Jason Le
Wiley Park,NSW
Summary
I have over a decade in the banking and finance industry. I'm an credit analyst with the capability to develop methodologies that predict future risk behaviors. Seeking an opportunity to bring further success to an organisation through exemplary attention to detail and an understanding of regulatory procedures. Experienced Credit Analyst offering well-developed skills in managing teams, record updates and financial statement reviews. Pursuing a position in a busy organisation where a qualified individual with an understanding of collections is highly sought.
- I am also very fluent in English and Vietnamese. I can translate when needed. Career Objective: Ultimately, I am looking for a position that will build my skills and present opportunities for future career choices. I'm very motivated and willing to learn. My goal is to continue in my journey in the finance industry.
- Bilingual individual willing to go the extra mile to ensure quality service to each and every customer. A dependable credit analyst committed to explaining complex information in easy to understand terminology.
- I'm an self-motivated banking professional offering strong communication and quick thinking skills. Works effectively on teams, as well as independently, in fast-paced environments. Consistently positive and friendly Teller committed to reaching business goals.
Overview
11
11
years of professional experience
Work History
Lending Analyst
Bank of Queensland
Parramatta, NSW
01.2024 - Current
- Reviewed and analysed financial statements of potential borrowers to determine credit worthiness.
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Analyzed customer payment histories to assess credit risk profiles.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
- Provided recommendations regarding loans applications based on sound credit evaluation principles.
- Maintained accurate records of all transactions related to credit activities.
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
- Identified areas where additional information was needed to complete a thorough analysis.
- Collaborated with other departments within the organization to ensure efficient processing of loan applications.
- Adhered to applicable laws, regulations and policies governing consumer lending practices.
- Researched current industry trends related to consumer lending products and services.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
- Collected and organised loan documents before submission to underwriting.
Commercial Credit Analyst
Lumi Finance
Sydney
06.2022 - 06.2023
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Requested financial documents from customers.
- Prepared financial ratios and spreads using computer programs to evaluate customer financial status.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Assessed customer credit files regularly to review receivables.
- Conducted credit reviews on corporations to assess financial conditions.
- Monitored and maintained compliance with internal controls and government regulations.
- Presented key information to upper management and executive team for loan recommendations.
- Collected and organised loan documents before submission to underwriting.
- Collaborated with credit association and business representatives to exchange valid credit information.
- Juggled multiple applications and tasks to ensure high quality and timely delivery.
- Demonstrated self-reliance by meeting and exceeding workflow needs.
- Demonstrated leadership by making improvements to work processes and helping to train others.
- Improved operations by working with team members and customers to find workable solutions.
- Analysed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
- Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
- Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.
- Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.
Credit Analyst
Commonwealth Bank of Australia
Redfern, NSW
03.2020 - 05.2022
- Collected and organized all loan documents for underwriting.
- Conducted credit reviews on corporations to assess financial conditions.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Presented key information to upper management and the executive team for loan recommendations.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Requested financial documents from customers.
- Monitored and maintained compliance with internal controls and government regulations.
- Assessed customer credit files regularly to review receivables.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Improved operations by working with team members and customers to find workable solutions.
- Worked closely with team members to deliver project requirements, develop solutions and meet deadlines.
- Demonstrated self-reliance by meeting and exceeding workflow needs.
- Prepared financial ratios and spreads using computer programs to evaluate customer financial status.
Banking Advisor
National Australia Bank
Liverpool, NSW
10.2019 - 03.2020
- Translated management directives into actionable mandates for front-line staff.
- Automated office operations, managing client correspondence, record tracking and data communications in database and case management software.
- Maintained files and records for clients and observed all safety protocols to prevent breaches and misuse of data.
- Defined and documented office procedures, using updated SOPs to provide thorough and comprehensive training for all administrative support staff.
- Reviewed tax returns and financial statements to finish the underwriting process.
- Coached new employees to inform of company processes, procedures and deadlines.
- Conducted employee one-on-one meetings to evaluate performance, resolve issues and provide job coaching.
- Oversaw the loan process from origination through closing to ensure every client received exemplary service.
- Provided recommendations after completing loan analysis for prospects.
- Approved the underwriting for consumer loans, which included lines of credit and home equity.
- Directed team responsible for performing consumer lending compliance monitoring and risk assessments.
- Maximized branch revenue by optimizing daily operations.
- Planned and coordinated risk mitigation strategies to protect company assets.
- Networked within communities to identify and capitalize on business opportunities.
Home Lending Specialist
Commonwealth Bank Of Australia
Parramatta , NSW
12.2018 - 10.2019
- Reviewed tax returns and financial statements to finish the underwriting process
- Oversaw the loan process from origination through closing to ensure every client received exemplary service
- Provided recommendations after completing loan analysis for prospects
- Approved the underwriting for consumer loans, which included lines of credit and home equity
- Informed clients of financial services providing a number of benefits
- Educated customers on variety of loan products and available credit options to promote valuable decision-making
- Planned and coordinated risk mitigation strategies to protect company assets
- Boosted customer base, acquiring new customers and identifying needs to deliver relevant products
- Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers
- Executed financial due diligence and created a valuation model to establish enterprise value and purchase price
- Delivered informational sales presentations to potential investors to build symbiotic client relationships
- Maintained confidentiality of bank records and client information
- Opened new customer accounts, including checking, savings and lines of credit
- End to end process in the home buying journey
- Look in to CAT exceptions and risk to minimize any faults if so to rectify ASAP
- Income verification such as payslips,tax returns
- Valuations ordered, process and reviews
Customer Lending Specialist
Commonwealth Bank Of Australia
Parramatta , NSW
07.2018 - 12.2018
- Identified valuable solutions for customers with credit problems
- Educated customers on variety of loan products and available credit options to promote valuable decision-making
- Effectively managed more than 25 client relationships at the 1 time
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan
- Reviewed credit histories from applicants and determined feasibility of granting requested loans
- Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers
- Spent ample time with each applicant to break down complex information into terms that easy to understand
- Listened carefully to customer complaints and ensured swift and effective resolution by taking appropriate action
- Ensured observance of all corporate and federal regulatory policies in terms of data security, privacy and confidentiality
- Fielded incoming phone calls from customers and directed to corresponding department or individual for assistance
- Delivered prompt, accurate and excellent customer service
Security Operations Support Analyst
Commonwealth Bank of Australia
Parramatta , NSW
09.2015 - 07.2018
- Monitor alarms for all branches in Australia
- Download CCTV
- Vendor management
- Dispatching jobs to fix issues with branches
- Creating Sop's for both monitoring and support teams to use
- Creating new ID cards and new Sop's for the team to use
- Incident reporting
- Provided onsite training
- Inputted information from customer calls and onsite service visits into the company's system
Customer Service Representative / Customer Service Specialist
Commonwealth Bank Of Australia
Bankstown Plaza, NSW
01.2013 - 09.2015
- Duties
- Opening new accounts
- Credit cards applications
- Personal loans applications
- Home loan applications
- Insurance
- Financial planning
- Referrals to other departments e.g
- Security department
- Personal overdrafts
- Foreign exchange
- Sales and services
- Customer services
- Fixing client issues disputes on their accounts
- 2nd in command for the tellers
Education
Diploma - Banking Services Management
TAFE NSW - Ultimo
Ultimo, NSWBanking Services Management (Banking) ASIC License from Certificate IV in Financial Services Banking - Banking Services Management
TAFE NSW - Ultimo
Ultimo, NSWCertificate IV - Disability
Australian Institute of Business And Innovation
01.2023
References
References:
Brett Bertie
CBA RMG National Manager
Email: Brett.Bertie@cba.com.au
Phone number: +61 423 012 121
Simran Kaur
Team Manager
Phone: 0425 225 014
Email: Kaursacba.com.au
Timeline
Lending Analyst
Bank of Queensland
01.2024 - Current
Commercial Credit Analyst
Lumi Finance
06.2022 - 06.2023
Credit Analyst
Commonwealth Bank of Australia
03.2020 - 05.2022
Banking Advisor
National Australia Bank
10.2019 - 03.2020
Home Lending Specialist
Commonwealth Bank Of Australia
12.2018 - 10.2019
Customer Lending Specialist
Commonwealth Bank Of Australia
07.2018 - 12.2018
Security Operations Support Analyst
Commonwealth Bank of Australia
09.2015 - 07.2018
Customer Service Representative / Customer Service Specialist
Commonwealth Bank Of Australia
01.2013 - 09.2015
Diploma - Banking Services Management
TAFE NSW - Ultimo
Banking Services Management (Banking) ASIC License from Certificate IV in Financial Services Banking - Banking Services Management
TAFE NSW - Ultimo
Certificate IV - Disability
Australian Institute of Business And Innovation
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