Damien Joyce

Determined Credit Specialist proudly offering many years' experience in making effective decisions, finding solutions to problems and assisting customers. A valuable employee known for communicating complex information in terms that are easily understood. Skilled in credit procedures and developing client relationships. Results-driven Credit Specialist experience in running credit applications to assist with loan portfolios. A sharp employee skilled in scrutinizing financial data and analytics. Ready for a new position where a financial background can be best utilized. Team-focused individual willing to go the extra mile to ensure quality service to each and every customer. A bilingual Credit Specialist with a commitment to effective and efficient loan application processing. Highly skilled Credit Specialist with experience in managing large credit portfolios, performing detailed risk assessment, and implementing effective financial solutions. Display strong analytical skills, a knack for problem-solving, and the ability to work under pressure. Previous roles have demonstrated success in improving credit processes and reducing delinquency rates by establishing robust credit policies. Analytical Credit Specialist known for high productivity and efficiency in task completion. Possess specialized skills in credit analysis, risk management, and financial reporting. Excel at communication, problem-solving, and teamwork, ensuring seamless operations in credit departments. Dedicated Credit Officer knowledgeable about assessing financial documents, organizing applications, and providing recommendations for approval or disapproval. Meticulously organized and systematic with strong judgment and critical thinking skills. Looking for a permanent role with room for career growth. Proficient financial professional well-versed in validating credit of borrowers. Excellent communication and problem-solving abilities. Bringing many years' experience in banking and related roles. Experienced in maintaining legal and institutional compliance for all loans. Carefully evaluates property values and borrower backgrounds. Focused on balancing risk and profit potential to optimize portfolios. Great multitasker and critical thinker with devotion to accuracy and efficiency. Supervises and leads office to maximize and streamline functionality. Skilled credit manager administers credit operations and account management. Top strengths in data analysis, time management and both verbal and written communication. Several years of experience supporting financial needs for organizations within the field. Multi-talented professional proficient in applying credit policies to meet standards. Familiar with regulatory requirements and best practices. Eager to take on new professional challenge in credit management. Dedicated credit manager with high integrity and deep knowledge of the field bringing several years of related experience to support business financial needs. Specializing in credit administration. Meticulous credit management professional. Collaborates well with other bank departments to keep operations running smoothly. Experienced at training and mentoring junior employees. Highly knowledgeable in credit authorization, checking, and clerical duties with experience managing credit analysis and decision-making processes. Skilled in leveraging analytical abilities to assess financial information and customer data effectively. Demonstrated capability to improve loan processing times while maintaining compliance with established policies and regulations. Contributed to enhancing customer satisfaction through prompt and accurate transaction handling.

• My Team and I were awarded the 2002 Commonwealth Bank Regional Business Banking Centre of the Year.
• I was awarded the 2004 CBA Credit Manager of the Year.

• Completed Omega on three occasions - latest 7/1/2016.
• Completed Certificate in Xero and Advance Certificate in Xero 29/10/2022.