Brandon Lu Email & Phone Number

Sydney, Nsw, Au

Sydney, New South Wales, Australia

-assist with the development and design of sound credit policy balancing growth business strategy with a risk appetite.-preparing and collating material and data as part of credit policy change proposals which are socialised to various stakeholders for endorsement and ratification.-maintain a forward-thinking and considered approach during credit policy implementation by ensuring automated solutions are leveraged and manual work is minimised.-regular collaboration and engagement with stakeholders on proposals and matters to ensure effective troubleshooting of issues and rollout of credit policy.-daily review of risk generated reports to ensure KRI's remain within set risk appetite and ensuring any abnormalities are identified and investigated appropriately.-regular review and maintenance of credit policy and related tools to ensure collateral remains updated in response to the dynamic regulatory environment and any emerging industry developments.-assist in the gathering and preparation of responses to APRA and RMRT surveys and questions.

Sydney, New South Wales, Australia

-Assisting in updating and implementation of interest rate buffer and floor rate updates.-ensuring security risk and bank risk appetite remain updated and appropriate by conducting a postcode review.-Being connected promoting collaborativeness by assisting in the preparation, facilitation and delivery of underwriting services training sessions.-ensuring higher risk indicators of a loan application are easily identified by assisting with risk based system updates to ensure credit assessment process is aligned to the credit policy-using knowledge of underwriting policy and credit nous to provide input on process improvement and credit practices and policy.

Parramatta

-provided maternity leave cover in the role of acting team leader carrying out team leader duties such as discussing credit scenarios and escalations with partnership managers and other stakeholders, reviewing files for higher delegation sign off and engagement in projects aimed at improving the overall credit assessment journey in underwriting.-trainer and facilitator of one of HSBC’s Proof of Concept (POC) initiatives aimed at training verifiers to review certain areas of credit assessment before the application is routed to an underwriter for assessment.-regular engagement with credit risk via monthly meetings to discuss any recent credit policy changes and other pertinent credit issues.-senior DLA of $4m PAYG and self-employed (Includes processing foreign non-resident, high bank exposure and complex applications) and $1.5m for policy exceptions.-review and sign off of credit applications including review of applications referred that require a higher delegation sign off.-assisted with higher delegation sign offs for unsecured lending which includes review of credit cards and personal loans during the peak of COVID19.-actioning loan submissions within the target SLA whilst maintaining a high level of quality against regular QA checks.-regular communication with internal and external stakeholders, in particular, building relationships with mortgage brokers in order to provide a high level of service and understand the financial needs of customers.

Parramatta

-assessing residential PAYG and self employed home loan applications and decisioning those within delegated lending authority.-using sound knowledge of credit policy to act as a point of reference for the team and to identify any higher risks within a loan application to ensure appropriate mitigation.-involved in projects and meetings with internal stakeholders which aims to improve current standard of work and business processes.-nominated to provide coaching and assist with new ‘launch pads’ and constantly reviewing current business procedures and processes to improve business outcomes.-member of the Sales Quality Remediation team formed as part of the bank’s response to The Royal Commission enquiry to assist with adherence to responsible lending. Collaborated and worked towards achieving a 95% quality rate for the business unit.-team champion for lending policy and procedural updates to the team. Responsible for ensuring colleagues were informed of changes so quality of work is not compromised.-experience in discussing, creating and implementing risk controls for current procedures and processes within the business to minimise risk and potential financial loss to the bank.-delegated risk authority of $2m PAYG and Self Employed.

Parramatta

-Responding to a high volume of customer queries and calls with a customer centred focus.-Commencing and lodging motor vehicle claims efficiently and effectively to make the process as seamless and convenient as possible for customers.-Liasing with insurers, third parties, service providers and internal departments in order to coordinate claim solutions.-Comforting customers in real times of need and assisting them in making informed decisions.-Obtained Certificate III in Financial Services.

Bankstown

-Assisting in promoting the name and brand awareness of C2C.-Teaching mathematics and English to students and communicating with parents to provide relevant feedback and to help students with overall development.

Sydney, Australia

-Preparation and research of Statement of Advice documents for clients.-Calling and liaising with external stakeholders to gather relevant information.-Gathered extensive information for clients, sourcing information from super funds and other relevant organisations clients hold assets with.-Worked with Xplan daily to assist in daily workflow and diary management.

Cabramatta/Banktown

-Teaching secondary school mathematics to students.-Regularly speaking with students and parents to evaluate student performance and progression.-Constant interaction and communication with students to help in understanding complex mathematical concepts.

Bachelor Of Applied Finance, Finance, General

Activities and Societies: -Economics, Commerce and Finance Society.

Education record

Activities and Societies: -School Soccer teamExtention 2 Mathematics Extention 1 Mathematics