Inazir Wazeer

• sInvestigate and make decisions on consumer and commercial finance applications.
• Maximise lending outcomes by applying sound credit risk management practices in line with Toyota Finance's (TFA) credit risk appetite.
• Adhere to TFA's zero tolerance approach to fraud risk and compliance risk.
• Serve as the first point of contact for Dealership Business Managers (BMs) requiring clarification on lending decisions.
• Keep dealership network updated on the status of their applications during the acceptance process.
• Build, manage, and strengthen relationships with dealership partners.
• Assess and make decisions on consumer and commercial finance applications, including:

o Analying financial statements

o Making reasonable enquiries and verifications of a consumer’s Requirements and Objectives

o Making reasonable enquiries and verifications of a consumer’s financial situation including but not limited to:

- Employment and income sources and levels

- Expenses

- Capacity assessments

- Credit checks

- Rental references

- Relevant searches which include ASIC / ABN / Veda / Vevo / Equifax / Illion /

• Review contract information for commercial customers and assess the suitability of consumer/commercial loan applications.
• Liaise with accountants and solicitors to clarify or obtain financial information.
• Adhere to all policy, process, and procedural requirements for Retail Lending Operations (RLO).
• Ensure compliance and adherence to such External Legislations as:

o Competition & Consumer Act

o Privacy Act

o National Consumer Credit Protection Act

o Anti-Money Laundering & Counter Terrorism Financing Act

o Personal Property Security Register

• Ensure all lending decisions comply with the Delegated Lending Authority Matrix.
• Discuss lending decisions with dealership Business Managers and communicate professionally and courteously.
• Contribute to business improvement by suggesting and participating in relevant changes.
• Actively participate in coaching sessions, team meetings, and Lending Analyst activities.
• Assist the Operations team during high-demand periods or as requested.
• Perform any other reasonable tasks as assigned by TFA.
• Consistently achieved Key Performance Indicators (KPIs) while maintaining 100% compliance with quality processes and procedures.
• Hold a current Delegated Lending Authority (DLA) of 3A for both Consumer and Commercial applications.
• Actively conduct mentoring sessions to support and guide lower DLA holders, fostering skill development and performance improvement.
• Serve as the primary point of contact for Retail Lending Operations (RLOs) outside of SMEs, providing ongoing support and clarification on policies, processes, and assessment-related inquiries.

• Undertaking a detailed assessment using customer submitted bank statements, income documents, liability documents, purchase contract and all other documents in relation to home loan application
• Managing workflow from a national queue in a timely manner
• Perform in-depth checks on complex lending scenarios
• Assessing PAYG (Permanent, Casual, contractual and temporary workers) & Self-Employed (sole trader, partnership, company and trust) income assessments in compliance with internal credit policy
• Reaching and maintaining a high level of credit assessment and compliance standards
• Liaise with other internal department to achieve a better outcome for customers and the Bank
• Possessing sound credit policy & ensuring regulatory compliance
• Regularly assisting other credit assessors with assessments and clarifications
• Monitoring updates and adapt to constantly updating policies and procedures
• Dealing with loan scenarios and queries from brokers
• Reviewing loan application viability in line with risk and compliance guidelines
• Investigating frauds, monetary issues and document forgery and ensuring anti money laundering compliance regulations
• Achieved required KPI and successfully managed the portfolio
• First person from the team nominated by Credit coach for complex training for the success and initiative shown
• First person from the team to achieve DLA ($750k Mortgage and $50k other liabilities) authority within a short period of time
• Contributed to the establishment of fair market values by analyzing a variety of factors including location, age, size, condition, zoning restrictions, and comparable sales data.

• Analyse customer submitted bank statements, income documents, liability documents, purchase contract and all other documents in relation to home loan application
• Perform in-depth checks on complex lending scenarios
• Assessing PAYG (Permanent, Casual, contractual and temporary workers) & trust income assessments in compliance with internal credit policy (Self-employed only Fast track income)
• Assisting other credit assessors with assessments and clarifications
• Liaise with Credit Managers or other Authority holders when exception to policy required
• Demonstrated ethical behavior when assessing applications by not only focusing on productivity by getting it right or fixing any errors on the application
• Liaising with brokers to follow up documentation and to discuss application viability
• Reviewing loan application viability in line with risk and compliance guidelines
• Investigating frauds, monetary issues and document forgery and ensuring anti money laundering compliance regulations
• Awarded a certificate of Rise Award for coaching a broker on a complex income deal
• Compliments from brokers and their business development managers on delivering an exceptional service on complex deals on a timely and professional manner
• Compliments from other credit assessors for clearly communicating the pending information on applications as no file ownership held

• Providing an exceptional service to customers
• Preparing and handling food according the Australian Standard Procedure
• Making different types of coffee - Latte, Cappuccino, Flat white, Mocha, Iced coffee
• Merchandizing and maintaining a clean and safe workplace
• Confidently learnt the store environment by being able to work by myself with minimum training
• Successfully resolved issues when customers had complaints
• Manage to resolve difficult situations patiently

• Ensure all the records provided by the Customers/Clients are genuine
• Ensure all the norms of the bank are met by the Customer application
• Prepare reports about the investigation made on the Customer work-location and give a precise report of the customers/clients in order to avoid any discrepancy
• Ensure zero-tolerance policy against any invalid data or actions
• Make certain deviations based on the client profile and relationship
• Dealing with inquiries from the client/customers and related organizations
• Successfully carried out the assigned duties with minimum training
• Showed excellent progress in a short period, in the absence of team leader performed their duties
• Gained the trust of management by performing the duties to excellence, while on probation assigned with team leader's duties

• Reconciling bank accounts, debtors and creditors
• Preparing Business Activity Statements
• Preparing PAYG Statements
• Preparing financial reports
• Payroll processing and administration
• Preparing Superannuation Payment Advices
• Document Management of client files
• Understanding and using Xero Add On - Receipt Bank
• Successfully managed to complete tasks independently with minimum training
• Effectively researched Xero software at times to solve problems
• Successfully managed to look after a portfolio of bookkeeping clients