LYN KIM

• Overseeing entire credit functioning as well as track, communicate and draw insights from the performance of ongoing initiatives & be on top of all credit KPI’s through intensive monitoring
• Identify operational inefficiencies and manage the implementation of small scale change within the Credit function
• Created standard operating procedures and delivered training to credit personnel to improve operational efficiency
• Collaborated with staff to maximize customer satisfaction, streamline procedures and improve bottom-line profitability

• Implemented ID matrix process within credit functioning and currently working on building online portal for broker channel and auto approval (in near future)
• Involve in daily discussion with senior BDMs & Head of Sales on scenarios & workshop potential applications prior to credit submission
• Updating & implementing policy changes when required
• Part of Selfco's credit risk committee (other committee members comprise of Group CEO, Head of Sales and Head of Operation)
• Regular communication with Group CEO & Senior Executives of the business (e.g Director, Head of Operation)
• Create reporting to CEO using excel pivot table when required and to provide detailed analysis on these reports directly to CEO
• Track, communicate and draw insights from the performance of ongoing initiatives & be on top of all credit KPI’s through intensive monitoring
• Collaborated cross-functionally with sales, management and other departments to maintain effective operations
• Improved credit risk management by implementing effective underwriting policies and procedures
• Providing strategic leadership, mentorship and oversight of the credit team
• Built a high-performing credit management team with a strong focus on collaboration, accountability, and continuous development

• Promoted to leadership position in recognition of strong work ethic and exceptional credit analysis skills
• Fostered positive employee relationships through communication, training and development coaching
• Worked with management to evaluate credit strategies and develop improvements
• Collaborated cross-functionally with sales, management and other departments to maintain effective operations
• Training & coaching staff to assess 'Prospa Plus/Large Ticket' segment ($250K-$500K) unsecured cashflow lending and prepare in-depth analysis of financial reports and calculate industry and credit risk
• Part of Credit Committee member (committee also comprises of Senior Credit Adviser, CFO, Head of Risk, CEO etc) having authority to co-approve up to $500K unsecured lend
• Created standard operating procedures and delivered training to credit personnel to improve operational efficiency
• Trained employees on additional job positions to maintain coverage of roles at all times
• Collaborated with staff to maximize customer satisfaction, streamline procedures and improve bottom-line profitability.
• Maintained ongoing system for development, recruitment, recognition and retention staff

• Coordinating the underwriting of unsecured commercial loan applications in the 'Prospa Plus/Large Ticket' segment ($150-$500K). A broad mix of industries are represented in this segment, including (but not limited to): retail, hospitality, medical, professional services, importers/exporters, manufacturing and transport clientele
• Providing in-depth detailed analysis of financial reports and calculate industry and credit risk
• Presenting deals to Credit Committee (CEO's, CFO, Head of Enterprise Risk, Head of Risk etc) with a comprehensive understanding of the risk and associated mitigants in a given transaction, as well as providing a strong recommendation on the proposed outcome and offered insight to upper management regarding credit decisions
• Conduct telephone conference with clients and relevant stakeholders, e.g. Financial Controllers, to collect additional information relevant to the proposed transactions. Also utilized strong communication and interpersonal skills to obtain necessary financial information from customers
• Liaising with senior members in other areas of the business, e.g. the Head of Customer Success and National Sales Managers to discuss scenarios and appeals
• Preparing clear, thorough and informative credit papers for each transaction
• Complied with internal controls and government regulations

• Performed credit analysis and underwriting on all new deals, renewals, maturities, modifications and verifies compliance with credit policy
• Presenting deals (up to $50m) to Credit Committee (General Manager, Head of Risk, CFO etc) with a comprehensive understanding of the risks and associated mitigants in a given transaction, as well as providing a strong recommendation on the proposed outcome and offered insight to upper management regarding credit decisions
• Independently performs in-depth and detailed financial analysis, underwriting, portfolio management and portfolio monitoring and credit risk components
• Assess and formally reviews client risk through periodic audits and credit file reviews
• Train and develop credit analyst and new staff and prepare detailed training module as well as provide on-going support
• Continuously monitors client financials/ relevant information to ensure compliance with loan policies and prepare monthly report to Credit Committee
• Monitor and assess client financials, collaterals, loan covenants and risk ratings on a periodic basis
• Communicate regularly with General Manager, Senior Business Development Manager and ECC (Executive Credit Committee) regarding all new and existing loan approvals
• Assist with legal closing process, preparing, reviewing and validating documentation, ensuring compliance and conditions are met
• Responsible for loan administration such as preparing of loan/security documents, follow up client's credit reviews and preparing a Deed of Priority (GSA/Mortgage) with other financiers and communicate effectively
• Strong loan structuring and financial analysis skills-ability to read, understand and analyse complex financial statements and corporate structures
• Ability to turnaround of commercial lending proposals within agreed SLA's
• Established high level of accuracy
• Ability to develop key relationships with team members and other internal/external stakeholders
• Identify areas of process improvements where possible and have a regular discussions with.

• Identified potential lending liabilities by analysing financial performance of, and credit risk in lending to individuals, small to medium businesses (SMEs)
• Strong loan structuring and financial analysis skills- ability to read, understand and analyse complex financial statements and corporate structures
• Held Delegated Lending Authority (DLA) up to $1.75m for new and existing Residential and Commercial loans from Broker/ Direct Channel
• Maintained strong relationship with various levels of sales, training, Broker/ Direct Channel
• Evaluated customer credit data to determine level of risk involved
• Received highest QA (Quality Assurance) score within the team through 3yr period
• Superior interpersonal and communication skills
• Prioritized tasks to meet or exceed timelines and supervised multiple responsibility at same time
• Complied with internal controls and government regulations
• Responsible for loan administration such as preparation of loan documents and follow up customer's credit review.

• Providing in-depth detailed analysis of financial reports and calculate industry and credit risk
• Reviewed and conducted presentations to upper management & executive team (Loan Quality Team) for loan recommendations for deals over $1m (prior to sanctioning it off to Lloyds International)
• Delegated Lending Authority (DLA) up to $250K for all new & existing commercial asset finance deals
• Conduct annual review on existing clients and prepare reports to Senior Credit Management Team
• Engage in training and development of staff by consistently reviewing/ approving deals for other staff members and involved in daily training/mentoring
• Ability to develop key relationships with team members and other internal/external stakeholders
• Complied with internal controls and government regulations
• Providing timely and customer focused feedback to stakeholders on credit decisions
• Established high level of accuracy at all times.

• Conducted financial reviews of customer lines of credit by assessing company financials and initiating credit application reviews
• Held Deleted Lending Authority (DLA) up to $1.5m (obtained DLA within 2mths) for all new/existing deals for Mortgage Sector (both Residential & Commercial) and DLA up to $250K for new/existing for Commercial Sector (i.e Asset Finance, Securitisation, LOC and Escrow Facilities etc)
• Improved accuracy of all loans with ABL (Adelaide Bank Limited, now Bendigo & Adelaide Bank Limited) from under 20% to 70% within 6mths
• Presenting and discussing deals to Head of Risk with a comprehensive understanding of the risks and associated mitigants in a given transactions, as well as providing a strong recommendation on the proposed outcome and offered insight to upper management regarding credit decisions
• Engaged in training and development of support staff consistently
• Solve challenging problems and ability to think outside the square
• Complied with internal controls and government regulations
• Drove operational improvements which results in high accuracy and faster turnaround times (SLAs)
• Contributed to team results in often fast-paced environment
• Increased customer satisfaction by resolving issues