David Pham Email & Phone Number

Melbourne, VIC, AU

Mulgrave, Victoria, Australia

• Delegated Lending Authority (DLA) held of up to $2,000,000.
• Assessing complex self employed applications including sole traders, trusts, companies and partnerships by analysing financial reports and tax returns.
• DLA 1-2 trainer with a proven record of implementing a training program that provides the framework for trainees to succeed in achieving their delegation.
• Coached multiple Credit Analyst around how to improve their assessment quality and efficiency.
• Construction loan delegated.
• Maintaining strong relationships and building rapport with business development managers and state team leaders to workshop complex applications.

• Responsible for checking loan documentation, invoices, and supporting documents for accuracy and completeness to enable settlement for a range of personal and commercial asset finance loans.
• Working under pressure to prepare entries and accounts for disbursement of funds for asset finance purchases and associated costs, whilst ensuring approval conditions are met and all policy requirements are adhered to.
• Using excel to perform risk and credit financial analysis to ensure loan buffers are not exceeded and to minimize the risk of fraudulent transactions.
• Adhering to strict AML, NCCP, and Banking code of practice legislation to ensure the group is not exposed to potential breaches.
• Liaising with several internal and external stakeholders such as legal, risk, credit, sales, and brokers ensure a timely and efficient settlement.
• Trained and developed new starters across Novated Leases, Chattel Mortgages and Consumer Loans.

• Expertise in Business Superannuation, Investment and Mature Products and Insurance Products.
• Handle general customer enquiries such as processing contributions and aiding customers in withdrawing their super.
• Identify growth and retention opportunities and transfer to the direct team for conversion.
• Senior team member and responsible for being on help desk and answering difficult questions and taking over escalations.
• Assisted financial planners in preparing their statement of advices for their clients.

Diploma Of Finance And Mortgage Broking Management, Mortgage Brokering

Bachelor Of Commerce - Bcom, Financial Planning And Services

Activities and Societies: Commerce Society, DUSA, Futsal Society and participated in the Business Internship ProgramGraduated with a.

Vce

Obtained my VCE certificate and completed subjects including Mathematical Methods (CAS), English, Economics, Business Management, Legal.