Darren Rozairo
Melbourne,VIC
Summary
A highly motivated individual having recently completed a Master’s in Business Administration with a focus on Project Management. With a keen interest for content in an online manner and a strong desire to get deeper into the field of online content, SEO and writing. Seeking new challenges where with the intention to gain invaluable experience allowing for personal and professional development. In return devoting best efforts towards contributing to the overall success of the business whilst maintaining the highest levels of professionalism and standards amongst myself and peers.
Overview
12
12
years of professional experience
Work History
Credit Analyst
Commonwealth Bank of Australia
06.2021 - Current
- Conduct thorough analysis of business financial statements to evaluate creditworthiness, including income statements, balance sheets, and cash flow projections. Identify key financial metrics, trends, and potential risks in line with Bank policy and appetite. Complete lending applications accurately and efficiently, ensuring all necessary information is gathered and documented. Assessing creditworthiness of applicants based on financial data, credit history, and bank appetite
- I incorporate credit scoring models and risk assessment techniques to make informed decisions regarding credit approval or denial, ensuring compliance within regulatory requirements, internal policies, and industry practices to safeguard client privacy and confidentiality throughout the credit assessment and lending process
Associate
National Australia Bank
01.2019 - 06.2021
- Holding a level 3 Credit manager DCA for $3million dollars, I managed a large Portfolio of categorized small business customers and impaired assets with lending amounts totalling $3million in lending per Business. Responsible for client relationship management, credit decisions, credit assessment and management of recovery strategies to the Bank, if unable to come to a suitable solution or agreement I work alongside NAB’s external stakeholders to coordinate Mortgage in Possession sales against assets if required.
- I work with Business’ in severe hardship and delinquency whilst being one of 4 team members who manage complex and sensitive files. Domestic Violence, Life Tenancy, Illness, Liquidation, Deceased Estates, Assessing Risk, and Credit assessments are daily activities. Mitigating potential Ombudsman and/or AFCA threats or managing and seeing them through to protect the Bank’s position while ensuring NAB is compliant with all APRA and NCCP requirement are part of my ongoing duties while I am managing a Business group.
- My last financial year in the team my work output was 5x greater that anyone else in my team whilst also meeting all my KPI’s. This was on top of being considered as 1 of 4 SME’s for NAB’s COVID Business deferrals and simultaneously being the 2IC for my new team after our department expanded. Nominated to travel to Albury and Wodonga with the Head of our Department to represent NAB amid Bushfire impacted regions.
- Prior to leaving I also initiated a forum between the Leadership team and experienced Associates managing complex files to come together for regular catchups to roundtable and get alternative approaches to existing strategies and NAB’s recovery approach. This will also help identify future talent for more capable Associates to step up to take on this added responsibility and ensure that knowledge and ability gaps are not to stretched across the department.
NAB Assist Advisor
National Australia Bank
11.2016 - 01.2019
- Management of over 8000 Retail Customers in Hardship within the NAB Assist Customer Care Team. Ensuring that the Bank adheres and stays compliant with NCCP regulations & APRA guidelines whilst providing Hardship outcomes to customers within a timely manner (Reduced payment arrangement, Moratoriums, Debt waivers etc.)
- Supporting team members across the floor, being a point of escalation to resolve difficult and complex queries whilst simultaneously taking on 2IC duties for my team leaders and stepping up to manage shifts when required. Maintaining high levels of confidentiality to ensure Banking privacy is maintained and provide exceptional levels of customer service whilst constantly achieving NPS results of >70 being one of the highest team results throughout the NAB.
Personal Trainer
Goodlife Health Clubs
08.2012 - 07.2013
- Building Rapport, Client Confidentiality, Group Leadership, 1 on 1 consultations, Client portfolio management
Education
MBA - Masters in Business Administration
RMIT University
Melbourne, VIC12.2023
Graduate Certificate Business Administration -
RMIT University
Melbourne, VIC03.2022
Short Course in Bookkeeping 1 and 2 -
Holmesglen Tafe
Melbourne, VIC12.2015
Certificate III and IV in Fitness -
Australian Institute of Fitness
Melbourne, VIC09.2012
Diploma of Health Science -
Melbourne Institute of Business And Technology
Melbourne, VIC02.2012
Skills
- Ability to work independently and meet deadlines
- Dependable
- Financial statement analysis
- Relationship and Stakeholder management
- Strong attention to detail
- Strong research skills
- Understanding of SEO and how to target key words
- Understanding of how to research niches and identify areas of interest in consumers
- Risk Assessment
Socialprofile
https://au.linkedin.com/in/darrenrozairo
Timeline
Credit Analyst
Commonwealth Bank of Australia
06.2021 - Current
Associate
National Australia Bank
01.2019 - 06.2021
NAB Assist Advisor
National Australia Bank
11.2016 - 01.2019
Personal Trainer
Goodlife Health Clubs
08.2012 - 07.2013
MBA - Masters in Business Administration
RMIT University
Graduate Certificate Business Administration -
RMIT University
Short Course in Bookkeeping 1 and 2 -
Holmesglen Tafe
Certificate III and IV in Fitness -
Australian Institute of Fitness
Diploma of Health Science -
Melbourne Institute of Business And Technology
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