Joanne Tinkler
Pakenham,Australia
Summary
Dynamic and results-driven Business Operations and Relationship Leader with over 18 years of experience in commercial finance, client relationship management, credit underwriting, and strategic leadership. Proven track record in managing high-performing teams, driving growth across debtor finance portfolios, and executing operational efficiencies. Highly skilled in credit risk analysis, invoice finance structures, and underwriting practices for SMEs—positioning businesses for success in competitive financial environments.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Business Operations Manager
ScotPac Business Finance
02.2022 - Current
- Lead operational strategy across debtor finance and trade portfolios to improve service delivery.
- Develop underwriting protocols and credit workflow improvements to ensure credit quality and risk control.
- Liaise with senior stakeholders to ensure compliance with AFSL, AML, and credit policies.
Senior Relationship Manager
ScotPac Business Finance
04.2019 - 01.2024
- Oversaw a complex portfolio of debtor finance clients with tailored risk and credit structures.
- Conducted in-depth credit reviews, approvals, and ongoing assessments for high-risk accounts.
- Drove cross-functional collaboration between credit, risk, and operations.
Client Relationship Manager
ScotPac Business Finance
06.2014 - 04.2019
- Acted as a trusted advisor for SME clients across trade and invoice finance facilities.
- Supported credit teams with pre-lending assessments and debtor concentration analysis.
Personal Trainer
Boot Camp Australia / BootyCamp
11.2013 - 06.2015
- Conduct fitness programs and manage client relationships outside of finance.
Accounts Administrator
ScotPac Business Finance
09.2011 - 05.2014
- Handled high-volume invoice processing, reconciliations, and account accuracy for funding approvals.
Analyst – New Business
ScotPac Business Finance
09.2009 - 09.2011
- Completed financial due diligence and risk reviews for new client onboarding.
- Supported underwriting processes for working capital finance applications.
Part-Time Banking Clerk / Receptionist
Harvey Norman
01.2007 - 08.2010
- Provided administrative banking support and assisted with payment reconciliation.
Senior Funding Officer
ScotPac Business Finance
02.2007 - 09.2009
- Managed daily drawdowns and approved fund disbursements within credit policy thresholds.
Skills
- Invoice & Debtor Finance
- Credit Underwriting (Debtor Finance)
- Commercial Underwriting
- Commercial Lending & Risk Mitigation
- Client Relationship Management
- Credit Analysis & Assessment
- Debtor Due Diligence
- Portfolio Management
- Trade Finance Strategy
- Operational Excellence
- Regulatory Compliance (AFSL/AML)
- Business Process Improvement
- Financial Modelling & Risk Structuring
- Cross-Functional Leadership
- New Business Evaluation & Onboarding
- Product & Portfolio Growth Strategy
Certification
- Leadership & Credit Training – ScotPac Internal and externally organized programs.
- Personality types and how to effectively manage.
- Conflict management and resolution
- Effective Leadership and Motivation
- Sales techniques and advanced negotiation
References
Available upon request.
Timeline
Business Operations Manager
ScotPac Business Finance
02.2022 - Current
Senior Relationship Manager
ScotPac Business Finance
04.2019 - 01.2024
Client Relationship Manager
ScotPac Business Finance
06.2014 - 04.2019
Personal Trainer
Boot Camp Australia / BootyCamp
11.2013 - 06.2015
Accounts Administrator
ScotPac Business Finance
09.2011 - 05.2014
Analyst – New Business
ScotPac Business Finance
09.2009 - 09.2011
Senior Funding Officer
ScotPac Business Finance
02.2007 - 09.2009
Part-Time Banking Clerk / Receptionist
Harvey Norman
01.2007 - 08.2010