Allan Philip

Supported the Director Relationships with complex credit transactions, showcasing an ability to understand and structure lending scenarios for each transaction.

Key Responsibilities:

• Partnered with senior bankers to structure and prepare complex credit applications, including multi-entity lending structures, property-backed deals, working capital facilities, and cash flow lending.
• Assisted with detailed credit papers, assessing financial and non-financial risks, borrower strength, industry dynamics, and security positions.
• Acted as the go-to analyst for junior team members/analysts, providing support, peer review, and training.
• Managed direct engagement with brokers and clients to obtain information, clarify deal structures, and manage documentation requirements.
• Developed a deep understanding of Judo’s risk appetite and policy framework, enabling effective positioning of deals that sit outside the parameters of larger banks.

Director – Relationship Banking (Cover/Secondment) (Informal Secondment July 2024 – June 2025 | Formalised Secondment Feb 2025 - June 2025):

• Successfully managed a number of large and complex lending portfolios.
• Originated, structured, and executed multiple complex transactions ranging from $2M to $15M, with strong feedback from Credit and Risk teams.
• Acted as a key relationship lead during team transitions and periods of leave, ensuring continuity of service and execution for key client relationships.
• Recognised internally for a deep understanding of credit policy, and ability to balance risk and commerciality.
• Portrayed Judo’s relationship-led approach.
• Drove the end-to-end lending process, including client origination, deal structuring, credit submission, documentation and settlement.
• Built and maintained strong relationships with brokers, business owners, and key stakeholders, acting as the primary point of contact

• 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.

• 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.

• 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.

• 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.