Himal Shah

As a Credit Analyst, I am responsible for evaluating loan applications, performing credit assessments, and making recommendations to support responsible lending decisions. Analyse financial statements, credit reports, and other relevant data to determine creditworthiness while ensuring adherence to company policies and regulatory standards. Working closely with the Lending Operations team, you’ll contribute to the delivery of high-quality lending services that meet our customers' needs.

Key Responsibilities

• Conduct comprehensive credit assessments and analyse loan applications.
• Evaluate financial statements, credit reports, and supporting documents to assess the applicant's financial position.
• Recommend credit decisions in line with company policies and regulatory requirements.
• Collaborate with internal teams to ensure a seamless customer experience throughout the lending process.
• Monitor loan performance and maintain accurate records of credit analysis and lending decisions.
• Contribute to continuous process improvement initiatives within the Lending Operations team

Key Skills and Experience

• Experience in credit analysis or a similar financial role.
• Strong understanding of lending principles, credit assessment, and financial analysis.
• Ability to interpret financial statements and credit reports.
• Knowledge of regulatory requirements related to lending.
• Excellent communication and negotiation skills.
• High attention to detail and ability to work under pressure.

• Contacting pre-qualified customers Outbound /inbound leads by phone to provide lending advice at various stages of the online application process
• Specialised in Converting referrals to successful home loans and commercial loans
• Liaising with clients, real estate's agents, and conveyancer for timely settlement
• Maintaining relationship with BDM to ensure quick outcome on client's application
• Conducting Fact Find and provide indicative servicing in initial meeting
• Follow up with client's and assist them to achieve their financial goals by providing investment advice from time to time
• Achieving KPI'S every quarter

• Managing Portfolio of Personal Loan, Credit Card and Home loans and making regular contacts via Emails & Phones to recover overdue payments
• Regular communication with NAB to provide progress updates, discuss issues, surrounding the portfolio and agree appropriate resolutions, liaise regarding general business
• Assisting with development of additional reporting in Solutions view
• Evaluating and Handling Hardship cases and assisting customer in hardship situation by setting up appropriate review payment arrangement
• Following up Credit Card and Personal loan settlement as per the NAB & Internal guidelines
• Investing primary level of complaints and escalate to internal or external team based on the guidelines
• Achievements: Top Performer for October, January, March, June and achieved 150% results
• Achieved 90% KPI and improving every month
• Resolved payment received files above 50 every month

• Company Overview: New Zealand
• Strategy, Planning & Managing Profitability
• New Business, Underwriting New Mortgage Loans, Customer Engagement & Relationship Management
• Processing Mortgage applications and insurance applications, following up with customers on missing documents or information needed
• Identifying and developing New Business Opportunities, Negotiations & Implementations
• Research & Provide Specialist Advice
• Pro-actively manage outbound and inbound Calls for new business and retention
• New Zealand
• Achievements: High Take Up ratio & persistency of 96.6%
• Claim settlement ratio - High (99.9%) - Underwriting with high accuracy
• High New Business and Customer Retention - Grew client base by 12%
• Increased referral rates from existing customer base
• Increased API earnings by 15%

• Company Overview: New Zealand
• Lending experience
• Processing mortgage loans
• Providing options for banking services based on needs
• Experience in Processing Credit Card, Personal Loan, Insurances, Home loan, Opening Account, service and product recommendation
• Monitoring branch KPIs
• Management experience from January 2008
• Customer Retention / Generate New business leads
• Processing international currency transactions, foreign transfers
• Internal Reporting
• Training new Kiwibank staff
• New Zealand
• Accomplishments: Consistently exceeding branch KPIs by 20%
• Employee of the Year in 2010, 2011, 2014, 2016, 2018 within territory
• Generated a regional high 25 Kiwi saver accounts in one month
• Coached and mentored new Kiwi Bank staff