Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

CAROL KAMEL

Oran Park,NSW

Summary

Passionate and hardworking business banking professional. Manage and develop existing client relationships and portfolios to maximise their full potential. Build new relationships with new clients through marketing and lead generation.

Constantly developing myself with ongoing coaching and training. Driven and motivated to succeed and achieve targets as an individual and as a team. Innovative thinking with a huge emphasis on customer satisfaction. An appreciation for cultural and social diversities. Fluent Arabic speaking skills.

Overview

22
22
years of professional experience

Work History

Loan Review Manager

Rabobank
10.2019 - Current
  • Perform hindsight review/credit compliance activities independent of decision/approval authority as a subject matter expert of Credit Risk for Line 1 and Line 2 responsibilities.
  • Complete a sample of reviews at a minimum of 5% of portfolio in line with APRA requirement.
  • Maintain an escalation process (of material issues) and an Action Log for key insights and identified remediation actions.
  • Maintain a feedback framework (reports/recommendations) to Executive Management on actual practices/findings and trends of significance.
  • Produce quarterly summaries on activities and dashboards to indicate compliance with Banks credit policies and procedures.
  • Provide insight and feedback to new policies and procedures as subject matter expert before it is published to Line 1 and Line 2.
  • Assist Head Office in Utrecht, NL with any local reviews for reporting to European Central Bank (ECB).
  • Perform 'Deep Dives' for Chief Risk Officer, Financial Restructuring and Head of Loan Review in Utrecht, NL Head Office.

Relationship Manager

Arab Bank
11.2018 - 10.2019
  • Built and maintained relationships with new and existing clients while providing high level of expertise.
  • Source new business through existing customer referrals, prospect client visits and referral networks.
  • Completing preliminary assessments for new transactions predominantly for property development/construction, commercial property investment, and start-ups.
  • Coach and upskill the credit analysts within the team.
  • Continuously updated personal knowledge of banking regulations and compliance requirements to minimize risk exposure for both clients and the organization.
  • Complete financial assessment and analysis for proposed new loans, increases, restructures, annual reviews and ensure that loans are structured appropriately.
  • Complete industry analysis and report trends in the market and share with the sales teams, credit analysts and credit.

Risk Executive

Commonwealth Bank Of Australia
05.2016 - 11.2018
  • Undertake hindsight reviews (internal audit function) of the quality of individual credit decisions across all sectors of Business & Private Banking (B&PB) up to $250 million.
  • Deliver insights that provide real value to both front line B&PB business units and risk teams. The nature of these insights includes identifying issues that impact the credit quality of the B&PB portfolio, identifying areas for potential improvement in credit quality and assessment and also identifying areas of best practice and opportunities for business growth.
  • Recommend changes, updates to policy where there has been change in industry risk, or consistent misinterpretation of policy.
  • Provide insights to projects teams involved in new products, procedures and proposed policy changes.
  • Complete credit reviews for Financial Ombudsman Complaints (FOS), APRA and Royal Commission.

Credit Risk Executive

Commonwealth Bank Of Australia
03.2015 - 05.2016
  • Review and approve credit applications within a $30M delegation or recommend decisions outside of my delegation for proposals originating from Business & Private Bank.
  • Ensuring bank policies and procedures have been adhered to or mitigated appropriately where there is an exception.
  • Assessing risk of the transaction and structuring it appropriately to meet customer needs and reduce risk for the bank.
  • Working with internal clients to deliver insightful risk advice and coaching.
  • Contributing to the on-going improvement of the risk management within Business & Private Bank.
  • Ensuring portfolios are appropriately monitored and where necessary, ensuring action is taken expeditiously where credit migration is evident.
  • Ensuring that standards of origination, analysis, review and recommendation are best practice.
  • Strong attention to detail and assessing larger more complex deals including cash flow lending, property investment & development, Agriculture and Rural Business, New Client Acquisitions, Childcare, Rent Roll and Franchise.

Senior Business Credit Analyst

National Australia Bank
10.2013 - 03.2015
  • Direct working relationship with Business Banker to meet business needs of customers.
  • Confirm that transaction is within policy and standards of the bank.
  • Assess debt servicing capacity for each transaction and ensure primary exit is sound.
  • Assess security and risk of the transaction to reduce the banks likelihood of default and structure the transaction accordingly.
  • Complete analysis on financial information provided by the customers to understand financial trends and any adversity in the business performance from year to year.
  • Understand the industry risk and regulatory requirements if applicable.
  • Ensure compliance of the group is consistent with Quality and Assurance.
  • Accredited in Property Investment, Property Development, SMSF, Going Concern, Rent Roll and Agricultural industries.
  • Coach and develop junior analysts through deal discussions, fortnightly training on areas requiring upskill.

Senior Business Banking Associate

National Australia Bank Ltd - Business Banking Centre
08.2010 - 10.2013
  • Assisting in the management and growth of commercial customer portfolio which is predominantly property development / construction and commercial property investment with lending up to $50 million.
  • Sourcing new to bank clients through proactive calls and existing referral sources such as accountants, legal professionals , Real Estate agents etc.
  • Analysing financial information and cash flow for businesses to determine suitable products to assist with their business trade and business growth.
  • Writing credit submissions including financial and risk analysis for loans up to $50 million.
  • Restructuring existing client loans to accommodate for changes to client's business needs.
  • Checking documents are correct and signed properly and clients understand all documents.
  • Effectively managing settlement/drawdown of client loans according to settlement dates.
  • Keeping up to date with policy changes, product changes and interest rate changes.
  • Ensuring that portfolio is compliant with bank and government policy.

Strategic Business Services Analyst

National Australia Bank Ltd
03.2008 - 01.2010
  • Supporting two senior impaired asset managers.
  • Assisting in the management of impaired assets of approximately 50 files per manager with exposures of up to $50 million per file.
  • Calculating debt figures and provisioning expected losses for the bank.
  • Advising customers of their liability position, assessing customers' serviceability.
  • Meet customers to understand their situation and whether they have the ability to repay their debt through refinance or asset sales.
  • Communicating with the managers and working together to find the appropriate strategies to recover the maximum return to the bank with minimum cost.
  • Assisting in insolvency, debt reduction/recovery, identifying banking errors and potential customer fraud, assessing the risk to the bank, conveyancing, and litigation.

Senior Account Manager

Medfin Australia Pty Ltd
02.2005 - 03.2008
  • Medfin predominantly provides asset finance products including fit outs of surgeries to healthcare professionals as well as funding for purchase of Good Will, Commercial Property, Motor Vehicles and working capital assistance.
  • Managing existing relationships and finding new business through attending conferences, supplier leads and referrals from existing contacts.
  • Taking client calls, visiting clients, attending to client requests and inquiries, quoting clients, writing and submitting applications, analysing profit & loss balance sheets and personal tax returns.
  • Building and maintaining relationships with suppliers and dealerships.
  • Following up quotes more than 7 days old.

Customer Service Representative

Westpac Banking Corporation Ltd
07.2003 - 02.2005
  • Keeping files in order.
  • Completing transaction for the customer, cash handling large amounts both over the counter and through business express deposits.
  • Handling telephone enquiries and assisting customer with any queries.
  • ATM custodian which involves balancing the ATM and ensuring sufficient cash is held in the machine every day.

Education

First Aid And CPR Certification

First Aid Coach Group Australia
05-2024

CreditWise - Part B By Moody's Wholesale

Moody's Analytics
10-2021

Bachelor Of Business And Finance -

University Of Western Sydney
01.2011

Advanced Omega Course - Financial Services

National Australia Bank
01.2008

Financial Services Tier 1 And 2 Accreditation - undefined

National Australia Bank
01.2008

Bachelor Industrial Design & Engineering -

University Of Western Sydney
01.2007

Higher School Certificate -

St Marys Senior High School
St Marys NSW
01.2002

Skills

  • Risk management processes and analysis
  • Staff development
  • Interpersonal and written communication
  • Self-motivated
  • Customer service
  • Advanced skills in Microsoft Word, Power Point, Excel, Outlook, Siebel
  • Complex Problem-solving
  • Strong verbal communication
  • Budgeting and finance
  • Extremely organized
  • Report writing
  • Process implementation

Accomplishments

  • Successfully sourced and approved up to $25m worth of facilities within the first 4 months of my employment at Arab Bank.
  • Contributed to significant changes to calculation of Leveraged Transactions model which achieved compliance with European Central Bank requirements.
  • Identified errors in the Probability of Default model and policy resulting in effective remediation.
  • Completed in depth analysis and review for CBA CEO in relation to Royal Commission enquiries.
  • Enterprise recognition award for well written construction credit memorandums.
  • Nab (SBS) - Star Award (Great teamwork i.e. training new staff on systems, policies and procedures)
  • Nab (SBS) – Waves of Recognition in June 2009 (Recovered $15.0M in bad debt while Snr Mgr was on leave in the first month)
  • Award at Medfin – Support Officer of the Year

Timeline

Loan Review Manager

Rabobank
10.2019 - Current

Relationship Manager

Arab Bank
11.2018 - 10.2019

Risk Executive

Commonwealth Bank Of Australia
05.2016 - 11.2018

Credit Risk Executive

Commonwealth Bank Of Australia
03.2015 - 05.2016

Senior Business Credit Analyst

National Australia Bank
10.2013 - 03.2015

Senior Business Banking Associate

National Australia Bank Ltd - Business Banking Centre
08.2010 - 10.2013

Strategic Business Services Analyst

National Australia Bank Ltd
03.2008 - 01.2010

Senior Account Manager

Medfin Australia Pty Ltd
02.2005 - 03.2008

Customer Service Representative

Westpac Banking Corporation Ltd
07.2003 - 02.2005

Advanced Omega Course - Financial Services

National Australia Bank

Financial Services Tier 1 And 2 Accreditation - undefined

National Australia Bank

First Aid And CPR Certification

First Aid Coach Group Australia

CreditWise - Part B By Moody's Wholesale

Moody's Analytics

Bachelor Of Business And Finance -

University Of Western Sydney

Bachelor Industrial Design & Engineering -

University Of Western Sydney

Higher School Certificate -

St Marys Senior High School

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CAROL KAMEL