Marilou Samson
Derrimut,VIC
Summary
Banking and finance professional experienced in retail credit policy development, review and implementation, with a proven track record of navigating dynamic regulatory landscapes to enhance strategic policies. Previous roles include conducting home loan credit assessments, hindsight reviews and implementing changes that uphold high compliance standards..
Overview
20
20
years of professional experience
Work History
Senior Credit Policy Analyst
ME Bank
Melbourne, VIC
06.2018 - 10.2024
- Ensured all policies remain compliant with external and internal obligations (ASIC, APRA, Internal Audit, Operational Risk, and Compliance, etc.).
- Led the development and delivery of strategic policy changes across each portfolio, identifying industry trends that result in proactive policy management.
- Managed the alignment of ME Bank's home loan credit policy to BOQ's.
- Supported the team with hindsight reviews across each portfolio, ensuring compliance with relevant frameworks and policies.
- Monitored industry trends and regulatory changes to maintain relevant policies.
- Supported the business through the consistent interpretation of credit policy, and identified opportunities to enhance training or upskilling.
Credit Policy Analyst (secondment)
ME Bank
Melbourne, VIC
11.2017 - 06.2018
- Collaborated with stakeholders to draft and present home loan policy changes including relevant credit bulletins and guidance notes.
- Performed comprehensive hindsight reviews on home loans, credit cards, and personal loans.
Business Readiness Consultant
ME Bank
Melbourne, VIC
04.2017 - 11.2017
- Collaborated with stakeholders to define and communicate business requirements for system enhancements
- Created communications for process reminders, policy updates, and workarounds, including the bi-weekly Credit Ops newsletter.
- Provided subject matter expertise and business requirements for projects impacting Credit Operations.
Senior Compliance Analyst (secondment)
ME Bank
Melbourne, VIC
03.2016 - 04.2017
- Developed and implemented the Incident Reporting – Compliance work practice for the Archer platform.
- Assisted the business (Line 1) in the investigation of compliance-related incidents, root causes and remediation actions in accordance with established procedures.
- Performed regular compliance reports and presented findings to management.
Credit Officer/Senior Credit Officer
ME Bank
Melbourne, VIC
10.2007 - 03.2016
- Conducted comprehensive credit assessments under a Delegated Credit Authority (DCA) for home loan applications, ensuring compliance with the Bank’s residential lending policy, and relevant legislative requirements.
- Delivered structured credit induction training to onboard new credit officers effectively.
- Developed and implemented a comprehensive home loan assessment procedure guide, including a workaround document, for the Credit department when the Bank undertook a transformation to a new lending platform (Pega).
- Served as the subject matter expert for Credit Operations during the bank’s transformation project.
Loan Administration Consultant
ME Bank
Melbourne, VIC
10.2006 - 10.2007
- Managed post-origination home loan variation requests, encompassing break cost calculations, loan term extensions, and split/fixed rate requests.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
Electronics Verification Officer
Westpac Banking Corporation
Melbourne, VIC
06.2004 - 10.2006
- Identified discrepancies between customer information provided by the client and verified sources.
- Navigated through multiple online systems to obtain documentation.
- Maintained detailed records of all customer verifications including audit trail information.
Education
Bachelor of Arts - (major in Political Science, Minor in Economics)
University of The Philippines (Diliman)
Quezon City PhilippinesMBA - MBA Credits
Ateneo De Manila Graduate School of Business
Makati City PhilippinesSkills
- Retail credit policy development and update coordination
- Policy implementation and interpretation
- Industry trends awareness
- Hindsight reviews
- Regulatory compliance
- Compliance monitoring
- Credit assessment
- Communication skills
Timeline
Senior Credit Policy Analyst
ME Bank
06.2018 - 10.2024
Credit Policy Analyst (secondment)
ME Bank
11.2017 - 06.2018
Business Readiness Consultant
ME Bank
04.2017 - 11.2017
Senior Compliance Analyst (secondment)
ME Bank
03.2016 - 04.2017
Credit Officer/Senior Credit Officer
ME Bank
10.2007 - 03.2016
Loan Administration Consultant
ME Bank
10.2006 - 10.2007
Electronics Verification Officer
Westpac Banking Corporation
06.2004 - 10.2006
Bachelor of Arts - (major in Political Science, Minor in Economics)
University of The Philippines (Diliman)
MBA - MBA Credits
Ateneo De Manila Graduate School of Business