ELIZABETH DINH
Sydney,NSW
Summary
Highly experienced Founder with over 20 years in corporate and boutique firms, specialising in bank and non-bank real estate and SIT markets. Successfully initiated, executed, and closed transactions valued at over $1bn in debt. Expertise in managing minor and major projects, navigating complex relationships, risk profiles, and shareholder groups. Exceptional interpersonal skills and empathy distinguish from others in the field, allowing for intuitive identification of opportunities and effective planning and execution for success. Known as a champion of best practices, demonstrating strong organizational abilities and making every customer feel special. Proven track record of launching and scaling successful ventures as an entrepreneur. Skills in strategic planning, business development, and financial management consistently yield high-impact results. Excels at fostering team collaboration and adept at adapting to changing market conditions while driving innovation. Experienced with credit risk management, financial analysis, and regulatory compliance. Utilizes strategic planning and policy implementation to enhance credit processes and safeguard organizational finances. Track record of fostering collaborative teams and driving results in dynamic environments.
Overview
20
20
years of professional experience
Work History
Founder/Partner
Malka APAC (formerly Acceler8 Advisory)
06.2020 - Current
- Company Overview: A mid-market advisory and fund management business specialising in debt capital markets, wholesale mortgages funds (WMIS)/distribution/origination/underwriting/CAR/AFSL and Compliance (Advised $1bn+ structured debt)
- Established a successful business by identifying market needs and developing innovative solutions.
- Delivered exceptional customer service by addressing client concerns promptly and effectively resolving issues.
- Built a positive organizational culture that fostered creativity, innovation, and employee engagement.
- Oversaw financial management activities such as budgeting, forecasting, and cash flow monitoring for improved financial stability.
- Expanded the company''s geographical reach, opening new markets and increasing profitability.
- Developed strong partnerships with key industry players, contributing to an increased market presence.
- Navigated company through regulatory landscapes, ensuring compliance with all industry standards and laws.
- Led company through successful rebranding effort, refreshing brand image to appeal to broader audience.
- Negotiated partnerships with suppliers to reduce costs, enhancing profitability with strategic sourcing.
- Collaborated with legal, accounting and other professional teams to review and maintain compliance with regulations.
- Devised and presented business plans and forecasts to board of directors.
- Achieved successful client outcomes by identifying and addressing their unique needs and goals.
- Stayed informed on industry developments and market trends to gain competitive advantage.
- Negotiated settlements, achieving mutually satisfactory resolutions for clients involved in disputes.
- Spoke with peers to verify task completion, meeting tight deadlines, and schedules.
- Leveraged technological tools for efficient case management, organization, and enhanced client communication.
- Developed strong partnerships with other businesses to allow for collaboration and more significant opportunities for growth.
- Spearheaded negotiations with key partners, significantly enhancing collaboration and achieving mutual business goals.
- Developed strategies for court proceedings and negotiations.
- Researched and wrote contracts, agreements and proposals.
Founder/Senior Broker
iMoney Financial
01.2017 - Current
- Company Overview: Founded in 2017 iMoney Financial is accredited to 30+ bank and non-bank intuitions specialising in commercial and specialised loans ($200m+ origination)
- Developed strong partnerships with other businesses to allow for collaboration and more significant opportunities for growth
- Streamlined processes within the brokerage team, leading to increased efficiency and improved response times for clients.
- Expanded the company''s clientele by building strong relationships with key decision-makers through networking events and industry conferences.
- Established a successful business by identifying market needs and developing innovative solutions
- Delivered exceptional customer service by addressing client concerns promptly and effectively resolving issues
- I am also a credit representative (506461) of Connective Credit Services (Australian Credit License 389328) as well as an ongoing member of the MFAA (335494)
- Founded in 2017 iMoney Financial is accredited to 30+ bank and non-bank intuitions specialising in commercial and specialised loans ($200m+ origination)
- I am also a credit representative (506461) of Connective Credit Services (Australian Credit License 389328) as well as an ongoing member of the MFAA (335494)
Head of Credit
Aura Group
04.2022 - 11.2024
- Evaluated emerging market conditions/trends regularly in order to refine lending strategies accordingly based on anticipated shifts within the industry landscape.
- Balanced risk/return considerations carefully while making critical decisions concerning loan approvals, extensions, and modifications.
- Worked closely with legal counsel on complex cases, mitigating potential losses through timely resolution of disputes.
- Optimized credit policies and procedures in accordance with industry best practices, resulting in improved risk management capabilities.
- Improved credit department efficiency by streamlining processes and implementing new technologies.
- Developed strong relationships with clients, ensuring timely payments and minimizing delinquencies.
- Prepared detailed reports for executive management, highlighting key performance indicators related to the company''s credit activities.
- Enhanced overall portfolio quality by conducting thorough reviews of existing client accounts.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Conducted financial due diligence on potential investments and acquisitions.
- Created and managed financial models to evaluate corporate investments and acquisitions.
- Managed a team of credit analysts, providing guidance and support to ensure accurate risk assessments.
Partner/Managing Director
Integrated Securities Limited
01.2017 - 01.2020
- Company Overview: Boutique Investment Firm specialising in debt capital markets and strategic advisory across the AUSPAC region
- Origination and underwriting ($500m+)
- Boutique Investment Firm specialising in debt capital markets and strategic advisory across the AUSPAC region
- Origination and underwriting ($500m+)
Private Banker
BOQ Specialist Bank
01.2014 - 01.2017
- Company Overview: Specialising in Medical and Allied Health Professionals, Elizabeth implemented the mortgage book from conception to over ($150m+ settled)
- Specialising in Medical and Allied Health Professionals, Elizabeth implemented the mortgage book from conception to over ($150m+ settled)
Private Banker Banking and Property Group
Macquarie Bank
01.2008 - 01.2014
- Company Overview: Working with aggregators, mortgage book from conception to over $450m+ settled
- Working with aggregators, mortgage book from conception to over $450m+ settled
- Demonstrated expertise in various banking products like loans or mortgages, ensuring clients make well-informed decisions.
- Improved client retention rates by consistently exceeding expectations in terms of service quality and responsiveness.
- Increased loan portfolio size by underwriting credit requests in a timely manner, ensuring adherence to bank guidelines and policies.
- Built strong referral networks with external partners such as attorneys or accountants to bring in new business opportunities.
Education
Diploma of Finance RPL -
AAMC Training
Cert IV in Finance and Mortgage Brokering -
FINSIA
01.2014
Skills
- Commercial Real Estate
- Private Credit/SIT
- Loan Servicing
- Loan Recovery
- Underwriting
- Workout Strategies
- Distressed Debt
- Investor relations
Timeline
Head of Credit
Aura Group
04.2022 - 11.2024
Founder/Partner
Malka APAC (formerly Acceler8 Advisory)
06.2020 - Current
Founder/Senior Broker
iMoney Financial
01.2017 - Current
Partner/Managing Director
Integrated Securities Limited
01.2017 - 01.2020
Private Banker
BOQ Specialist Bank
01.2014 - 01.2017
Private Banker Banking and Property Group
Macquarie Bank
01.2008 - 01.2014
Diploma of Finance RPL -
AAMC Training
Cert IV in Finance and Mortgage Brokering -
FINSIA
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