Phuong Pham
Werribee,Vic
Overview
15
15
years of professional experience
Work History
Advisor
Data Feeds
09.2019 - Current
- Process high volume of applications inflow for transaction integration offered to business customer via different accounting software ie XERO, MYOB, SISS, AGDATA, RECKON, PRAEMIUM.
- Perform verifications to maintain data integrity , consistency and quality in fast paced environment
- Act as SME for problem solving and handling complex enquiry.
- Compile NABIT documents for data feeds and provide training to new team member.
Advisor
NAB Connect
09.2017 - 08.2019
- Set up new NAB Connect platform and perform amendment to existing facility
- Perform document verification and necessary checks on application as per policies and procedures
- Assist customer with their business banking needs by providing first point contact resolution.
Fulfillment Team Member
NAB Commercial Cards
08.2015 - 08.2017
- Assess client’s risk profiles associated with each application via decision making tools i.e ECRS and EBL
- Complete credit memo with application of industry knowledge and internal policies
- Set up new card accounts and billings according to product feature and limit approval
- Address daily transaction inquiries and cards maintenance.
Senior Analyst
Techcombank
02.2012 - 06.2014
- Gather and examine the authenticity of loan application (personal loan, credit card, cash advance) by conducting interview, research data and conduct financial analysis.
- Examine source of repayment, credit history, and financial strength in order to evaluate the ability of borrower to honour his financial obligations.
- Prepare report of findings and recommend for final determination
- Establish credit limit and grant extensions of credit on overdue accounts.
- Performing investigation on suspected case and site visit when required.
Credit Analyst
ANZ Banking Group
01.2010 - 01.2012
- Analyse customer data and credit scores to determine borrowers' creditworthiness.
- Review credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Review and approve or deny credit applications to keep organization profitable by making informed lending decisions.
- Participate in loan committee meetings to provide input on lending processes.
- Attend credit-related training and conferences to stay informed about industry trends and development
- Work together with sales team and customers to negotiate payments and verify account reconciliations
Underwriter
AIG General Insurance
01.2009 - 12.2009
- Review applications for insurance coverage and reports from loss control specialists to determine risks.
- Calculate group and individual renewal rates based on customers' background, industry and demographic information.
- Utilise knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Build strong relationships with lenders, brokers and clients.
Education
Career Qualified in Banking
FINSIA
Melbourne, VIC2022
BACHELOR OF COMMERCE
Deakin University
Melbourne, VIC2008
Skills
- Customer service
- Underwriting
- Risk Assessment
- Information Verification
- Capable to work in fast pace and high volume environment
- Able to handle multiple deadlines and prioritize tasks
Reference
Available upon request
Timeline
Advisor
Data Feeds
09.2019 - Current
Advisor
NAB Connect
09.2017 - 08.2019
Fulfillment Team Member
NAB Commercial Cards
08.2015 - 08.2017
Senior Analyst
Techcombank
02.2012 - 06.2014
Credit Analyst
ANZ Banking Group
01.2010 - 01.2012
Underwriter
AIG General Insurance
01.2009 - 12.2009
Career Qualified in Banking
FINSIA
BACHELOR OF COMMERCE
Deakin University
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