Omeed Cina
Summary
A seasoned professional with a proven track record at Commonwealth Bank of Australia, I excel in credit analysis and relationship management. Hardworking Credit Analyst well-versed in analysing business performance, financial analysis and lending finance based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths.
Overview
9
9
years of professional experience
Work History
Analyst - Commercial Banking
Commonwealth Bank Of Australia
08.2021 - Current
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Contributed to the development of robust risk management framework by actively participating in policy reviews and updates discussions.
- Performed credit reviews on corporations to assess financial conditions.
Relationship Executive (Secondment)
Commonwealth Bank Of Australia
12.2022 - 04.2023
- Responsible in managing three vacant portfolios consisting of 150+ clients in commercial banking space in Northern Sydney.
- Ensured regular contact with existing clients to maintain meaningful relationship with Commonwealth Bank.
- Conducted in-depth analysis of clients business's and insured business reviews were completed in a timely manner.
- Interacted and met with clients face to face to gain insights into their needs and requirements and develop ideas to meet those needs.
- Accountable for ensuring all risk metrics were met by ensuring clients provided necessary financials to meet upcoming annual reviews and expired facilities.
- Drove revenue by providing clients necessary banking facilities depending on their business needs and requirements.
Analyst - Commercial Variation (Complex)
Commonwealth Bank Of Australia
11.2019 - 09.2021
- Responsible in meeting the in-life commercial lending needs of business customers for a both managed and non-managed business customers. Collaborated closely with Relationship Executives and Managers to process a variety of requests in a timely manner whilst maintaining a high quality of communication throughout.
- Financial analysis when completing assessment on clients financial position and repayment capacity in line with policy and procedures.
- Creation of Commsee Commercial Loan (CCL) application for a variety of requests including:
- Discharges, involving partial release and substitution of securities in a high volume environment whilst ensuring urgent settlements are always met.
- Loan term maturity extensions for short-term (30-90 days) and longer term renegotiation which involved full financial assessment and analysis of clients business operation as a whole.
- Completed credit review applications in order to assess Probability of Default (PD) for customers requiring credit restructuring which involved liaising with Risk executives and group credit restructuring (GCS).
- Review of clients pricing arrangements in regards to interest rates across a variety of commercial lending products.
- Managing requests from start to finish for all non-managed clients which included both completing the application and being the point of conduct between client and various teams across the bank including Risk, Group Lending Services, Operation and other Analysts.
Analyst - Bankwest to CBA Migration
Commonwealth Bank Of Australia,
07.2017 - 11.2019
- Creation of Commercial Loan applications (CCL's) for clients transitioning from Bankwest to Commonwealth Bank.
- Working closely with a variety of Commercial loan productions such as Better Business Loans, Market Rate Loans, Asset Finance standalone and master agreements, Multi-Limit Facilities and Credit Cards.
- Ensuring correct undertakings/Covenants were applied depending on nature of the customer loan
- Applying precise accuracy to detail when creating Business Facility Documents for migrating customers, ensuring a seamless migration for new CBA customers.
- Application of Customer relationship tool SAP for various processes such as domestic cash account creation, verification of customer profiles to meet KYC criteria and other profile amendments.
Assistant Manager - Bankwest to CBA Migration
Commonwealth Bank Of Australia
08.2018 - 01.2019
- Assistant Manager for the pre-consent team which is responsible for the creation of Commsee Commercial loan applications for clients transitioning from Bankwest to CBA.
- Liaise with Case Managers, Relationship Managers, and risk/legal for escalated issues.
- Worked closely with the business analysts create and implement new methodologies and processes to minimise risk and improve business frameworks.
- Providing ongoing support for team members and provided daily/weekly huddles to ensure updates regarding process changes were communicated the team.
- Responsible for raising incidents through management tool JIRA and providing weekly reports regarding incidents raised within the team. Managing the Pre-consent queue daily which involved allocation of work amongst the team.
Accountant
Smartgroup Corporation
09.2016 - 02.2017
- Administered and monitored the financial system in an accurate and timely manner by completing bank reconciliation daily for Smartgroup and appropriate subsidiaries.
- Completed month and year end duties by preparing financial statements and assisting with external audit enquiries.
- Completed Financier reconciliation for leasing business and provided analysis of leasing revenue and liaised with relevant parties regarding open items.
- Provided support for the Finance Manager and executives with projects and tasks when required.
Complaints Manager
Smartgroup Corporation
01.2016 - 02.2017
- Completed thorough investigations when completing internal dispute resolution for escalated customer issues.
- Used critical decision-making skills when determining the final outcome of the review to ensure clients and company's best interests were achieved. Liaised with the credit investment ombudsman (CIO) for unresolved consumer complaints.
- Performed necessary calculation for various compensation types including tax and interest loss as well as FBT liabilities.
- Provided monthly analysis for senior-management regarding compensation paid for various employers which included causation and methods to decrease compensation paid in the future.
- Provided feedback to agents and team coaches to further decrease number of complaints.
Salary Sacrifice Consultant
Smartgroup Corporation
07.2015 - 01.2016
- Advised clients on ATO, guidelines and FBT legislations involved with Salary Packaging
- Educated clients on how Salary sacrifice will affect their net and/ or gross income thus reducing their taxable income.
- Educated clients on Net and Gross GST employers and provided advice on GST calculations.
- Set up and amended pre-tax deductions for clients and calculating pre-tax contributions for various benefits such as superannuation, mortgage, rent, leases etc. in accordance to employer and ATO rules.
- Developed training material and completed induction training for new staff members and ensured staff had a strong understanding of salary packaging whilst also ensuring company culture and ethics were passed on.
- Awarded yearly R&R award for “Self-Leadership” and “Highest NPS” in the business withing first 6 months of joining the business.
Education
High School Diploma -
Epping Boys High School
Eastwood, NSW12.2020
Bachelor of Commerce - Finance
Macquarie University
Sydney, NSW07.2017
Skills
- Credit analysis
- Risk Assessment
- Relationship Management
- Portfolio Management
- Dispute Resolution
- Decision-making capabilities
- Financial Acumen
- Policy analysis
- Time Management
- Complex Problem-Solving
- Teamwork and Collaboration
Timeline
Relationship Executive (Secondment)
Commonwealth Bank Of Australia
12.2022 - 04.2023
Analyst - Commercial Banking
Commonwealth Bank Of Australia
08.2021 - Current
Analyst - Commercial Variation (Complex)
Commonwealth Bank Of Australia
11.2019 - 09.2021
Assistant Manager - Bankwest to CBA Migration
Commonwealth Bank Of Australia
08.2018 - 01.2019
Analyst - Bankwest to CBA Migration
Commonwealth Bank Of Australia,
07.2017 - 11.2019
Accountant
Smartgroup Corporation
09.2016 - 02.2017
Complaints Manager
Smartgroup Corporation
01.2016 - 02.2017
Salary Sacrifice Consultant
Smartgroup Corporation
07.2015 - 01.2016
High School Diploma -
Epping Boys High School
Bachelor of Commerce - Finance
Macquarie University
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