Summary
Overview
Work History
Skills
Languages
References
Timeline
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Stella Wei

Brisbane,QLD

Summary

Detail-oriented and results-driven Credit Analyst with 10 years of experience in evaluating credit risk, analyzing financial statements, and conducting comprehensive financial analysis for individuals and businesses. Proficient in assessing creditworthiness, preparing detailed reports, and making data-driven recommendations to support lending decisions. Strong knowledge of financial modeling, credit scoring systems, and risk management strategies. Adept at maintaining accurate records, collaborating with cross-functional teams, and ensuring compliance with industry regulations. Seeking to leverage expertise in credit analysis to contribute to the financial success and growth of a dynamic organization.

Overview

15
15
years of professional experience

Work History

Credit Analyst

Commonwealth Bank
08.2015 - Current
  • Evaluated and made decisions on home loan applications in accordance with risk policies.
  • Evaluated the performance of customers by analyzing their past repayment behavior, as well as their current account status.
  • Prepared comprehensive credit reports summarizing findings and supporting loan approval or denial decisions.
  • Adhered to applicable laws, regulations and policies governing consumer lending practices.
  • Developed and maintained relationships with both external and internal business partners
  • Assessed borrower capacity by analyzing income sources, debt-to-income ratios, and collateral values.
  • Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
  • Analyzed financial statements and credit reports to assess the creditworthiness of borrowers.
  • Identified areas of potential risk associated with lending decisions.

Personal Lending Specialist

Commonwealth Bank
07.2013 - 07.2015
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Reviewed customer financial information to determine eligibility for loans.
  • Approved or denied loan applications and explained reasoning behind decisions.
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Attended industry conferences and seminars in order to stay abreast of changes in the lending environment.
  • Developed relationships with customers to ensure satisfaction with services provided.
  • Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
  • Collaborated with other departments such as Sales and Marketing to promote lending services through various channels.

Customer Banking Specialist

Commonwealth Bank
02.2010 - 06.2013
  • Cross-sold wide range of services and products to increase new business and expand existing customer relationships.
  • Helped customers prepare documents required to complete transactions and process requests.
  • Identified customer desires and goals through needs-based sales tactics.
  • Worked with diverse product development teams to create software for qualitative structured solutions to validate and model emerging markets.

Skills

  • Risk assessment
  • Risk mitigation strategies
  • Judgmental lending
  • Credit decisions
  • Credit risk assessment
  • Information verification
  • Relationship management
  • Financial statement analysis

Languages

Chinese (Mandarin)
Native/ Bilingual

References

References available upon request.

Timeline

Credit Analyst

Commonwealth Bank
08.2015 - Current

Personal Lending Specialist

Commonwealth Bank
07.2013 - 07.2015

Customer Banking Specialist

Commonwealth Bank
02.2010 - 06.2013

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Stella Wei