Kunal Akash Chand
Westmeadows
Summary
I am a highly motivated individual with a bachelor's degree and Graduate Diploma in Commerce. I have Three years of experience working in Banking industry.
Overview
4
4
years of professional experience
Work History
Lending Analyst
Heartland Bank
04.2025 - Current
- Process requests for cash reserve application.
- Conduct detailed credit assessments and risk profiling to ensure responsible lending practices.
- Ensure all lending activities comply with ASIC regulations and Heartland’s internal policies.
- Communicate clearly with senior clients to explain complex financial products in an empathetic and accessible manner.
- Work closely with customer service teams to deliver seamless lending experiences.
- Maintain accurate records of client communications and documentation updates.
Credit Administration Officer
Heartland Bank
05.2024 - 04.2025
- Manage Team inbox
- Perform income assessment using payslip, bank statement, letter from accountant and IR3
- Provide support and information to the Relationship Managers, Operations and intermediaries
- Answer any question Dealer and Brokers have for new application
- Make changes to application as requested by the Dealers and Brokers
Sales Consultant- Dealer Support
Heartland Bank
05.2023 - 04.2024
- Communicated with dealers and brokers to manage new and existing finance arrangements via phone and email.
- Investigated and resolved issues causing deals to be placed on hold.
- Established eLearning and dealer accounts on the Heartland portal.
- Executed the unwinding of deals as necessary.
- Supported the manager on additional projects, including business development and customer service initiatives.
Hardship Officer- Collection
Heartland Bank
09.2022 - 04.2023
- Answer calls and emails regarding hardship application and collection refinance
- Write and send hardship and collection refinance Contract
- Follow company and CCFA rules in processing and approving hardship application up to $30K
- Collect and send refinance contract to payout for processing.
Customer Service Consultant
Heartland Bank
01.2022 - 09.2022
- Answer calls and emails about loan product and general inquiry
- Generate transaction summary, settlement quote and repayment schedule
- Set up direct debit instructions and arrange tailored payment plans to support client financial needs.
- Clearly explain loan contract terms and conditions to clients, ensuring full understanding of obligations and options.
- Liaise with internal departments to coordinate early security releases and monitor payment tracking.
- Process client requests for due date changes, maintaining accuracy and compliance with lending policies.
- Provide expert assistance to clients by leveraging in-depth product knowledge and service expertise.
- Resolve customer complaints with professionalism and empathy, delivering effective solutions to ensure positive outcomes.
Team Member/ Cook
Kentucky Fried Chicken
06.2021 - 01.2022
- Take order and payment
- Inventory Management
- Talk to customers about any queries
- Handle cash
- Prepare chicken for cooking according to KFC standard.
Education
Graduate Diploma - Economics
University of Auckland
12.2016
Bachelor of Commerce - Accounting and Finance
University of Auckland
12.2016
Skills
- Effective verbal and written communication
- Collaborative teamwork
- Effective time management
- Flexible and Adaptable
- Detail-oriented analysis
Hobbies and Interests
- Flying kites
- Playing soccer
- Socializing with friends
- Watching movies
- Archery
Timeline
Lending Analyst
Heartland Bank
04.2025 - Current
Credit Administration Officer
Heartland Bank
05.2024 - 04.2025
Sales Consultant- Dealer Support
Heartland Bank
05.2023 - 04.2024
Hardship Officer- Collection
Heartland Bank
09.2022 - 04.2023
Customer Service Consultant
Heartland Bank
01.2022 - 09.2022
Team Member/ Cook
Kentucky Fried Chicken
06.2021 - 01.2022
Bachelor of Commerce - Accounting and Finance
University of Auckland
Graduate Diploma - Economics
University of Auckland
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