Summary
Overview
Work History
Education
Skills
LANGUAGE
Timeline
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HO-RYONG CHUNG

Kellyville,NSW

Summary

Dedicated Mortgage and Consumer Lending professional with over 10 years of experience in the Banking and Finance sector. Proven expertise across both traditional banking and fintech environments, having worked with one of Australia’s largest banks and a high-growth digital lender. Strong capability in Credit Assessment, Credit Risk Management, Analytical Reasoning, Problem Solving, and Decision Making. Known for leadership in mentoring and coaching peers, with a strong grounding in operational and credit risk practices across residential lending portfolios.

Overview

13
13
years of professional experience

Work History

SENIOR CREDIT ASSESSOR

Athena Home Loans
08.2024 - Current
  • Currently hold Delegated Lending Authority of $2 million per deal, with $5 million aggregate capacity.
  • Responsible for end-to-end assessment of complex residential home loan applications across both PAYG and self-employed borrowers.
  • Identify and mitigate credit risks through detailed analysis of conduct, serviceability, security, and overall customer profile.
  • Maintain strong lending quality by applying judgement, consistency, and adherence to organisation's risk appetite

QUALITY ASSURANCE ANALYST [SECONDMENT]

Athena Home Loans
03.2023 - 10.2023
  • Undertaking hindsight quality assurance reviews of Credit assessed loan files and providing feedback to the Credit team.
  • Performing documentation and system input reviews of recently settled loans to assess and evaluate the completeness, accuracy, and compliance with regulations and internal policies.
  • Assisting management in identifying ways to reduce errors and providing risk prevention coaching.
  • Analysing quality assurance trends and making recommendations for system enhancements or process changes to reduce errors.

CREDIT ANALYST

Athena Home Loans
02.2019 - 07.2024
  • Assess home loans applications within my delegated lending authority ($1.5 mil). Applications include PAYG and Self-employed entities.
  • Meet the quality and performance expectations set out for the role
  • Work autonomously and with attention to detail, including having strong data entry skills with a high accuracy rate

CBD - RELIEVING BRANCH MANAGER

Commonwealth Bank of Australia
10.2017 - 01.2019
  • Manage and coach direct reports, ensuring strong process and product knowledge, motivate staff and set individual and team performance objectives are achieved
  • Establish and maintain professional relationships through various networking avenues and stakeholders
  • Prepared weekly 1 on1 and team meetings and reporting for measuring key performance and share team success

LENDING MANAGER

Commonwealth Bank of Australia
07.2016 - 10.2017
  • Uncover customer's financial needs and take holistic approach to provide tailored lending solution Increase growth and managing retention of consumer lending portfolio
  • Support branch to help uplift performance and provide ongoing training to all branch staff Holder of Delegated Lending Authority of $2 million Manage loan application from end-to-end (applying to settlement)

BANKING SPECIALIST

Commonwealth Bank of Australia
02.2012 - 07.2016
  • Maintain positive relationships with existing and new customers Resolving and identifying customer's lending enquiries
  • Account opening and conducting Anti-Money Laundering (AML) and Know Your Customer (KYC) procedures
  • Cheque deposit and withdrawal and fund transfer Undertake foreign exchange and money market dealing entries

Education

Bachelor of Business -

QUT
Queensland
12-2012

Diploma of Business Studies -

TAFE
Gold Coast
12-2008

Skills

  • Analytical reasoning
  • Attention to detail
  • Decision-making
  • Risk assessment

LANGUAGE

English
Korean

Timeline

SENIOR CREDIT ASSESSOR

Athena Home Loans
08.2024 - Current

QUALITY ASSURANCE ANALYST [SECONDMENT]

Athena Home Loans
03.2023 - 10.2023

CREDIT ANALYST

Athena Home Loans
02.2019 - 07.2024

CBD - RELIEVING BRANCH MANAGER

Commonwealth Bank of Australia
10.2017 - 01.2019

LENDING MANAGER

Commonwealth Bank of Australia
07.2016 - 10.2017

BANKING SPECIALIST

Commonwealth Bank of Australia
02.2012 - 07.2016

Bachelor of Business -

QUT

Diploma of Business Studies -

TAFE

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HO-RYONG CHUNG