Eboni Hackett

Responsible for managing credit risk for retail lending applications across the retail network. building and maintaining strong working relationships with Branch and Owner Managers, BDMs and other various stakeholders. Other responsibilities:

• End to end credit risk assessment process for retail lending, ensuring alignment with regulatory standards and internal risk frameworks
• Exercising Delegated approval authority to assess and approve complex credit applications within prescribed limits ensuring sound, risk-based lending decisions
• Partnering with front line staff, lending teams and other internal stakeholders to structure deals that balance customer needs with responsible lending practices and acceptable risk exposure
• Providing expert recommendations on high-value or high risk applications to credit committees and senior management
• Continuous on the job training to front line staff / Broker assessors on credit criteria, document standard, application quality and risk evaluation

Responsible for managing credit risk on small ticket consumer and commercial transactions for BOQ Finance and building and maintaining strong working relationships with the Dealer networks. Other responsibilities include:

• Exercising a DAA within company policy
• Preparing/recommending submissions to the relevant Credit Risk Officer for transactions above own personal DAA
• Provide timely turnaround of all applications within agreed Service Level Agreements
• Credit administration including maintaining active communication networks and liaison with all relevant parties
• Fully engage and participate in credit process improvement initiatives to meet key operational business needs of acceptable turnaround times and high productivity whilst maintaining business controls within appropriate credit standards
• Undertake and complete tasks/projects assigned by the Retail Credit Manager which contribute to the efficient and effective operation of the credit team
• Explain credit decisions to Sales Staff and training them on the acceptance criteria
• Provide phone support to the dealership network regarding credit decisions

Responsible for supporting Branch Owner Manager and Lending Manager with all new loan applications, as well as ensuring all files are compliant, while also completing all maintenance

requests on loans products. Other responsibilities include:

• Data collection for all new lending applications
• Submitting all lending applications (retail, commercial, BOQF)
• Conducting loan interviews
• Excellent communication skills, ensuring customers fully understood all documentation/information requests
• Extensive knowledge of all Policies and procedures (retail, commercial and equipment finance) as well as responsible lending guidelines
• Conflict resolution – when required to discuss certain outcomes with customers that they may not necessarily agree with
• Ability to analyse financial statements and tax returns, for all entities
• Being able to utilize problem solving skills to figure out work arounds for various applications outside Bank’s policies
• Submitting high quality applications to Credit Teams
• Assisting in meeting monthly KPIs

In this role my tasks included validating retail home loans across the BOQ network to satisfy compliance standards. I also assessed and validated VMA Broker applications and was part of the

pilot team to introduce the new way of working for all Broker Assessors.

Other responsibilities included:

• Extensive knowledge of BOQ’s lending policy and procedures
• Reporting any possible fraudulent documentation/applications
• Working towards the Team’s SLAs
• Effective communication skills, across the Broker and Retail Branch network Conflict resolution, when communicating various outcomes with both BoQ retails Branches

and Brokers

• Ability to work across all queues where required (self-Employed, PAYG, Broker Assessor)
• Reporting to Team Leader for regular one on one catch ups
• Meeting KPIs (quality assurance scores/SLA requirements)

Responsible for completing all loans maintenance requests, release requests (including

substitutions/variations) and ensuring all lending files are compliant (Personal/Home/Business

Loans)

Responsible for providing outstanding customer service, ensuring customer needs are met and also

meeting monthly referral targets. Great communication skills were essential as well as extensive use

of various computer systems.

Responsible for providing outstanding customer service, ensuring customer needs are met and also

meeting monthly referral targets. Great communication skills were essential as well as extensive use

of various computer systems.