David Phan Email & Phone Number

Australia

Melbourne, Victoria, Australia

Commercial Asset Finance

London, England Metropolitan Area

Assessed credit applications using data driven analytics using multiple data sources including, but not limited to, bank statements, company accounts and credit agency reports. Products include flexi-loans, term loans and government backed loans (CBILS/RLS) up to £750k.Collaborated with Tech and Analytics to improve systems and scorecard to enable faster and more accurate decisions. Lead analyst in introducing a new underwriting methodology to the team during covid to… Show more Assessed credit applications using data driven analytics using multiple data sources including, but not limited to, bank statements, company accounts and credit agency reports. Products include flexi-loans, term loans and government backed loans (CBILS/RLS) up to £750k.Collaborated with Tech and Analytics to improve systems and scorecard to enable faster and more accurate decisions. Lead analyst in introducing a new underwriting methodology to the team during covid to better adapt to the challenges presented. Show less

Angle Finance (formerly Axsesstoday) Commercial Asset Finance• Manage and support the hospitality credit team to meet set KPIs and metrics in SME lending• Manage credit risk and appetite in line with company policy• Develop policies and procedures for implementation in line with industry changes• Review credit submissions and make recommendations to the Credit Committee Board• Prepare month end reports on financial and operational performance for… Show more Angle Finance (formerly Axsesstoday) Commercial Asset Finance• Manage and support the hospitality credit team to meet set KPIs and metrics in SME lending• Manage credit risk and appetite in line with company policy• Develop policies and procedures for implementation in line with industry changes• Review credit submissions and make recommendations to the Credit Committee Board• Prepare month end reports on financial and operational performance for stakeholders• Prepare weekly credit hindsight reports to ensure strict adherence to policies and procedures• Manage relationship and escalations with introducers Show less

360 Collins St

Commercial Asset Finance (Hospitality and Transport) • Assess risk and underwrite new credit submissions for commercial asset finance within Delegated Lending Authority (DLA)• Make recommendations to approve loan applications outside of DLA• Industries include Hospitality, Transport, Franchise, Health, Fitness and Beauty• Products include operating leases, chattel mortgages, business loans and business purchases• Financial analysis on financial statements and cashflow… Show more Commercial Asset Finance (Hospitality and Transport) • Assess risk and underwrite new credit submissions for commercial asset finance within Delegated Lending Authority (DLA)• Make recommendations to approve loan applications outside of DLA• Industries include Hospitality, Transport, Franchise, Health, Fitness and Beauty• Products include operating leases, chattel mortgages, business loans and business purchases• Financial analysis on financial statements and cashflow analysis on bank statements• Ensure assessment and approval is in line with current legislation and company policy Show less

• Conduct a credit analysis and make recommendations on closed-end and revolvingproduct applications including secured and unsecured loans and Credit Cards • Correct recommendations of applications within delegated authority (DA) • Make recommendations where applicable to higher delegated authorities (DA) • Build strong relationships with stakeholders by providing service within determined SLA’s and a positive customer experience• Discuss and clarify… Show more • Conduct a credit analysis and make recommendations on closed-end and revolvingproduct applications including secured and unsecured loans and Credit Cards • Correct recommendations of applications within delegated authority (DA) • Make recommendations where applicable to higher delegated authorities (DA) • Build strong relationships with stakeholders by providing service within determined SLA’s and a positive customer experience• Discuss and clarify decisions with stakeholders and resolve accordingly in line with policy & procedure• Adherence to policy & procedure and relevant legislation Show less

• Managing Debt Sales Administration Unit (DSAU) and Loss Recoveries Centre(LRC) administrative correspondence • Execute scheduled Fortnightly Forward Flow Sales and Inventory Sales on an ad-hoc basis • Dealing with internal and external stakeholders on daily basis • Executing adherence to policy, compliance and other legal requirements • Executing compliant escalations in respect to LRC, Sold accounts and/or debt buyers. • Executing day-to-day operations of Debt Sale… Show more • Managing Debt Sales Administration Unit (DSAU) and Loss Recoveries Centre(LRC) administrative correspondence • Execute scheduled Fortnightly Forward Flow Sales and Inventory Sales on an ad-hoc basis • Dealing with internal and external stakeholders on daily basis • Executing adherence to policy, compliance and other legal requirements • Executing compliant escalations in respect to LRC, Sold accounts and/or debt buyers. • Executing day-to-day operations of Debt Sale Administration Unit (team responsible for managing and administering daily operations and obligations under debt sale agreements) • Review and respond to LRC financial counsellors/debt administrator requests including hardship, debt waiver assessment and recommendation Show less

Bachelor Of Commerce (B.Com.), Accounting

Bachelor Of Arts (B.A.), Psychology