Pankaj Dhingra
Sydney,NSW
Summary
Dedicated professional with 14 years of experience in the financial industry. Experienced Credit Analyst skilled in risk analysis for banks and other lending institutions and loan regulations and procedures within the financial industry. Focused on meeting customer needs by drawing on sound knowledge and at the same time ensuring that all credit guidelines are adhered to. Proven experience in assessment of creditworthiness of client companies. Wide background in financial information analysis, including cash flow records and management accounts. Strong current knowledge of compliance and legal issues involved in credit approval.
Overview
16
16
years of professional experience
Work History
Credit Analyst
National Australia Bank
07.2021 - Current
- Conduct quality credit assessments with regards to New Home Loan Applications for Purchase/Refinance and Variation Applications such as Increases to existing facilities, Security Substitutions, Release of loan borrower, Partial discharge of securities and Interest only repayment request where full assessment is required. Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Carry out credit analysis on all applications in accordance with the lending policy to address the financial needs of the clients whilst ensuring that the outcome is aligned to the bank's risk appetite.
- Analyze financial statements and credit history to better understand how much risk could be involved in extending credit to customers. Providing Conditional/Final decision within DLA and refer to Senior Credit Manager for 2nd signature if Loan mount exceeds DLA.
- Evaluated applicants’ financial status credit and property evaluation to determine loan feasibility.
- Ensured compliance to all credit policies and underwriting parameters prior to Approving loan applications.
- Interpret documentation to make appropriate decisions and liaising with BDM’s, brokers and responding to Loan scenario/Application queries and ensuring they are on correct Loan structure, Product.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Prepared financial ratios and spreads using computer programs to evaluate customer financial status.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Assessed customer credit files regularly to review receivables.
- Conducted credit reviews on corporations to assess financial conditions.
- Adhere to and comply with the KPI’s/SLAs to ensure overall service delivery to the business unit.
- Adhere to governance, regulatory and legislative requirements during execution of duties in normal course of business by completion of necessary compulsory training and courses.
- Presented key information to upper management and executive team for loan recommendations.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Worked closely with team members to deliver project requirements, develop solutions and meet deadlines.
- Prioritized and organized tasks to efficiently accomplish service goals.
- Worked on multiple projects and tasks to ensure high quality and timely delivery and demonstrated self-reliance by meeting and exceeding workflow needs.
- Provide excellent service and attention to customers when face-to-face or through phone conversations.
- Improved operations by working with team members and customers to find workable solutions.
- Demonstrated leadership by making improvements to work processes and helping to train others.
Credit Manager-Variations
Unisys -Service Provider For RAMS Home Loans
02.2018 - 06.2021
- Was responsible for credit limit database; analyzed client information and made credit decisions.
- Worked closely with the Operations department on automation of the whole borrowing process.
- Generated cash flow analysis and executed any calculations of debt service; worked on financial forecasting models.
- Reviewed, maintained, and make crucial decisions on applications in compliance with company policies and procedures; communicated decisions to clients.
- Identified potential clients and using own knowledge and expertise established credit lines; conducted financial analysis for accounts.
- Collaborated with colleagues on the reduction of overdue accounts, reduced by 15% in 2019 and 20% in 2020.
- Prepared monthly/annual reports for managers, stayed up-to-date with loan trends.
- Assisting Franchisee network for customers ensuring they are on correct loan structure, product.
- Adhere to and comply with the Service Level Agreements (SLA's) to ensure overall service delivery to the business unit.
- Adhere to governance, regulatory and legislative requirements during execution of duties in normal course of business by completion of necessary compulsory training and courses.
Team Manager
Unisys -Service Provider For RAMS Home Loans
02.2014 - 07.2018
- Managed the day to day operations of the following operational units: Variations, Full Discharge and partial Discharge.
- Handling any escalations in regards to decision issued on applications.
- Managed Loan variations including Applications Validation, title productions, Product conversions & Documents production & instructing panel solicitors
- Discharges – Partial & Full Discharge of securities and Account Closures
- Custodian- Security Packet Management
- Contacted new and existing customers to outline benefits of products.
- Monitored customer order process and addressed customer issues.
- Fostered relationships with customers to expand customer base and retain business.
- Demonstrated high customer service and relationship management skills
- Experience with reading certificate of titles, loan contracts, mortgages, other loan documentation
- Ability to effectively prioritise, manage deadlines and adopt to new ideas and concepts quickly
- Provided sound leadership, motivation and training to team members to ensure continual growth and development, which included staff cross-training and coaching to ensure that they have a common understanding of the business procedures.
- Established good relationship with all working parties and client centric operations to keep high quality of customer service.
- Monitored the activities of the team members to confirm that they adhere to policies and standards, and take corrective action when non-compliance is identified.
- Monitored daily workflow to ensure that daily tasks are actioned within SLA, which includes work re-allocations to ensure all service requests are covered
- Knowledge of the mortgage process – post credit approval and pre-settlements
- High level attention to detail
- Team playing attitude
- Member first approach
Hardship Officer
Unisys -Service Provider For RAMS Home Loans
07.2012 - 02.2014
- Analyzing financial position of applicants & making decision on their applications. Receiving, logging & assessing Hardship Applications.
- Preparing submissions & forwarding them to Mortgage Insurer.
- Communication with Applicants for any outstanding information requirements.
- Liaising with the Mortgage Insurers for decisions on Applications.
- Liaising with collection department for collection activities on accounts.
- Issuing Approval or Decline letter and communicating the same to Applicants.
- Adhere to relevant legislations in place to make sure there is no breach of law.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Requested financial documents from customers.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Prepared financial ratios and spreads using computer programs to evaluate customer financial status.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Assessed customer credit files regularly to review receivables.
- Monitored and maintained compliance with internal controls and government regulations.
- Collaborated with credit association and business representatives to exchange valid credit information.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Worked closely with team members to deliver project requirements, develop solutions and meet deadlines.
- Prioritized and organized tasks to efficiently accomplish service goals.
- Demonstrated self-reliance by meeting and exceeding workflow needs.
- Demonstrated leadership by making improvements to work processes and helping to train others.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
- Motivated and encouraged team members to communicate more openly and constructively with each other.
Client Services Officer
Unisys -Service Provider For RAMS Home Loans
04.2008 - 06.2012
- Executed and devised business development strategies to attract and acquire new clients using content marketing, cold-calling and networking.
- Worked with the advanced skills in document management, customer relations and reporting.
- Assisted with special marketing projects by coordinating distribution of marketing mailers, contacting customers to explain new marketing campaigns.
- Communicated with clients regarding account services, statements, and balances.
- Processing Loan variation documents for Increase, product conversion, instructing panel solicitors for settlement.
- Preparing initial & final discharge quotes for Full and partial discharge.
- Ordering security packets.
- Liaising with various stakeholders such as RAMS Franchisees, Panel solicitors, conveyancers to arrange settlement.
- Taking inbound calls from RAMS existing customers and processing day to day requests such as redraws, statements, updating direct debit request or any adhoc customer’s requests
- Making welcome calls for new RAMS customers
Education
Achievements & Awards
Masters in Accounting - Accounting And Business Management
Central Queensland University
Sydney, NSW06.2007
Bachelors in Commerce - Business Economics
Punjab University, India
India03.2003
Skills
Information Verification
Loan Documentation
Oral & Written Communications
Credit Analysis
Financial Statement Review
Customer Service
Organizational Skills
Data Management
Working Collaboratively
Reliable and Trustworthy
People Skills
Problem Resolution
Work Ethics
Relationship Building
Proficient in Microsoft Office
Timeline
Credit Analyst
National Australia Bank
07.2021 - Current
Credit Manager-Variations
Unisys -Service Provider For RAMS Home Loans
02.2018 - 06.2021
Team Manager
Unisys -Service Provider For RAMS Home Loans
02.2014 - 07.2018
Hardship Officer
Unisys -Service Provider For RAMS Home Loans
07.2012 - 02.2014
Client Services Officer
Unisys -Service Provider For RAMS Home Loans
04.2008 - 06.2012
Achievements & Awards
Masters in Accounting - Accounting And Business Management
Central Queensland University
Bachelors in Commerce - Business Economics
Punjab University, India
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