Bikram Singh
Point Cook,VIC
Summary
Professional with strong analytical skills and background in financial assessment. Adept at evaluating creditworthiness and managing risk, bringing high level of precision to financial analysis and reporting. Known for effective team collaboration and flexibility, ensuring reliable support in dynamic environments. Proficient in financial modeling, credit risk analysis, and market research, with focus on achieving measurable results.
Overview
6
6
years of professional experience
Work History
Credit Analyst/loan Processor
Lending Association
04.2023 - Current
- Review and assess home loan applications.
- Manual credit assessments.
- Assessing client financial situation, goals and preferences.
- liaising with brokers and customers from start to finish in regards to their applications.
- Assessing credit risk and analysing financial statements.
- Guiding clients through the loan application process.
- Communicating with lenders on behalf of clients to negotiate terms, rates and conditions.
- Compliance with industry regulations, ethical standards and legal requirements.
- Analysing customer data such as financial statements to determine level of risk involved for extending credit.
Research data analyst
National Australia bank
02.2020 - 03.2023
- Research, Data analysis, collection and Management.
- Keeping up to date with legislation and polices.
- Preparing reports for internal and external use.
- Analysing trends and patterns.
- Conducting market research and impact of external factors like inflation and interest rate changes.
- Pricing and revenue forecasting.
- Working closely with financial analysts and portfolio managers.
- Ensuring meeting of compliance standards.
- Preparing clear concise reports.
franchisee/owner
7 eleven Australia
07.2019 - 01.2020
- Day to day running of the store.
- Financial and physical upkeep of the store.
- Regular audits of stock.
- Staff management and recruiting.
- Compliance with council and state regulations.
- Ordering, storing and managing stock.
- Product and procedure updates.
- Collaborating with head office to execute plans and marketing campaigns for the store.
Education
Bachelor of Business - economics and finance
RMIT University
Advanced Diploma of Management - undefined
Carrick Institute
Certificate 4 in Finance and Mortgage Broking - undefined
IIT Melbourne
Skills
- Analytical problem-solving expertise
- Self-driven with a strong sense of ownership for my work
- Positive problem solving
- Strong written and verbal communication
- Great initiative to improve processes
- Organised and able to prioritise tasks
- Friendly team player and recognise that it takes unity to reach success
- High attention to detail
- Resilient and able to perform under pressure
- Adaptable to new situations and able to learn quickly
- Risk assessment
Languages
English
Full Professional
Punjabi
Native or Bilingual
Portuguese
Limited Working
Timeline
Credit Analyst/loan Processor
Lending Association
04.2023 - Current
Research data analyst
National Australia bank
02.2020 - 03.2023
franchisee/owner
7 eleven Australia
07.2019 - 01.2020
Advanced Diploma of Management - undefined
Carrick Institute
Certificate 4 in Finance and Mortgage Broking - undefined
IIT Melbourne
Bachelor of Business - economics and finance
RMIT University
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