Christopher Cam Email & Phone Number

Melbourne, Vic, Au

Melbourne, Victoria, Australia

Melbourne, Victoria, Australia

Banjo is an online lender providing secured (asset and equipment finance) and unsecured loans (working capital) to small businesses in Australia.Prior to joining Banjo back in Nov 2021, Banjo was a lender in the unsecured loans sector only. I joined Banjo to establish the Asset and Equipment finance product. Key achievements:-Establishment of Asset and Equipment Finance product (full credit assessment for loans up to $2,000,000)-Establishment of Asset and Equipment… Show more Banjo is an online lender providing secured (asset and equipment finance) and unsecured loans (working capital) to small businesses in Australia.Prior to joining Banjo back in Nov 2021, Banjo was a lender in the unsecured loans sector only. I joined Banjo to establish the Asset and Equipment finance product. Key achievements:-Establishment of Asset and Equipment Finance product (full credit assessment for loans up to $2,000,000)-Establishment of Asset and Equipment Express product (bank statements only loans up to $250,000)-Established credit risk policy for the Asset and Equipment finance product-Asset and Equipment Finance Portfolio Management totalling c$40m+-Banjo Express (working capital bank statements only loans up to $250,000) Portfolio Management totalling c$35m+ Show less

Melbourne, Victoria, Australia

Westpac is Australia’s first bank and oldest company, one of four major banking organisations in Australia and one of the largest banks in New ZealandAs a Specialist Lending Review Manager, I performed pre credit reviews for both consumer and business lending deals of High Net Worth (HNW) clients. I coached and supported private bankers and lending analyst regarding credit policy and deal structuring. I regularly reviewed credit analysis from lending analyst including interpretation of… Show more Westpac is Australia’s first bank and oldest company, one of four major banking organisations in Australia and one of the largest banks in New ZealandAs a Specialist Lending Review Manager, I performed pre credit reviews for both consumer and business lending deals of High Net Worth (HNW) clients. I coached and supported private bankers and lending analyst regarding credit policy and deal structuring. I regularly reviewed credit analysis from lending analyst including interpretation of financial statements, tax returns, legal structures, guarantees, risk grading and security structures. Show less

London, United Kingdom

PCF Bank is a London based bank that provides consumer/SME asset finance, property finance, media/broadcasting equipment finance and personal savings. As a Senior Credit Analyst, I managed the non-flow asset finance transactions. As part of this process, I reviewed broker credit submissions for sole traders, SME's and companies. On a day to day basis I underwrote asset finance proposals in excess of £200k+. Furthermore, I presented credit proposals that were in excess of £500k or above… Show more PCF Bank is a London based bank that provides consumer/SME asset finance, property finance, media/broadcasting equipment finance and personal savings. As a Senior Credit Analyst, I managed the non-flow asset finance transactions. As part of this process, I reviewed broker credit submissions for sole traders, SME's and companies. On a day to day basis I underwrote asset finance proposals in excess of £200k+. Furthermore, I presented credit proposals that were in excess of £500k or above to credit committee. During my tenure at PCF Bank, I created a serviceability template that is now used by the credit department, trained 2 junior analysts and also assisted the collections department during COVID 19 for payment forbearances where existing exposure was in excess of £300k or above. Show less

Melbourne, Victoria, Australia

Angle Finance (previously known as Axsesstoday and a previous ASX listed financial services company) provides tailored financial solutions to commercial clients requiring hospitality or equipment finance. As a credit team leader, I manage a team of credit analyst and assist with their on-boarding, credit training, day to day credit assistance, review credit proposals outside their lending authority, review and resolve external and internal escalations.I review and perform weekly… Show more Angle Finance (previously known as Axsesstoday and a previous ASX listed financial services company) provides tailored financial solutions to commercial clients requiring hospitality or equipment finance. As a credit team leader, I manage a team of credit analyst and assist with their on-boarding, credit training, day to day credit assistance, review credit proposals outside their lending authority, review and resolve external and internal escalations.I review and perform weekly credit hindsight reviews to ensure adherence to the credit policy and quality assurance.I organise monthly catch ups, conduct individual development plans and provide mentoring for each credit analyst. Show less

Melbourne, Australia

Macquarie is an Australian multinational independent investment bank and financial services company. The Corporate Asset Finance division provides specialist asset finance solutions for motor vehicles and other equipment related to technology, healthcare and mining industriesI joined Macquarie Leasing as a key member of the due diligence team during the acquisition of Esanda Finance (ANZ Bank) which was acquired for $8.2b.I was accountable for a portfolio of wholesale/commercial… Show more Macquarie is an Australian multinational independent investment bank and financial services company. The Corporate Asset Finance division provides specialist asset finance solutions for motor vehicles and other equipment related to technology, healthcare and mining industriesI joined Macquarie Leasing as a key member of the due diligence team during the acquisition of Esanda Finance (ANZ Bank) which was acquired for $8.2b.I was accountable for a portfolio of wholesale/commercial clients in excess of $280m. I am responsible for providing counterparty credit risk recommendations to Macquarie's Risk Management Group. I performed monthly credit monitoring for every Victorian and Tasmanian dealer to ensure the business is performing profitability and detect any early signs of financial distressI provided day to day support for credit analysts within the team in ensuring correct validation of dealer credit limits, assessing new finance opportunities, conducting annual reviews and interim request in accordance with Macquarie's credit risk frameworks. Show less

Hawthorn East

Commonwealth Bank of Australia is an Australian multinational bank with businesses across NZ, Asia, US and the UK. It provides a variety of financial services including retail, business and institutional banking, funds management, superannuation, insurance, investment and broker services. Corporate Financial Services (CFS) group comprises of three teams including Corporate Banking, Wealth Management and Banking Specialists. Collectively, all divisions help manage cash flow and liquidity, fund… Show more Commonwealth Bank of Australia is an Australian multinational bank with businesses across NZ, Asia, US and the UK. It provides a variety of financial services including retail, business and institutional banking, funds management, superannuation, insurance, investment and broker services. Corporate Financial Services (CFS) group comprises of three teams including Corporate Banking, Wealth Management and Banking Specialists. Collectively, all divisions help manage cash flow and liquidity, fund expansion and build profitability.I co-managed a diverse portfolio of circa 25-30 commercial clients with an annual business turnover of $20m-150m) with complex financial needs.I provided ongoing relationship management for our clients and performed comprehensive credit analysis and debt structuring (ranging between $5m-$50m).I was made accountable for researching, analysing and developing a comprehensive database of client/industry specific information. Whilst conducting annual reviews and new business acquisitions, I performed financial modelling and analysis with key insights into the modelling based on the cash changes in a client's business. I was held responsible for writing credit loan applications and ensuring loans documentations were processed through to fulfilment and settlement. Show less

Mulgrave

BMW Financial Services offers a dynamic approach to finance and insurance productsI was responsible for BMW, Alphera and Alphabet Fleet dealer portfolio management (in excess of $1b). I provided comprehensive assessment for credit decision making of both financial (Balance Sheet, Profit & Loss, Net Cash Flow) and non-financial information (Property Valuation, Loan-To-Value, Veda Check). For commercial property credit applications, I conducted profit & loss forecasts… Show more BMW Financial Services offers a dynamic approach to finance and insurance productsI was responsible for BMW, Alphera and Alphabet Fleet dealer portfolio management (in excess of $1b). I provided comprehensive assessment for credit decision making of both financial (Balance Sheet, Profit & Loss, Net Cash Flow) and non-financial information (Property Valuation, Loan-To-Value, Veda Check). For commercial property credit applications, I conducted profit & loss forecasts, business case analysis, financial valuation models, trend/ratio and S.W.O.T analysis.I formed recommendations for credit proposals to Local and Regional Credit Committees (applicable for credit proposals in excess of $150m) Show less

Mulgrave

I provided assistance in sales and marketing support to both BMW internal partners and the dealer network.I was responsible for "Lead Generation Customer" contact by implementing a variety of marketing campaigns to generate interest and test drives for the dealer network. I also provided customer support to existing clients with insurance, driver training and finance contract enquires.

Exhibition Street

I provided financial services relating to consumer credit, personal loans, small business banking and mortgage applications (for loans <$500k AUD) for new and existing customers.I formed positive relationships with ANZ customers by providing an easy banking experience and excellent service that ensured their financial needs are identified and met. Through conducting comprehensive needs analysis, I identified opportunities that were value-adding for my clients.I was also made… Show more I provided financial services relating to consumer credit, personal loans, small business banking and mortgage applications (for loans <$500k AUD) for new and existing customers.I formed positive relationships with ANZ customers by providing an easy banking experience and excellent service that ensured their financial needs are identified and met. Through conducting comprehensive needs analysis, I identified opportunities that were value-adding for my clients.I was also made accountable for training two new staff members with account openings, My-tell operating systems and foreign exchange transactions. Show less

Exhibition Street

First point of contact for Small Business customers, with funds under management between $100-$500k.I identified and resolved customer queries relating to business loans, mortgages, insurance, financial planning and investment opportunities at first conversation. I analysed customer circumstances and offered practical and effective recommendations for improving their business and personal banking arrangements.

Assisted in the “Quality Care Pharmacy Practise” assessment process, resulting in successful re-accreditation.Provision of quality care in assisting customers with over the counter medications.Contributed to inventory allocation, recovery and stocktake.

Bachelor Of Commerce (B.Com.), Accounting And Finance

Activities and Societies: Monash University ASEAN Society RG 146 Compliant

Victorian Certificate Of Education

Activities and Societies: SRC