Summary
Overview
Work History
Education
Skills
References
Timeline
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Harman Johal

Doreen,VIC

Summary

Finance professional with 5 years' experience, specialisingin commercial underwriting for the last 3 years. Proven track record in risk assessment, financial analysis, and credit evaluation. A strategic thinker with strong analytical skills, adept at navigating complex financial landscapes. Known for effective communication, relationship-building, and delivering high-quality results. Committed to contributing to team success and aligning with organizational goals.

Overview

6
6
years of professional experience

Work History

Commercial Underwriter

LIBERTY FINANCIAL
01.2021 - Current
  • Assess applications and make credit decisions that are consistent with company rules, policies, and legislation such as the Privacy, Brokers and SIS Act
  • Evaluate commercial and residential property valuation reports
  • Making loan eligibility decisions and approving or rejecting applications
  • Exercise delegated lending authority within limits and consult with management
  • Provide and accept regular and constructive feedback from colleagues to improve team performance, interpersonal and cross-department relationships
  • Analysing SME business financial reports
  • Undertake activities in a manner that clearly demonstrates concern for quality and risk through the reduction of inconsistencies, uninformed risk taking and errors in the application of work
  • Adopt and promote Agile work as a scrum master which include team-based stand-ups and learning through retrospectives and experiments to progress Agile goals
  • Making recommendations, in accordance with established lending policies
  • Manage SLAs and deadlines to meet team and company goals
  • Develop and manage underwriting strategies for the overall portfolio
  • Building rapport with and providing a professional and effective service to intermediaries and key stakeholders
  • Ensure partial discharge, consent and rollover requests are promptly and effectively actioned.

Settlement Officer

LIBERTY FINANCIAL
12.2019 - 01.2021
  • Delivered exceptional customer service through inbound/outbound calls, addressing settlement inquiries and assisting Business Managers
  • Ensured accurate funding preparation, contributing to the success of settlements
  • Monitored and managed the document/settlement pipeline, meeting strict deadlines
  • Performed diverse administrative functions related to settlements and discharges
  • Produced precise security/loan documentation, incorporating special conditions and fees.

Loss Mitigation Officer

LIBERTY FINANCIAL
05.2018 - 12.2019
  • Proactively mitigated potential losses through timely collection activities
  • Assessed and negotiated restructure and variation applications for customers in financial hardship
  • Implemented alternative options through effective negotiations
  • Resolved issues promptly by developing alternative solutions and gathering/analyzing information
  • Managed accounts strategically to mitigate loss impact and collaborated with key stakeholders.

Education

Bachelor of Finance, Tertiary -

La Trobe University
Bundoora, VIC
01.2017

Victorian Certificate of Education, Secondary -

Plenty Valley Christian College
Doreen, VIC
01.2014

Skills

  • Intermediate Excel skills (Arrays, Lookups, Index's, Error handling, etc)
  • Excel Plugins (Solver, Data Analysis, Analysis Tool pack)
  • SQL Server Management Studio
  • Auto Hot Key
  • Intermediate Database Management skills (Microsoft Access, SAP Business One)
  • Intermediate Project Management skills (Microsoft Project)
  • Proficient knowledge of Microsoft Office Suite, Windows

References

Upon Request

Timeline

Commercial Underwriter

LIBERTY FINANCIAL
01.2021 - Current

Settlement Officer

LIBERTY FINANCIAL
12.2019 - 01.2021

Loss Mitigation Officer

LIBERTY FINANCIAL
05.2018 - 12.2019

Bachelor of Finance, Tertiary -

La Trobe University

Victorian Certificate of Education, Secondary -

Plenty Valley Christian College

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