Vipula Bhasin

Business & Private bank, Small Business, Commercial broker & Agribusiness

• Conducting credit reviews to evaluate creditworthiness, setting appropriate limits and terms of Credit submissions- Consumer and business banking on behalf of Business bankers (Agribusiness & B&PB) and Commercial brokers utilizing the Delegated Credit authority (DCA $30M)
• The role includes maintaining strong relationships with internal stakeholders to facilitate smooth credit operations
• (Business & Private bank/ Commercial broker, Agribusiness)

The primary purpose of this role was to provide SME support to ensure dedicated BPB assessors in CCS (Customer & Colleague Services) can perform a range of compliance and credit assessment analysis on BPB Proprietary and Broker originated home lending products including stand-alone mortgages and limit increases.

The objective of the role was to upskill and provide on demand support to progressively build the competency of CCS Assessors focused on eligible BPB Proprietary & Broker HL flow so they are enabled to meet agreed service and quality standards.

Conducting detailed credit analysis on new and existing Business, Agribusiness and Private banking customers (Business and Home Lending) assessing creditworthiness, and recommending appropriate credit limits

• Perform financial statements analysis, cash flow analysis and industry research to evaluate customer financial health
• Prepared credit proposals and present to credit managers for approval

Overlooking a portfolio of 35-40 SME’s to meet their cash flow requirements on a day to day basis whilst protecting the banks’ exposure by analyzing everyday accounts receivables and ensuring effective debt recovery, whilst simultaneously striving to provide the best customer experience to clients

• The portfolio of Suncorp’s Invoice finance was taken over by Scottish Pacific PL in 2016 where I spent the last 6 months
• QLD & Scottish Pacific QLD