Summary
Overview
Work History
Education
Skills
Timeline
Generic

Phillip Hickey

Tootgarook,VIC

Summary

Competent Credit Analyst bringing a wealth of experience in analysing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.

Overview

12
12
years of professional experience

Work History

Credit Analyst

Peninsula Lending Co
04.2023 - Current
  • Assessed credit risk and analysed financial statements.
  • Analysed customer data such as financial statements to determine level of risk involved for extending credit.
  • Analysed credit scores to determine borrowers' creditworthiness.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Assessed client data against lender policy

Multi Unit Franchise Owner Aussie Home Loans

Self Employed
12.2015 - 04.2023
  • Proven ability to learn quickly and adapt to new situations.
  • Demonstrated leadership skills in managing projects from concept to completion.
  • Demonstrated strong organizational and time management skills while managing multiple projects.
  • Worked effectively in fast-paced environments.
  • Developed and maintained relationships with local real estate agents. Submitted loan applications to the underwriter for verification and recommendations.
  • Reviewed residential loan application files to verify completeness of data to meet established standards of investors.
  • Conduct applicants interviews which were intended to obtain and verify information required for mortgage loan applications.
  • Review residential and commercial loan application to verify that the application data is complete and meets standards/guidelines.
  • Originated mortgage loan applications by considering the purchase or refinancing of existing mortgages both residential and commercial.
  • 13 years experience as a mortgage broker

Mortgage Broker

Beachside Finance Solutions Self Employed
01.2012 - 12.2015
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Assessed clients' financial data to determine loan suitability.
  • Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
  • Mentored other mortgage brokers in methods to help each land new clientele.

Education

Diploma Mortgage Broking - Mortgage Broking

AAMC
11.2015

Advanced Diploma Financial Planning - Financial Planning And Services

AAMC
01.2012

Self Managed Superannuation Funds Course - Financial Planning And Services

Kaplan Education
01.2012

Cert IV Mortgage Broking - Mortgage Broking

AAMC
07.2010

Diploma Financial Planning - Financial Planning And Services

Kaplan Education
01.2008

Skills

  • Construction Loans
  • Business and Commercial Loans
  • Private lending Loans
  • Residential Loans
  • Franchise Operations
  • Un-secured Loans
  • Equipment Finance
  • Asset Finance

Timeline

Credit Analyst

Peninsula Lending Co
04.2023 - Current

Multi Unit Franchise Owner Aussie Home Loans

Self Employed
12.2015 - 04.2023

Mortgage Broker

Beachside Finance Solutions Self Employed
01.2012 - 12.2015

Diploma Mortgage Broking - Mortgage Broking

AAMC

Advanced Diploma Financial Planning - Financial Planning And Services

AAMC

Self Managed Superannuation Funds Course - Financial Planning And Services

Kaplan Education

Cert IV Mortgage Broking - Mortgage Broking

AAMC

Diploma Financial Planning - Financial Planning And Services

Kaplan Education
Phillip Hickey