Nicholas Holding
Melbourne,VIC
Summary
Experienced banking professional adept at growth, portfolio management, and credit risk management. Proven ability to manage key stakeholder relationships, originate strategic opportunities, effectively manage credit, operational and regulatory risk, and provide effective leadership and guidance to wider teams.
Overview
5
5
years of professional experience
Work History
Relationship Manager
Westpac Emerging Corporates
01.2024 - Current
- I manage a portfolio of key Westpac clients, with >$500m in bank assets (lending) across strategic industries such as accommodation/hotels, manufacturing, property, wholesalers and service businesses.
- A key focus is growth, mainly via origination of new customer relationships. Pipeline growth is generated via existing first and third party networks, as well as initiating new networking opportunities.
- Other main focus is with existing customers, growing relationships with key stakeholders (CEOs, MDs, CFOs) and supporting ongoing needs via servicing and advisory services.
Senior Credit Analyst – Portfolio Management
Westpac Emerging Corporates and Commercial Banking
07.2022 - 12.2023
- Employed as a Credit Analyst/Senior Credit Analyst within the Portfolio Management team at Westpac Bank
- My key responsibility was to analyse, underwrite, negotiate and execute the top finance applications across Victoria. Transactions range $15m-$250m.
- Complex transactions including leverage finance, mergers, acquisitions, shareholder buyouts, working capital finance, property acquisition and re-capitalisation.
- Forecasting, three-way and cash flow modelling.
- Preparation of detailed credit memorandums documenting due diligence and risk analysis.
Assistant Relationship Manager
Westpac Bank
03.2021 - 07.2022
- Was an Assistant Relationship Manager, working 1 on 1 with a Relationship Manager to manage a portfolio of ~20 clients with a total debt of ~$80 million
- Responsibilities included:
- Commercial lending: Credit writing, risk mitigation & deal building including cash flow lending, property, acquisition, and equipment finance
- Detailed cash flow, debt repayment and behavioural analysis
- Key principals banking, administration and maintenance, including key directors/shareholders personal home loans, credit cards etc
- Raised $1,300 and participated in the Westpac Community Bike Ride
- Actively assist in the Specialist Banking – Indigenous segment of the bank, including deal writing and reviews
Junior Accountant
PJA Accountants
10.2020 - 03.2021
- Employed as an accountant within medium sized accounting team
- This job was highly team driven, working to provide high quality accounting work for clients from individuals to larger companies
- My responsibilities included:
- Preparation of tax returns (individuals, companies, trusts, superfunds)
- Business Activity Statements
- Providing business advisory including tax planning, growth and profitability strategies, payroll advice, loans.
Accounting Internship
Bosch
01.2020 - 03.2020
- I was selected to undertake an accounting internship within the accounting and finance department for the company Bosch in Milan, Italy.
- Received a comprehensive education on the operations of an accounting/finance department and the teams and responsibilities within it.
- Accounts payable, Accounts Receivable, General Ledger and Treasury teams.
- Use of the SAP platform processes for vendor master data display, manual posting, payments, clearings and reporting.
Education
Bachelor of Commerce - Finance And Accounting
Deakin University
Melbourne, VIC01.2020
Skills
- Relationship building
- Loan structuring
- Cross-selling products
- Credit assessment
- Portfolio growth
- Mergers and Acquisitions
- Deal origination and execution
- Pipeline growth
Accomplishments
- 2024. Grew banking portfolio by >$350m.
- 2023. Raised $1,100 and participated and completed the Westpac Community Bike Ride
- 2022. Raised $1,300 and participated and completed the Westpac Community Bike Ride
- 2021. Selected for The Youth Networks “Future Me” program. A group program designed to fast-track professional development.
- 2020. Graduated a Bachelor of Commerce with Distinction. Invited and accepted as a member Golden Key International Honour Society – A society for the top 15% of university students around the globe.
Timeline
Relationship Manager
Westpac Emerging Corporates
01.2024 - Current
Senior Credit Analyst – Portfolio Management
Westpac Emerging Corporates and Commercial Banking
07.2022 - 12.2023
Assistant Relationship Manager
Westpac Bank
03.2021 - 07.2022
Junior Accountant
PJA Accountants
10.2020 - 03.2021
Accounting Internship
Bosch
01.2020 - 03.2020
Bachelor of Commerce - Finance And Accounting
Deakin University
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