Parish Sharma

• Managed business and consumer lending portfolio-related requests, conducting periodic reviews of customer credit and risk profiles
• Supported business bankers with credit approval processes for restructuring and renewal credit submissions
• Conducted financial reviews for business and retail consumer lending, including creditworthiness checks and security analyses
• Analyzed income and financial capacity through management financials, profit and loss statements, and individual tax returns
• Wrote credit submissions in line with policy and made recommendations based on financial analysis
• Monitored and managed risk while adhering to compliance and responsible lending guidelines.
• Assessed credit risk and analyzed financial statements.
• Managed diverse portfolio of commercial loans, consistently meeting or exceeding performance targets.
• Ensured regulatory compliance in all credit-related activities by staying updated on industry best practices and adhering to internal policies.

Accomplishments:

• Recognized for consistently meeting or exceeding performance targets, maintained 99% credit quality throughout tenure.
• Ensured regulatory compliance in all credit-related activities, resulting in zero instances of regulatory non-compliance, measured by internal compliance audits and regulatory examinations, with 100% pass rate in regulatory audits.

• Investigated, assessed, and reconciled all home loan applications submitted via mobile lenders and third-party networks
• Reviewed loan requests, evaluating clients' financial information and conducting various checks to identify discrepancies and variances
• Mitigated risks prior to credit decision or disbursement/settlement by identifying and reporting potential fraudulent information and documents.

Accomplishment : Implemented streamlined processes for loan applications, reducing turnaround time by 20% and improving overall efficiency.

• Resolved conflicts related to new mortgage registration, discharges, production and release of titles, and settlement matters
• Ensured timely information and support to applicants, brokers, and solicitors while adhering to lending policies and procedures
• Case-managed complex files and ensured positive customer experience.

Accomplishment: Led a cross-functional team to streamline the mortgage settlement process, resulting in a 25% reduction in settlement delays and improved customer satisfaction ratings.

• Worked for Victorian Electoral Commission helpline team during Victorian state election in 2018
• Processed various requests from eligible voters and provided accurate information regarding voting options
• Analyzed recorded calls to ensure quality service and accurate information conveyance.

• Supported Coles store staff during Coles IT systems changeover project nationwide
• Organized and conducted conference calls with various stakeholders and aided store managers.

Accomplishments:

• Spearheaded and facilitated 15 conference calls with stakeholders, including store managers and IT teams, resulting in 20% reduction in project-related misunderstandings and 15% increase in project alignment, as evidenced by post-call feedback surveys.
• Provided timely support to over 50 Coles store managers, resolving 95% of their queries within 24 hours during IT systems changeover project.