NATALIE SMITH
Redland Bay,Australia
Summary
Experienced business lending specialist focused on client needs and tailored financial solutions that promote growth. Recognized for developing strong relationships with clients and stakeholders, alongside effective mentorship of junior team members. Skilled in risk assessment, financial analysis, and ensuring regulatory compliance. Strong communicator with proven problem-solving and decision-making abilities that support client engagement and process navigation.
Overview
14
14
years of professional experience
Work History
SMALL BUSINESS LENDING SPECIALIST
ANZ BANK
Brisbane, Australia
11.2024 - Current
- Delivered tailored lending solutions to SME clients, facilitating financing up to $1.5 million.
- Conducted comprehensive assessments to align client financial objectives with optimal banking products.
- Managed full lifecycle of service delivery, ensuring seamless execution from engagement to settlement.
- Engaged directly with clients and third-party brokers to maintain effective stakeholder communication.
- Analyzed financial statements to support credit applications, ensuring compliance with risk policies.
- Identified cross-sell and referral opportunities to enhance business growth.
SENIOR CREDIT ANALYST
A CLASS BUSINESS FINANCE
Raby Bay, Australia
09.2024 - 11.2025
- Managed client portfolio and executed complex deals, supporting senior brokers effectively.
- Reviewed and analyzed financial statements to assess creditworthiness of potential customers.
- Monitored and maintained compliance with internal controls and government regulations.
- Crafted credit papers for sophisticated applications exceeding $1M, enhancing client service delivery.
- Delivered asset finance, commercial lending, and SMSF structures to optimize financing options.
- Maintained extensive knowledge of various lender products and application policies.
- Mentored two junior analysts to elevate team performance and skillset.
- Secured credit approval for $1.74M Liebherr crane facility via thorough financial analysis.
- Played a key role in providing tailored lending solutions in a boutique finance environment.
- Involved in end-to-end deal execution, ensuring alignment with client objectives.
DIRECT SALES EXECUTIVE - ASSET FINANCE
SCOTPAC
Brisbane, Australia
05.2022 - 06.2023
- Delivered asset finance solutions as sole contributor in fast-paced direct sales unit.
- Managed sales pipeline using CRM software for tracking leads and opportunities.
- Negotiated contracts and pricing with clients to close sales effectively.
- Facilitated information compilation and decision outcomes through effective verbal and written communications.
- Managed full client lending lifecycle, including lead qualification, needs assessment, and credit assessment.
- Collaborated with cross-functional teams for comprehensive client servicing across trade and property finance.
- Ensured compliance with risk and credit policies in complex, multi-entity transactions.
- Streamlined processes for balloon maturities and asset upgrade financing to enhance client retention.
SME SALES SPECIALIST
SUNCORP BANK
Brisbane, Australia
04.2021 - 05.2022
- Delivered tailored lending solutions for small business clients up to $3M in a contact centre environment.
- Achieved top-tier annual performance KRA in customer satisfaction and sales conversions.
- Recognized as subject matter expert in Equipment Finance, awarded for exceptional customer service.
- Facilitated knowledge-sharing sessions to enhance team skills and collaboration.
- Drove full-service outcomes, managing stakeholder communication within SLA parameters.
- Managed customer inquiries, ensuring timely resolutions and maintaining high service levels.
SME CREDIT ANALYST- PROCESSING UNIT
SUNCORP BANK
Brisbane, Australia
10.2017 - 04.2021
- Conducted pre-assessment credit reviews for all small business lending applications according to policy and risk procedures.
- Achieved first-time-right submission rates exceeding 90% through targeted coaching and quality assurance.
- Developed and implemented comprehensive process checklists across all product lines to enhance team efficiency.
- Offered one-on-one support for team members and managers to drive continuous improvement.
SMALL BUSINESS CREDIT OFFICER
SUNCORP BANK
Brisbane, Australia
11.2015 - 10.2017
- Evaluated credit applications for business loans at Suncorp Bank.
- Analyzed financial data to assess borrower creditworthiness and risk levels.
- Executed credit assessments for SME loans within $3M DCA, both direct and broker-originated.
- Developed risk mitigation strategies and restructuring solutions adhering to DCA parameters.
EQUIPMENT FINANCE SPECIALIST
SUNCORP BANK
Brisbane, Australia
04.2013 - 11.2015
- Conducted lending analysis in Equipment Finance to identify cross-sell opportunities in Debtor and Trade Finance.
- Analyzed accounts receivable and payable aging reports to ensure timely invoice payments.
- Performed financial statement analysis for credit decisions on broker-channel transactions below $3 million.
- Supported market re-entry strategy for broker-distributed finance products at Suncorp.
SMALL BUSINESS CREDIT OFFICER
SUNCORP BANK
Brisbane, Australia
07.2011 - 04.2013
- Performed credit assessments and analyzed financial statements for SME loan applications totaling $3M.
- Delivered risk mitigation and restructuring solutions adhering to Credit & Risk parameters.
Education
CERT IV - Accounting And Bookkeeping
Swinburne University
Online10-2026
CERT IV EQUIVALENT - COMMERCIAL LOANS TO
Omega Performance
Online06.2015
CERT IV EQUIVALENT - FINANCIAL ACCOUNTING FOR LENDERS
Omega Performance
Online06.2015
CERT IV EQUIVALENT - BUSINESS LENDING FUNDAMENTALS
Omega Performance
Onlne11.2012
CERT IV - FINANCIAL SERVICES
National Financial Institute
Brisbane, QLD10.2009
Skills
- Commercial and equipment finance
- Lending process management
- Financial statement analysis
- Communication and negotiation
- Risk management
- Regulation and compliance
- Client relationship development
- Financial documentation execution
- Stakeholder engagement
- Cross-sell identification
- Workflow optimization
- Mentoring and training
- Microsoft Office proficiency
- Dynamics 365 expertise
- CMP knowledge
- Siebel (iKnow) utilization
- Salesforce CRM skills
- Soft4Leasing familiarity
- Equifax understanding
- Docuprep (FMS) usage
- Docsign application
- Document exchange handling
- Hogan/Mainframe operation
- CLMS experience
- Infosys capability
- Valex proficiency
- Core Logic application
- Compliance adherence skills
- Stakeholder communication
- Credit evaluation expertise
- Risk assessment ability
- Financial analysis skills
- Problem-solving acumen
- Team collaboration
References
Available Upon Request
Timeline
SMALL BUSINESS LENDING SPECIALIST
ANZ BANK
11.2024 - Current
SENIOR CREDIT ANALYST
A CLASS BUSINESS FINANCE
09.2024 - 11.2025
DIRECT SALES EXECUTIVE - ASSET FINANCE
SCOTPAC
05.2022 - 06.2023
SME SALES SPECIALIST
SUNCORP BANK
04.2021 - 05.2022
SME CREDIT ANALYST- PROCESSING UNIT
SUNCORP BANK
10.2017 - 04.2021
SMALL BUSINESS CREDIT OFFICER
SUNCORP BANK
11.2015 - 10.2017
EQUIPMENT FINANCE SPECIALIST
SUNCORP BANK
04.2013 - 11.2015
SMALL BUSINESS CREDIT OFFICER
SUNCORP BANK
07.2011 - 04.2013
CERT IV - Accounting And Bookkeeping
Swinburne University
CERT IV EQUIVALENT - COMMERCIAL LOANS TO
Omega Performance
CERT IV EQUIVALENT - FINANCIAL ACCOUNTING FOR LENDERS
Omega Performance
CERT IV EQUIVALENT - BUSINESS LENDING FUNDAMENTALS
Omega Performance
CERT IV - FINANCIAL SERVICES
National Financial Institute