written Communication Skills: Displaying a proficiency in articulating ideas, thoughts, and information both verbally and in written form
  • Skillful Resolution of Challenging Customer Interactions: Demonstrating the ability to handle difficult customer interactions with professionalism while ensuring that their concerns are addressed and their satisfaction remains the ultimate goal
  • Leadership and Effective Management Proficiency: Demonstrating strong leadership and management capabilities

Timeline

Business Analyst

Commonwealth Bank
06.2022 - Current

Analyst

Commonwealth Bank
03.2021 - 06.2022

Credit Specialist

Commonwealth Bank
02.2020 - 03.2021

Sales Associate: Retention Specialist

Commonwealth Bank
07.2018 - 02.2020

Bachelor of Business - Applied Finance

Western Sydney University

Achieved Higher School Certificate - undefined

Parramatta Marist High School

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Allan Philip