Michelle Seeley
Burleigh Heads,QLD
Summary
Experienced Senior Credit Analyst with a strong background in the Banking and Finance industry, dedicated to providing high-quality credit assessments and contributing to operational efficiencies.
Overview
37
37
years of professional experience
Work History
Senior Credit Analyst
Teachers Mutual Bank
11.2021 - Current
- Assist Credit Operations Supervisor in managing team workflow, ensuring resource allocation, and timely assessments within set SLAs.
- Provide support for complex deal structures and offer professional responses to credit scenario queries.
- Handle escalations, maintaining regular updates to supervisor and manager on team performance.
- Ensure accurate and compliant credit decisions in line with regulatory and government legislation, adhering to the Bank's Credit Risk Policy Framework and Delegated Lending Authority (DLA).
- Evaluate collateral security, ensuring adequate coverage for granted credit.
- Issue and check credit documentation for statutory compliance, maintaining accurate records within the Bank's core systems.
- Develop and maintain process management procedures for personal loans, credit cards, and home loan processes
- Foster positive relationships with members, internal stakeholders, and third parties
- Train new team members and identify training needs within the team
- Facilitate meetings with the sales team to address submission quality concerns and provide guidance.
Credit Analyst
Teachers Mutual Bank
05.2013 - 10.2021
- Provide detailed credit analysis and make compliant credit decisions within Delegated Lending Authority, meeting regulatory and government standards
- Consistently achieved high performance, recognized in annual appraisals as a high achiever.
Acting Team Leader
Teachers Mutual Bank
12.2011 - 04.2013
- Led a team of 12 in the Personal Credit Assessment, Documentation, and Settlements teams, ensuring timely and professional service delivery.
Credit Assessor
Defence Force Credit Union
12.2007 - 11.2011
Loans/Member Service Officer
Defence Force Credit Union
08.2005 - 12.2007
Contractor/Sign-Up Agent
Westpac Equipment Finance
10.2002 - 06.2005
Branch Manager
Defence Force Credit Union
08.1997 - 09.2002
Member Service Officer
State Government Employees Credit Union
01.1997 - 08.1997
Loans and Member Services Officer/Contractor
Cuscal
07.1993 - 01.1997
Loans Officer, Member Service Officer, Insurance Officer, Loans Receptionist
Police Credit Union
03.1987 - 05.1993
Education
Diploma of Banking Services Management -
Certificate IV in Financial Services -
Statement of Attainment - Deakin Prime Tier 2 -
Skills
- Information Verification
- Financial data gathering
- Credit risk analysis
- Process Improvements
- Training and mentoring
- Banking regulations
- Relationship Management
- Verbal and written communication
- Underwriting
- Consumer credit reports
- Oral and written communications
Internalcourses
- TMBL Banking Simulation Program
- Process Management Interactive Workshop
- Leading Process Management
- Integrity Coaching
- Customer Owned Banking Code of Practice (COBCOP) Obligation Credit Training
- NCC Consumer Credit Loans
- Financial Ombudsman Service - Resolving Customer Complaints
- AML/CTF, Identity Fraud, Vulnerable Persons, Business Continuity Foundation
- Business Writing Skills, Advanced Member Service, Resolving Customer Complaints, Dealing with Conflict, Living and Working with Change
References
- Matthew Bushell, Former Credit Operations Manager, Teachers Mutual Bank
- Bev Graham, Current Credit Operations Supervisor, Teachers Mutual Bank
Timeline
Senior Credit Analyst
Teachers Mutual Bank
11.2021 - Current
Credit Analyst
Teachers Mutual Bank
05.2013 - 10.2021
Acting Team Leader
Teachers Mutual Bank
12.2011 - 04.2013
Credit Assessor
Defence Force Credit Union
12.2007 - 11.2011
Loans/Member Service Officer
Defence Force Credit Union
08.2005 - 12.2007
Contractor/Sign-Up Agent
Westpac Equipment Finance
10.2002 - 06.2005
Branch Manager
Defence Force Credit Union
08.1997 - 09.2002
Member Service Officer
State Government Employees Credit Union
01.1997 - 08.1997
Loans and Member Services Officer/Contractor
Cuscal
07.1993 - 01.1997
Loans Officer, Member Service Officer, Insurance Officer, Loans Receptionist
Police Credit Union
03.1987 - 05.1993
Diploma of Banking Services Management -
Certificate IV in Financial Services -
Statement of Attainment - Deakin Prime Tier 2 -
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