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