Bruce Debenham Email & Phone Number

Adelaide, Sa, Au

Adelaide, Australia

Perks is a professional services firm with a highly qualified team and a keen responsiveness to client needs, Perks offer a truly integrated accounting, tax, wealth management, insurance and finance solution and because we only work with privately owned business, we understand them and their needs intimately.Achieving results for our clients is what we are all about.We are one of Australia’s premier mid-tier professional services firms and we’re continuing to grow. We have 140… Show more Perks is a professional services firm with a highly qualified team and a keen responsiveness to client needs, Perks offer a truly integrated accounting, tax, wealth management, insurance and finance solution and because we only work with privately owned business, we understand them and their needs intimately.Achieving results for our clients is what we are all about.We are one of Australia’s premier mid-tier professional services firms and we’re continuing to grow. We have 140 plus accounting, tax, wealth management, insurance and finance experts on our team allowing us to better service our clients and attract high quality team members.Bruce leads the Perks Banking and Finance division which assists clients with their commercial, agribusiness and consumer lending needs. Show less

Australia

Sydney, Australia

The Financial Services and Credit Panel (FSCP) is a pool of industry participants that ASIC draws upon when forming individual sitting panels.Each sitting panel comprises two members from the FSCP and an ASIC staff member.Sitting panels decide whether ASIC will make banning orders against individuals for misconduct in the course of providing retail financial services and/or engaging in credit activities.

Sydney, Australia

South Australia

Sydney, Australia

Adelaide, Australia

Adelaide, Australia

97 Goodwood Road, Goodwood, South Australia 5034

The Goodwood Community Bank® Branch is a locally owned and operated company which functions as a franchise of the Bendigo and Adelaide Bank. The Goodwood Community Bank® Branch provides a range of banking products for customers in the local and wider community. Profits are reinvested in the local community through sponsorships and grants to community groups and projects.

Adelaide, Australia

Designed and delivered a project to action critical points raised from an external review of the credit framework and operations within the Bank; this included:- The preparation of the Bank’s Risk Appetite Statement including discussions with key stakeholders (shareholder, the Board of Directors and APRA) and ultimate approval and then implementation of the Risk Appetite across the Bank. - The implementation of a number of significant amendments to credit policy which helped streamline… Show more Designed and delivered a project to action critical points raised from an external review of the credit framework and operations within the Bank; this included:- The preparation of the Bank’s Risk Appetite Statement including discussions with key stakeholders (shareholder, the Board of Directors and APRA) and ultimate approval and then implementation of the Risk Appetite across the Bank. - The implementation of a number of significant amendments to credit policy which helped streamline the credit assessment process and improved speed to market for the Bank’s customers.- Reviewing the credit risk rating framework and methodology and recommending significant changes to the questions, weightings and overall credit risk rating assessment process.- Designing and delivering a two day Agribusiness focused Credit Training Workshop for credit and sales staff.- Redesigning the credit assessment report used by the credit and sales teams to make it more efficient and user friendly.- Working with two external valuation firms to prepare and deliver a foundation appraisal training workshop and an advanced valuation training workshop for credit and sales staff.Working with external accounting/advisory firms and third party Australian and overseas based equity providers to develop an Australian based agricultural fund whose principle objective is to provide equity to large farm operators.Working with the senior executive team to identify and implement policy and process improvements within the Bank.Representing the Bank in discussions with APRA including ongoing reporting, implementation of process and policy changes and other obligations.Representative on the Bank’s Board Credit and Board Risk Committee and various Executive committees. Show less

Level 1, 27 Currie Street, Adelaide Sa 5000

Management and leadership of all Credit and Lending (“C&L”) personnel.Approval of all larger and more complex exposures in accordance with board credit policy.Completion of credit quality reviews of state defined portfolios.Responsible for the successful management of the credit risk of the Australian loan book ($3.7bn) and exercising the highest ($10m) management delegated lending authority.Maintaining and strengthening the credit risk framework, policy and… Show more Management and leadership of all Credit and Lending (“C&L”) personnel.Approval of all larger and more complex exposures in accordance with board credit policy.Completion of credit quality reviews of state defined portfolios.Responsible for the successful management of the credit risk of the Australian loan book ($3.7bn) and exercising the highest ($10m) management delegated lending authority.Maintaining and strengthening the credit risk framework, policy and systems.Development of relationships with external clients and the relationship management team.Bank’s C&L representative at external forums and industry bodies including the establishment and development of commercial networks.Training and development of C&L and relationship management team.Assistance with the identification and implementation of external business opportunities which contribute towards the Bank’s operating success and achievement of strategic goals. Show less

Financial management of a start-up business in direct competition with established business and brand (ie Fielders)Develop key relationships with financiers, investors and critical suppliers (including securing terms with key suppliers).Implementation of computer and information systems including discussions with critical suppliers.Management of legal action (Restraint of Trade and Trade Practices Act) taken against the company and its founders. Preparation of information… Show more Financial management of a start-up business in direct competition with established business and brand (ie Fielders)Develop key relationships with financiers, investors and critical suppliers (including securing terms with key suppliers).Implementation of computer and information systems including discussions with critical suppliers.Management of legal action (Restraint of Trade and Trade Practices Act) taken against the company and its founders. Preparation of information memorandum for securing debt funding and raising equity including the preparation of a fully integrated financial model.Preparation of monthly management accounts including responsibility for payroll, debtors, creditors, stock control, BAS, statutory requirements, etc Show less

Proactively partner the business and lead the nab Risk team ensuring they:- are customer focused;- are capable of accurate and timely risk recognition;- conduct dealings in a timely manner and in accordance with risk appetite (risk/reward) and portfolio considerations; and- do not deliver “surprises”.Enhance and maintain the reputation of the Risk team within nab, ensuring high levels of credibility and a constructive and open risk management climate/culture is encouraged… Show more Proactively partner the business and lead the nab Risk team ensuring they:- are customer focused;- are capable of accurate and timely risk recognition;- conduct dealings in a timely manner and in accordance with risk appetite (risk/reward) and portfolio considerations; and- do not deliver “surprises”.Enhance and maintain the reputation of the Risk team within nab, ensuring high levels of credibility and a constructive and open risk management climate/culture is encouraged and upheld.Assist in the delivery of the cultural change program throughout nab including membership of the State Leadership team.Responsible for accuracy and quality of papers submitted to higher approval levels.Coaching, monitoring and supervision of direct reports to ensure they have the skills and knowledge to perform their role, at the minimum standards required by internal operating policies and external regulatory bodies and legislation.Accountability for working with other business units to implement and deliver policy, procedures and a monitoring framework to ensure satisfactory regulatory compliance and operational risk outcomes within nab.Exercised a joint delegated commitment authority on business lending up to $150m including appraisal of senior management, credit risk assessment, financial analysis and due diligence, covenant performance and evaluation of security.Responsibility for an operating budget of $5m. Consistently managed costs within budget. Show less

Preparation of investigating accountants’ reports on behalf of banks, in some cases involving listed companies which required:- an assessment of a company’s past and forecast trading performance;- an analysis of the company’s business including KPIs, strategic direction and key customers and suppliers; and- an assessment of the Bank’s current and ongoing security position.Discuss with key stakeholders the strategic options and recommendations available to limit exposure to… Show more Preparation of investigating accountants’ reports on behalf of banks, in some cases involving listed companies which required:- an assessment of a company’s past and forecast trading performance;- an analysis of the company’s business including KPIs, strategic direction and key customers and suppliers; and- an assessment of the Bank’s current and ongoing security position.Discuss with key stakeholders the strategic options and recommendations available to limit exposure to financial/other risks.Preparation of financial models with integrated balance sheet, profit and loss and cash flow projections which were used by clients to seek finance for working capital and further capital investment.Responsibility for the day to day management of companies including negotiations with potential purchasers of businesses, suppliers and customers.Review of businesses working capital needs, identifying cost cutting measures and the preparation of cash flow and profitability forecasts for the purposes of assessing the ongoing viability of insolvent companies and their potential sale value.Active involvement with the graduate recruitment program in Adelaide and the training program across the Asia Pacific region. Show less