Current: For Australia and New Zealand:* Implementation Comprehensive Credit Reporting (CCR) and adoption of Repayment History Information (RHI) within the credit team * Research and provide proposals for credit policy updates * Manage the trial of new products for credit assessment enhancements * Develop new automation rules for technology enhancements* Identify efficiency gains through day to day and technology upgrades * Review, update and implement changes to regulatory requirements * Manage change releases with different teams * Develop and provide training to credit, sales, direct and QA teams * Implementation of new servicing calculator * Work with various internal teams to simplify credit application processes * Assist with internal and external auditors where needed Pre-Parental leave (Full Time): * Oversee 60 direct and indirect reports in Australia, New Zealand and Philippines* Development of Credit Cadetship program * Manage ongoing credit training and updating training materials * Heavily involved with technology building and development projects * Assist in the development of new Quality Assurance framework

Worked in an agile team and prioritised to deliver two main projects Launch of Pepper Money New Zealand: * Research New Zealand credit industry * Development of new credit assessment system * Onboarded NZ credit service providers onto system * Provided training on credit assessment Comprehensive Credit Report * Managed the release of Comprehensive Credit Report (CCR) within the business* Conducted training on CCR within the team * Assisted implementing CCR into QA framework * Subject Matter Expect of CCR for the business

Delegated Lending Credit Authority (DLA/DCA) $2,500,000Conforming & Non-conforming Lending Full Doc and Alt Doc loans Leading a team of 8 direct reports - Providing training, credit coaching to underwriters - Identifying underwriters for upskilling - Time management and prioritising - Releasing credit policy changes and current promotions particularly in White Label space Graduate of Pepper Leadership programEmployee of the Month - June 2017

Delegated Lending Authority up to $1,500,000 Lending in specialist industries primarily focused on medical professionals (Medico Finance)Residential Mortgages up to 90% Secured and 10% Unsecured No LMI

- Currently hold a DLA of $1,500,000 for residential mortgages and family pledge loans - Review mortgage applications from individuals, companies and trust borrowers - Assess income sourced from PAYG and Self Employed tax returns / financial statements - Liaise with third party banking- Prepare applications for Mortgage Insurance approvals - Write mitigations and ensure approval is compliant - Ensure customer application is in line with NCCP regulations- Communication and obtain further information where necessaryCredit Assessment Interface Design Competition - Winner (Team)Client Commitment Award - Winner

- Provide assistance to the Senior Mortgage Broker and Office Manager - Provide service to customers and potential customers - Follow up with lenders on loan status - Liaise with clients to gather relevant financial documents - Contact (phone/email) different lenders to run scenarios and confirm lending policies and restrictions - Prepare loan application package for submission to lender, ensuring the application checklist is complete - Collect and store client information into database and generate Credit Guide and Preliminary Assessments - Complete loan serviceability calculations - Write broker submission notes

Credit Analyst (Underwriter): - Assess loan applications and provide credit approval - Analyse financial statements, review assets and liabilities - Write mitigates and recommendations for application outside authority - Prepare submissions to Lenders Mortgage Insurer for approval - Queue management- Liaise with customers, brokers, solicitors/conveyancers, property valuers, other lending institutions and internal staff. - Investigate documents if suspected of fraud Brand Value "Passionate & Energetic" - Winner Direct Associate (Customer Service): - Won Newcomer of the year for customer service excellence in 2009 - Won Direct Associate (Employee) of the year for customer service excellence in 2010 - Initiated and managed department networking events - Followed the "First Call Resolution" model to provide customer service excellence. - Generate sales opportunities for savings and transaction accounts - Generate leads for home loans to the internal broker channel - Educate and promote Self Service to customers for internet banking and phone banking - Translated Cantonese and Mandarin calls to assist clients who do not speak English- Completed "Straight forward skills for success" course