Katrina Rullo
Melbourne,VIC
Summary
I'm a motivated, professional, results driven employee at NAB. My career within the company as an Unsecured Credit Analyst has given me a thorough understanding in consumer lending which made me knowledgeable in conducting background checks and developing methodologies to predict future risk behaviours. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures. My diverse previous Roles, Secondments & Cross skilling opportunities has also given me a wealth of experience in analysing documentation to determine a level of risk involved. Offering excellent time management, interpersonal skills and a desire to work for a financial company like NAB.
My goal is to obtain a Permanent Full Time Role within the Equipment Finance Lending Solutions team and I believe I am a highly committed candidate for this position.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Credit Analyst
National Australia Bank
01.2014 - Current
- Responsible for performing credit risk assessment of unsecured lending products in accordance with policy and procedure
- Reviewing referred applications and overviewing DT approved applications in compliance to nab lending policy
- Pro-actively monitoring credit risk requirements within an agreed risk appetite and managing non-compliance in a timely manner
- Engaging other stakeholders such as Risk and Product
- Social committee representative for the unsecure credit team
- Reaching an expected daily target
- Completing assessments in the legacy systems for private and business banking customers.
In-House Recoveries
National Australia Bank
04.2013 - 01.2014
- Portfolio managing, write off reports which were received weekly
- Manually collecting the debt loss rates on each individual customer
- Making decisions of selling customers debts to external agencies and manually credit listing them
- Liaising with internal stakeholders: bankers, Secured Recoveries, Legal Australia, Bankruptcy
- Portfolio managing collecting post write off debts resulting in NAB profits
- Liaising with external stakeholders, such as ACMS, Credit Corp, Bay Corp & more
- Sale of Debts to external agencies
- Credit listing customers without willingness to pay debts that had been written off.
Collections Associate
National Australia Bank
12.2008 - 01.2014
- Calling customers on behalf of nab collections, Brunswick collections services and NAB legal services, when customers were late on repaying products such as home loans, credit cards, Personal Loans, overdrafts and watch loans
- Collecting money on delinquent nab accounts
- Being compliant with risk, collections & fraud training
- Being Point of contact for the new training groups across the department
- Quality Assurance collaborations
- Quality Assurance phone checks
- Side by sides
- One on ones
- Interchange visits
- Facilitating new training packs across the department and stakeholder's departments
- Running team building meetings
- Coaching a team and running team meetings.
Education
Completed Year 12 -
Catholic Regional College Sydenham
01.2008
Skills
- Economic forecasting
- Oral and written communications
- Proficient in [Software]
- Data Analysis
- High risk account reviews
- Financial statement analysis
- Statement Review
- Risk mitigation strategies
- Credit Reporting
- Financial Forecasting
- Cash Flow analysis
- Verbal and written communication
Personal Skills And Abilities
- Cross Skilled with HLE & HLS role.
- Able to meet deadlines & work effectively under pressure
- Able to have tasks completed in a tight time frame
- Adaptability to change in the work force, therefore, products, roles, environments, people, management and systems etc.
- Technical skills with NAB Systems; OBP, Microsoft word, PowerPoint, Excel, ACAPS, B2K, DM, Siebel, Ebobs, VEVO, D&B, Veda, PCE, Outlook, Lotus notes, Austrac & more
- Results Driven whilst maintaining a high standard of performance and quality in all work
- Strong Credit Risk and problem-solving skills leaving customers satisfied with nab services and experiences.
- Communication and networking skills across different business units as well as within the team and the department
- Able to be a strong team player and win together with my colleagues to obtain the best working conditions as a team and the best outcomes for our customers.
- Recognising and maintaining a strong Customer focus, not only meeting customers' expectations but consistently aiming to exceed their expectations as a financial institution
- I have a high level written and verbal communication skills
- Willingness to continuously learn and improve my knowledge and exposure within the banking industry overall
Personal Qualities
- Punctual
- Organised
- Outgoing
- Friendly
- Dedication/Determined
- Honest
- Hard working
- Committed
- Adapt well to change
- Work to the best of my ability
- Reliable
- Willingness to learn
- Motivated
References
Chris Botoulas, Lead Credit Assessment, National Australia Bank,
MO: 0426 352 978 PH: 03 8436 6477
Harjeet Singh, Lead Unsecured Credit, National Australia Bank,
MO: 0433 046 393 PH: 03 7035 7486
Certification
UNSECURED CREDIT DCA HOLDER
Timeline
Credit Analyst
National Australia Bank
01.2014 - Current
In-House Recoveries
National Australia Bank
04.2013 - 01.2014
Collections Associate
National Australia Bank
12.2008 - 01.2014
Completed Year 12 -
Catholic Regional College Sydenham
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