Tshering Dema
Perth
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Aspire to offer excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought.
Overview
6
6
years of professional experience
Work History
Senior Credit Officer/Credit Analyst
National CSI Development Bank Limited
10.2016 - 12.2022
- Strengthened cross-functional collaboration by working closely with sales, operations, and compliance teams to achieve common goals.
- Reduced delinquency rates with proactive account management, timely interventions, and tailored recovery solutions.
- Achieved operational efficiency targets by optimizing staffing levels based on workload analysis and capacity planning data insights.
- Maximized revenue growth by identifying opportunities to increase lending while maintaining strict risk controls.
Education
Masters - Professional Accounting
Murdoch University
Perth, WA12.2024
Bachelors - Finance
Gedu College of Business Studies
Bhutan06.2013
Skills
- Documentation Review
- Cash Flow analysis
- Pricing strategy
- Portfolio Management
- Market Trend Analysis
- Risk mitigation strategies
- Customer Relations
- Financial statement review
- Creditworthiness Determination
- Risk Assessment
- Credit validations
- Documentation preparation
- Credit analysis
- Customer Acquisition
- Compliance reviews
- Quality controls
- Documentation Management
- Credit decisions
- Verbal and written communication
- Oral and written communications
- Information Verification
- Loan structuring
Timeline
Senior Credit Officer/Credit Analyst
National CSI Development Bank Limited
10.2016 - 12.2022
Masters - Professional Accounting
Murdoch University
Bachelors - Finance
Gedu College of Business Studies
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