Aaron Underdown (Minstd) Email & Phone Number

Auckland, Nz

Auckland, New Zealand

New Zealand

Papua New Guinea

Responsible for developing a 3LOD for risk based Credit Inspection (CI) for retail businesses, corporate businesses, asset finance businesses and overseas geographies (Fiji, Samoa, Tonga, Vanuatu, Solomon Islands, Cook Island, Laos, Cambodia).Responsible for providing assurance to Executive Management and Board Risk Committee with an independent assessment as to the adequacy of credit risk management processes and the asset quality of a $14B loan portfolio.

New Zealand

Responsible for and managed the Asset Management Property, Asset Management Business, and Asset Management Rural functions.Implemented strategies for management of non- core property assets as directed by the DCRO/CRO/CEO.Responsible for the portfolio of Asset Management accounts to minimise arrears and subsequent write-off of losses through workout strategies.Member of Credit Risk Oversight Forum with Credit, Business and Rural and disseminated lessons learnt.

Papua New Guinea

Responsible for 1B balance sheet and provide sustainable growth opportunities for NDB and establishing / promoting risk appetite across NDB group.200+ FTE, including all bank operations (Accounting & Finance, Branch network, Lending, Risk & Compliance, Legal, HR, Properties, Security, Marketing).Responsible for NDBs annual operating plan including all P&L's for all departments.Held executive and non executive Board Director positions for National Devloment Bank, Institute of Business Banking Management, Peoples Micro Bank Limited.

Papua New Guinea

Reporting to the Managing Director of NDB with secondary reporting line to NDB Board.- Responsible for annual compliance plans and groups operational and credit risk framework.- Provide assurance to executive management on all risks & compliance matters.- Provide independent oversight on credit submissions ensuring proposals comply within group credit policy and within delegated authorities.- Oversight of the Banks loan portfolio and ensuring risks are within groups risk appetite statement.- Responsible for managing the banks enablement functions legal, Internal audit, lending support, asset management unit, recoveries, quality assurance, operational risk & portfolio reporting.

Auckland, New Zealand

• Provide assurance over Operational and Compliance risk activities across the Branch Network, Business Banking, Private Banking (Specialist SME), Contact Centre & Wealth • Key Risk Owner across all segments for ANZ’s Home Loan Fraud. • Monitored & tested controls and key risk indicators for Private Bank.• Embedded a strong risk culture and awareness of the Operational Risk Management and Measurement Framework by implementing & operationalizing frameworks such as, Consequence Management & Monitoring Framework, Operational Contract Management Framework.• Responsible for providing robust risk input into various incidents and complaints management and provided treatment plans where necessary.• Evidenced compliance requirements for annual risk attestations for continuation of DIMS license by the FMA regulator. • Undertook annual review of BCM and testing of BCP for Private Banking.• Provided oversight on exception process for all new CDD customers who were onboarded in the private banking area while providing AML guidance. • Assisted the business with providing independent risk assessment & mitigating controls on any potential compliance, reputational & financial impacts for a variety of organizational changes & simplification projects.

•Development of Credit Policy. •Assisting in the alignment of credit policy and process to satisfy the New Zealand Business Unit and Group Risk requirements. •Providing advice and support on Credit Policy to change initiatives and Commercial staff •Maintaining asset quality whilst supporting growth targets with development of business writing strategy. •Monitoring credit exposures for external reporting (for example, to rating agencies, APRA and the Reserve Bank). •Regular monitoring and monthly reporting on the Commercial credit portfolio. •Proactively identifying key risk issues the business must address and assist the business in developing mitigation plans.

•Maintained independent oversight as to integrity of the credit management process and responsible for UDC’s asset quality as set by the CEO/ UDC Board •Responsible for all credit risk matters including approval oversight for productive & distressed customers (With revenues ranging from $500K to $200M) •Formulated & maintained Retail / Wholesale Credit Policy•Responsible for credit oversight in the development & implementation of scorecards & Basel accreditation•Provide guidance to Credit & Line counterparts on how to structure transactions and to suggest alternative ways to make proposals acceptable credits.•Guide Asset Management staff on appropriate strategies relating to delinquent or impaired accounts. •Responsible for development of business writing strategy while providing regular monitoring and reporting of the portfolio whilst proactively identifying trends in credit quality and developing action strategies.

Bachelor Of Commerce (B.Com.), Economics & Commercial Law

Nzce, Mechanical Engineering

Financial Essentials

Accounting Fundamentals / External Financial Reporting / Solvency Requirements / Financial Analysis / Building Business Value

Governace Essentials

Governance & Law/Roles of Governance/Purpose & Strategy/Culture/Holding to Account/Effective Compliance

Health And Safety Governance

Health wellbeing & safety governance/Legislation/Duties & Due Diligence/Liabilities & Penalties/Establishing & Monitoring best practise

Audit & Risk Committee

Establishing an audit and risk committee/Roles, responsibilities and leading practices/Risk management policies/Risk appetite/Current &.