Eric Wong
Sydney,NSW
Summary
I have worked within the financial industry and have experiences within various segments. I have always gone above and beyond for my team and have placed highly with any given KPI metric. I am currently operating as a structured finance analyst for the Bank of Queensland.
Overview
5
5
years of professional experience
Work History
Fleet Credit Analyst
Orix Australia Corporation Pty Ltd
Sydney, NSW
06.2023 - Current
- Prepared and submitted credit papers for the establishment and annual reviews of customer fleet leasing facilities and P&A facilities to the Group Credit Committee.
- Assessed and approved chattel mortgage and novated leasing applications with a designated lending authority of $500k.
- Conducted monthly, quarterly and half yearly reporting for all aspects regarding credit exposures.
Structured Finance Analyst
Bank of Queensland
Sydney, NSW
03.2022 - 05.2023
- Assisted partners and end-user customers in wholesale transactions regarding fleet leasing, heavy vehicle commissioning, salary packaging and novated leasing requirements.
- Ensured transactions were within policy and risk appetite whilst remaining customer centric and contributing to a sustainable growth of the Structured Finance Portfolio.
- Completed detailed and comprehensive credit papers and memorandums on partners and end-user customers to a superior quality (including financial analysis, industry analysis, LGD drivers etc). Oversaw all submissions through to completion, negotiating with credit risk as required to ensure positive outcomes for all stakeholders
- Conducted regular monthly portfolio and covenant monitoring and reporting
- Sought and executed continuous improvement within the business, identifying opportunities to improve processes and adjusting policy risk appetite settings.
Commercial Credit Analyst
Assetline Capital
Sydney, NSW
08.2021 - 03.2022
- Assessment of commercial applications in relation to bridging, mortgage and construction finance
- Enabled in the assessment limit of up to $25 million
- Recommending application outcomes and desired loan-to-value ratios directly to the credit committee (CEO) based upon credit and collateral risks identified
- Determining the correct metrics and structure of scenarios proposed and liaising with internal sales team, brokers and third-party lenders to ensure various credit obligations required by each platform is met
- Structuring applications in accordance with credit and warehouse funding policies
Commercial Credit Analyst
GetCapital
North Sydney, NSW
05.2020 - 07.2021
- Assessment of SME applicants in relation to business loans, overdrafts, line of credit and asset finance
- Liaising with internal and external stakeholders such as brokers, accountants, valuers and other financial institutions to ensure credit obligations are met
- Granted a designated lending authority of $75,000.00
- Enabled in assessment limit of up to $150,000.00. Approvals provided via referral through Head of Credit & Chief Risk Officer
- Structuring applications in accordance with constantly updated credit policies
- Use of credit bureaus such as Equifax & Creditorwatch to determine application integrity and discover any adverse findings or undeclared debt
Settlements Officer
GetCapital
North Sydney, NSW
05.2019 - 05.2020
- Ensuring contract execution and documents submitted are in line with company credit policy and AML legislative requirements
- Daily communications with brokers and business development managers to enure that settlement is finalized within a efficient manner
- Account management and operation for various products including business loans, chattels, overdrafts and line of credit facilities
- Responsible for the lodgement and release of caveats, second mortgages, encumbrances and AllPAAPs
- Designing and optimizing operation processes; from daily functions to specific processes such as the development and implementation of the financial hardship process in March 2020 as a result of COVID-19
Education
Bachelor of Business - Finance
University of Technology, Sydney
Sydney NSW 11.2018
Skills
- Analytical
- Problem Solving
- Process Innovation
- Negotiation
- Collaboration
- Time Management
Timeline
Fleet Credit Analyst
Orix Australia Corporation Pty Ltd
06.2023 - Current
Structured Finance Analyst
Bank of Queensland
03.2022 - 05.2023
Commercial Credit Analyst
Assetline Capital
08.2021 - 03.2022
Commercial Credit Analyst
GetCapital
05.2020 - 07.2021
Settlements Officer
GetCapital
05.2019 - 05.2020
Bachelor of Business - Finance
University of Technology, Sydney
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