PARISH SHARMA
Summary
Experienced finance professional with 5+ years in finance and banking. Skilled in financial analysis, reporting, credit assessment, and risk management. Seeking a dynamic role in a fast-paced organization where I can leverage my expertise in regulatory compliance and attention to detail to drive success.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Portfolio Risk Manager
Export Finance Australia
01.2025 - Current
- Manage credit analysis and assessments throughout the customer lifecycle from initial transaction assessments and writing new deals through to requests for variations, renewals and repeat business.
- Deliver credit analysis and assessments in compliance with EFA’s credit policies and procedures and risk appetite, and within appropriate timeframes.
- Manage a portfolio of customer files within an allocated portfolio applying knowledge of the local export market to the analytical activity required to service those customers through the deal lifecycle.
- Monitor compliance of client covenant and reporting issues, escalate where required.
- Work in collaboration with the SME Relationship Management team to manage customer interactions and servicing throughout the customer lifecycle, ensure proactive engagement and strong relationships with customers.
- Identify facilities with deteriorating risk profiles and work with Directors and Executives to ensure early identification and appropriate action is taken to manage the facility
- Engage with Credit to discuss papers prepared, articulate reasoning for structuring decisions, support analysis with evidence.
Financial Risk Analyst
Optus Communications
06.2024 - 01.2025
- Managed financial risk for major enterprises and government clients by conducting detailed financial analysis, including revenue trends, cash flow projections, and creditworthiness evaluations, combined with in-depth research on projects, business structures, and inter-company relationships to uncover potential vulnerabilities.
- Analyzed and prepared detailed financial reports, including revenue assessments and cash flow analyses, providing insights to support strategic decision-making.
- Analyzed financial performance metrics and their implications on risk exposure, supporting data-driven decisions for client retention and risk mitigation strategies.
- Conducted credit risk evaluations based on document compliance and accurate data capture.
- Delivered ad-hoc financial support and tailored reports for business operations and strategic projects.
- Maintained compliance with legislative guidelines such as the Credit Act, TCP Code, and Privacy Laws to ensure regulatory adherence.
Commercial Credit Analyst
National Australia Bank
07.2020 - 05.2023
- Conducted in-depth evaluations of financials, including P&L statements, balance Sheets & cash flow Projections, to assess clients' financial viability for lending decisions.
- Regularly prepared credit submissions that incorporated detailed analyses of financial strengths and weaknesses, ensuring alignment with the policy guidelines.
- Supported business bankers by providing insights into financial viability, addressing risk factors, and structuring recommendations to mitigate potential concerns.
- Assessed the financial viability of clients within diverse portfolios, identifying key risk areas and ensuring robust analysis to inform credit approval processes.
- Monitored commercial lending portfolios to manage and mitigate risks proactively while meeting or exceeding performance targets.
- Explained financial findings to clients in a clear and accessible manner, helping them and the opportunities.
Loan Verification Officer
ME Bank
02.2020 - 05.2020
- 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.
Mortgage Settlements Officer
ANZ Bank
02.2019 - 02.2020
- 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.
Customer Service Officer
Computershare Limited
09.2018 - 11.2018
- 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
Project Coordinator
Coles Group Limited
04.2017 - 06.2017
- Supported Coles store staff during Coles IT systems changeover project nationwide
- Organized and conducted conference calls with various stakeholders and aided store managers.
Education
Bachelor’s - Business Administration, Major in Finance
Skills
- Data Analysis and Reporting Tools (Excel, Power BI, TableAu)
- Financial Analysis
- Sensitivity Analysis
- Cash flow forecasting
- Stakeholder Engagement & Collaboration
Certification
- Certification in Essentials of the National Credit Code.
- Certification in Anti-Money Laundering and Counter-Terrorism Financing.
- RG146 Tier 2 FSRA Personal Advice.
Timeline
Portfolio Risk Manager
Export Finance Australia
01.2025 - Current
Financial Risk Analyst
Optus Communications
06.2024 - 01.2025
Commercial Credit Analyst
National Australia Bank
07.2020 - 05.2023
Loan Verification Officer
ME Bank
02.2020 - 05.2020
Mortgage Settlements Officer
ANZ Bank
02.2019 - 02.2020
Customer Service Officer
Computershare Limited
09.2018 - 11.2018
Project Coordinator
Coles Group Limited
04.2017 - 06.2017
Bachelor’s - Business Administration, Major in Finance
Similar Profiles
Herecil CabanitHerecil Cabanit
Virtual Finance Manager at Real Flow Finance AustraliaVirtual Finance Manager at Real Flow Finance Australia
Justin BartlettJustin Bartlett
Dealer Account Manager at Toyota Finance AustraliaDealer Account Manager at Toyota Finance Australia
Kylie MillarKylie Millar
Executive Assistant to Chief Executive Officer, Vice President Corporate and Chief Risk Officer at Toyota Finance Australia LimitedExecutive Assistant to Chief Executive Officer, Vice President Corporate and Chief Risk Officer at Toyota Finance Australia Limited
Ahmed AlafaliqAhmed Alafaliq
Portfolio Risk Manager at The Saudi Investment BankPortfolio Risk Manager at The Saudi Investment Bank
KAGO ROSE OFITLHILEKAGO ROSE OFITLHILE
Portfolio Risk Manager at Absa Bank BotswanaPortfolio Risk Manager at Absa Bank Botswana