Simon Younes
Maribyrnong,VIC
Summary
I am an experienced credit professional with delegated signoff authority of up to $3 million, specialising in residential home loan assessment and policy alignment. I support the development of new staff through structured coaching and formal onboarding for delegated lending authority. My expertise includes reviewing complex broker scenarios, providing clear guidance on policy fit, and maintaining high standards in file quality to meet APRA securitisation requirements. With a strong focus on compliance, documentation, and responsible lending, I bring a thorough and solutions-oriented approach to credit assessment, including scenarios such as partial discharges, security substitutions, and consents.
Overview
36
36
years of professional experience
1
1
Certification
Work History
Consultant Credit Assessment
Advantedge Financial Services
03.2015 - Current
- Support new staff in attaining their delegated lending authority through structured coaching, scenario walkthroughs, and formal signoffs, helping build credit confidence and capability.
- Exercise independent lending authority to assess and approve residential home loan applications up to $3 million, ensuring alignment with credit policy and risk parameters.
- Review credit scenarios submitted by brokers and provide clear, timely advice on whether they align with current policy guidelines, offering alternatives or structuring recommendations where appropriate.
- Validate approved files to ensure compliance with APRA requirements for securitisation, maintaining rigorous standards across documentation, serviceability, and responsible lending.
- Perform end-to-end assessment of residential loan applications, including complex scenarios such as partial discharges, security substitutions, and consents.
Home Loan Consultant
BankVic
02.2009 - 03.2015
- Conduct end-to-end credit assessments for fully verified home loans up to 95% LVR, as well as personal loans, car loans, and credit cards, ensuring quality, compliance, and sound decision-making.
- Interpret and assess financial data, including profit & loss statements and balance sheets, to determine loan serviceability and creditworthiness.
- Promote and sell general insurance products (Home, Motor, Travel, Landlords) and mortgage protection insurance (CGU & Allianz) tailored to member needs.
- Handle inquiries across all lending products and credit cards, converting leads into sales through proactive and solution-based conversations.
- Process First Home Owner Grant applications, order property valuations, and manage supporting documentation for loan settlements.
- Focus on client retention by delivering tailored lending and insurance solutions while maintaining strong, ongoing relationships with members.
- Held delegated credit approval discretion up to $500,000 (Manager Level 1), making responsible lending decisions within policy.
- Liaise with third-party providers including valuers, solicitors, and insurance partners (CGU & Allianz) to ensure smooth processing and settlement.
Member Relationship Manager (secondment)
BankVic
09.2012 - 11.2012
- Partner with the Marketing Department to promote Police Credit's memberships, products, and services, aligning campaigns with growth strategies.
- Identify and pursue new business opportunities to increase Police Credit's brand presence and member acquisition across approved member groups.
- Conduct regular on-site visits to approved member groups to strengthen relationships, deliver educational presentations, and provide tailored financial solutions.
- Drive membership growth through proactive outreach, promotional events, and consistent follow-up with both new and existing members.
- Represent Police Credit at expos and community events, promoting products and services to target audiences and generating new member interest.
- Ensure all Police Credit brochure stands are up-to-date with current marketing materials and product information during member group visits.
- Open new memberships and provide personalised lending, banking, and insurance solutions based on individual member needs.
- Deliver regular presentations and information sessions to educate members on products, services, and financial wellbeing.
Application Co-Ordinator - Homeside Lending
National Australia Bank
10.2007 - 01.2009
- Credit assessment - Home Loans fully verified to 95% LVR and Lo Doc for Homeside Lending (Third Party Originators) and submitting to Credit Department for approval.
- Ensure quality and validity of applications.
- Interpretation of financial data, including balance sheets, profit and loss.
- Processing of First Home Owners Grant.
- Ordering Valuations.
Credit Analyst - Temporary Role
Macquarie Group
08.2007 - 10.2007
- Credit assessment - Home Loans fully verified to 100% LVR, Lo Doc and No Doc Loans for Aussie Home Loans.
- Ensure quality and validity of applications.
- Interpretation of financial data, including balance sheets, profit and loss.
Lending Officer
Arab Bank
02.2005 - 07.2007
- To assist the Relationship Manager to develop the Bank's business, and administer their lending portfolio as well as cross sell and maintain a relationship with existing customer base.
- Conducting loan interviews and preparing Credit recommendations for the Relationship Manager's approval.
- Market & Cross sell the Banks products to existing customers.
- Write Credit Recommendations Home and Commercial Loans for the approval of the Relationship Manager in a format acceptable to the Relationship Manager and Group Credit.
- Analyzing & Interpreting Business Financials.
- Maintain existing loan portfolio in a professional and informative manner.
- Provide quality service to both internal and external contacts.
- Monitoring credit reports that cover arrears, excesses, and maturities; and liaising with the Relationship Manager to establish what action to take.
- Liaising with the Credit Department regarding the progress of loan applications.
- Reviewing all conditions of approval to ensure they have been met prior to settlement.
- Conducting reviews and recommending restructures and /or extensions to existing credit facilities.
- Manage the business relationship between Arab Bank and a defined group existing customers.
- Arranging Veda Advantage credit reports.
- Instructing Solicitors and Valuers.
- Fee collection.
- Settlement administration.
- Preparation of Letter Of Offer.
Mortgage Aquisition Officer
ANZ
07.1999 - 01.2005
- Credit assessment - Home Loans fully verified and Lo Doc Loans.
- Held Credit Approval Discretion (CAD) of $750,000 and Partial Discharge Credit Approval Discretion of $1M.
- Held Mortgage Insurance Delegated Underwriting Authority (DUA) of $750,000 for QBE and GE.
- Policy and Scenarios Call Centre. Liaise with Branch and Broker Network to best structure, re-package and communicate Bank policies before submission to the Bank.
- Ensure quality and validity of applications.
- Interpretation of financial data, including balance sheets, profit and loss.
- Provided and recommended documented feedback to Risk Management for issuance of two Credit Approval discretion (Partial Discharges) for two staff members.
Fulfilment Officer
ANZ
06.1995 - 06.1999
- Prepare Letter of Offer and Mortgage Documentation correctly and efficiently ensuring all Service Level agreements are met when issuing documents to customers.
- Ensure all diary items are actioned promptly. Ensure all requirements are met and settlements are achieved as required with no delays.
- Provide the highest possible level of customer service by accurately communicating document preparation requirements, ensuring service level agreements are maintained and maintaining Customer Relationships both Internally and Externally.
- Complete Special projects and other duties required by Supervisor.
- Continually monitor and address system failures and inefficiencies, Identify improvements on an ongoing basis with the view to creating an environment of constant improvement.
Account Management Officer
ANZ
06.1994 - 06.1995
- Ensure smooth conduct of account and amend details as required.
- Preparation of second registered mortgages, in order to be registered at Land Titles Office.
- Perform loan re-constructions.
- Preparation of partial and full discharges for settlements department.
- Receiving requests from Branches to partially drawdown loans for payment to builders.
- Receive complaints from Branches and try to resolve problems with 24 hour time frame.
- Comply with Uniform Credit Code.
- Ensure customer requests are processed accurately and efficiently.
Relief Teller
ANZ
01.1990 - 05.1994
- Serving customers over the counter.
- Accepting deposits.
- Cashing cheques and processing withdrawals.
- Drawing up bank drafts, bank cheques and accepting telegraphic transfers.
- Handling foreign currency and travellers cheques.
- Opening new accounts.
- Balancing cash within the required time frame.
Education
Diploma Of Business - Banking, Corporate, Finance, and Securities Law
Kangan Institute
12.1997
Higher School Certificate - undefined
Keilor Heights High School
12.1989
Skills
- Comprehensive Credit Assessment
- Financial Analysis
- Attention To Detail
Certification
Diploma Of Business
Timeline
Consultant Credit Assessment
Advantedge Financial Services
03.2015 - Current
Member Relationship Manager (secondment)
BankVic
09.2012 - 11.2012
Home Loan Consultant
BankVic
02.2009 - 03.2015
Application Co-Ordinator - Homeside Lending
National Australia Bank
10.2007 - 01.2009
Credit Analyst - Temporary Role
Macquarie Group
08.2007 - 10.2007
Lending Officer
Arab Bank
02.2005 - 07.2007
Mortgage Aquisition Officer
ANZ
07.1999 - 01.2005
Fulfilment Officer
ANZ
06.1995 - 06.1999
Account Management Officer
ANZ
06.1994 - 06.1995
Relief Teller
ANZ
01.1990 - 05.1994
Higher School Certificate - undefined
Keilor Heights High School
Diploma Of Business - Banking, Corporate, Finance, and Securities Law
Kangan Institute
Current Position
Senior Credit Analyst at Advantedge Financial Services
Personal Information
Title: Senior Credit Analyst at Advantedge Financial Services
References
Available on request.