Summary
Overview
Work History
Education
Skills
Certification
References
Timeline
Generic

Karan Shah

Sydney,Australia

Summary

I am a dedicated Credit Analyst with extensive experience in finance and banking. Holding a master’s degree in Finance and Banking with a specialization in financial management, I have a deep understanding of the industry. I am actively seeking opportunities in the corporate sector to leverage my expertise in providing exceptional client service and building long-lasting relationships. Additionally, I am passionate about connecting with like-minded professionals who share my commitment to guiding individuals through the complexities of the finance industry.

Overview

2
2
years of professional experience
1
1
Certification

Work History

Credit Analyst

LUMI
Sydney, NSW
02.2025 - Current
  • Progressed from Lending Support Officer to Credit Analyst, demonstrating consistent performance in credit assessment and risk evaluation.
  • Assessed loan applications for accuracy, completeness, and alignment with lending policies; held Delegated Lending Authority (DLA) Level 2 to independently approve or escalate decisions.
  • Conducted sector-specific research to evaluate industry-specific risks and opportunities, and identified information gaps to ensure comprehensive credit assessments.
  • Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
  • Managed workload to meet tight deadlines for credit analysis reports and loan decisioning.
  • Collaborated with other departments within the organization to ensure efficient processing of loan applications.

Lending Support Officer

Lumi
Sydney
05.2024 - 02.2025
  • Assessed borrower creditworthiness through detailed analysis of bank statements and financial documents, and delivered data-driven recommendations on commercial lending applications, supported by thorough financial analysis and ongoing credit condition monitoring.
  • Managed drawdown requests for lines of credit, and conducted periodic reviews to monitor risk, ensure ongoing compliance, and recommend necessary adjustments in line with internal policies and regulatory standards.
  • Ensured accurate loan settlements by meticulously verifying documentation, and reviewing all loan files for completeness, regulatory compliance, and accuracy.
  • Conducted comprehensive KYC checks, fraud detection, and PEP screenings to validate borrower identity, and mitigate risk exposure.
  • Implemented caveats to protect the company’s financial interests in borrower-held assets, and ensure legal enforceability.

Client Support / Credit Officer for Mortgages

Financial Elements
Parramatta, Sydney
06.2023 - 05.2024
  • Effectively communicated with clients to understand their loan needs, processed applications with accuracy, and ensured smooth loan origination, along with timely completion of documentation.
  • Conducted in-depth credit assessments and mortgage application analysis, particularly for PAYG clients, leading to improved approval rates and a stronger lending portfolio.
  • Presented tailored loan programs for credit-challenged clients, and provided strategic advice on suitable mortgage products aligned with individual financial circumstances.
  • Researched competitor offerings to inform strategies that enhanced service differentiation, boosted client satisfaction, and minimized origination risks.
  • Managed compliance documentation, monitored loan pipelines, SLAs, and deadlines to ensure regulatory adherence, and operational efficiency.
  • Coordinated with borrowers, mortgage brokers, realtors, solicitors, and lenders to facilitate seamless loan processing and settlements.
  • Verified all loan documentation for accuracy before submission to underwriting, conducted regular follow-ups to meet critical deadlines, and ensured consistent alignment with current lending regulations, industry trends, and market conditions.

Education

Masters of Banking & Finance -

Macquarie University
Sydney, NSW

Master of Commerce -

University of Mumbai
Mumbai, India

Bachelor of Commerce -

University of Mumbai
Mumbai, India

Skills

Soft skills

  • Credit evaluation & judgmental lending
  • Risk assessment and credit risk analysis
  • Regulatory compliance and financial documentation
  • Customer service and client relationship management
  • Attention to detail and accuracy
  • Time management and multitasking
  • Effective verbal and written communication
  • Independent decision-making under pressure
  • Team collaboration and leveraging strengths
  • Problem solving and process improvement
  • Personal integrity and confidentiality

Technical skills

  • Proficient in MyCRM, Quickli, Microsoft Excel, and bank servicing/pricing calculators
  • Loan origination, processing, closing, and post-closing procedures
  • Pipeline management with goal-oriented performance
  • CRM software proficiency and Microsoft Office Suite
  • Data analysis and background investigations
  • Knowledge of lending, lender relations, and banking regulations
  • Community outreach and client service orientation

Certification

  • Google Digital Unlocked- The Fundamentals of Digital Marketing (2020-05)
  • Financial Market Certificate Course provided by Coursera from Yale University (2020-07)
  • Systematic Enhanced Ability to Lead (SEAL) by Bayside First (2017-10)
  • Citi APAC Investment Banking Job Simulation (2022-08)
  • Citi APAC Markets - Sales & Trading Job Simulation (2022-08)
  • Venture Capital Job Simulation (2023-05)
  • Factset Essential: Portfolio Analysis Certification (2023-10)

References

References available upon request.

Timeline

Credit Analyst

LUMI
02.2025 - Current

Lending Support Officer

Lumi
05.2024 - 02.2025

Client Support / Credit Officer for Mortgages

Financial Elements
06.2023 - 05.2024

Masters of Banking & Finance -

Macquarie University

Master of Commerce -

University of Mumbai

Bachelor of Commerce -

University of Mumbai

Similar Profiles

CREATE PROFILE
Karan Shah