John Muller's Location
Greater Brisbane Area, Australia
John Muller's Contact Details
John Muller work email
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John Muller personal email
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About John Muller
Senior Credit Analyst with extensive experience in credit risk assessment, data modelling and industry research. Strong attention to detail with a “first time correct” attitude throughout the deliverance of meaningful financial modelling.
John Muller's Current Company Details
John Muller Work Experience Details
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Credit Assessment Specialist (Bank Finance)Racq Dec 2018 - PresentBrisbane, AustraliaResponsible for credit risk assessments of loan applications, review and decision policy exceptions and decision loan variations within Delegated Lending Authority and in line with agreed Service Level Agreements. Assuring that all loans adhere to regulatory requirements. Primary contact for deal discussions, negotiating loan terms and review of all credit related requests and queries. Provides advice and assistance to lending staff on credit policy and procedures relative to lending matters. Dealing with various internal stakeholders across the Bank. Coach lending staff regarding all credit related matters including deal structuring, compliance and meeting responsible lending obligations. Facilitating regular on-the-job training on lending, credit policy and processes.Supports Manager Credit Delivery with ongoing delivery of credit training programs and lender coaching. Also assisting with ongoing review of credit policy and recommendations to provide the best possible framework from a financial and risk perspective.
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Credit Analyst (Audit & Risk Department)Silver Chef Nov 2017 - Dec 2018Brisbane, AustraliaAssist with the risk management of the credit assessment function of the organisation. Undertaking detailed credit assessments and underwriting of submissions. Providing management with appropriate recommendations regarding the credit worthiness of applications and structuring of deals. Delegated Lending Authority held. Responsible for deal presentations to the Credit Committee and internal stakeholders as appropriate. Working in a collaborative manner with the Sales Team to ensure the best possible outcome for the organisation. Undertaking joint customer meetings and site visits with the Sales Team. -
Senior Lending ManagerFirstmac 2014 - 2017Brisbane, AustraliaResponsible for maintaining Commercial Asset Finance Risk & Credit policies and procedures. Recommend changes in the credit policy to Senior Management. Developing new policies as directed by Senior Management. Accountable for the credit granting process and assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of sales and bad debt losses. Building and maintain good work relationships between all stakeholders in the risk value & new business development chain. Assisted with assessment and approval of Consumer Auto Loan applications. Lending authority held for both commercial asset finance and consumer auto loans. -
Commercial AnalystGe Capital 2013 - 2014BrisbaneModelled cash flow forecasts, benchmarking, cost savings, debt restructures, collateral profiling. Build underwriting cases by performing analytical procedures on results, key business drivers, concentration risk and work in progress, providing key stakeholders with valuable insights.Supported the Sales Team by presenting and negotiating underwriting structures. Improved staff financial acumen by designing and presenting a cash flow presentation to GE Capital Sales Directors on cash flow forecasting, drivers and analysis. Making more meaningful mid-market customer engagement. -
Credit ManagerNational Australia Bank 2010 - 2013Brisbane, AustraliaManaged all aspects of commercial risk assessment, deal underwriting, negotiating lending terms, credit coaching, financial modelling while undertaking industry research. Responsible for identifying process improvement opportunities. Held delegated credit authority. Achievements:Drove sales and increased industry exposure to increase credit approvals by researching, designing and presenting to Sales Managers an industry report on Aviation including segmentation, key business drivers, benchmarking, aircraft types, uses, operating cost structures and industry risks. Improved internal risk assessment skills and capability by way of mentoring staff and designing & facilitating training sessions. -
Relationship ManagerBank Of Queensland 2008 - 2010Brisbane, AustraliaManaged and grow a portfolio of new and 60 established business customers across various industries. Responsible for all aspects of developing relationships, actioning customer requests, underwriting deals, negotiating facility terms and facilitating settlements. Engaged with various professional service providers including lawyers, accountants, commercial brokers. Achievement:Promoted to National Manager Commercial Broker Unit (secondment) for four months. Managed broker network relationships, driving new business and team sales targets, build underwriting cases and managed team work flows. Team achieved quarterly target. -
Business Lending AnalystBank Of Queensland 2006 - 2008Brisbane, AustraliaSupported Business Banking by underwriting credit submissions, completed reviews, facilitated settlements, customer meetings and managed work flow. Ensured all company policies, procedures and audit requirements are adhered to.Achievements:Developed an Excel model as a tool for staff to manage work flow and meeting settlement deadlines. Increased team productivity by mentoring junior staff resulted in improved competency, efficiencies, increased customer satisfaction and driving sales. Achieved portfolio growth by managing a complicated >$10 million settlement. Received recognition from BOQ Executive.
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Business Lending AnalystAnz 2005 - 2006BrisbaneSupported Franchise Banking with specialist franchise lending knowledge, product recommendations and underwriting deals. Facilitated customer meetings, settlements and undertaking reviews. -
Financial Risk AnalystAnz 2001 - 2005AucklandManaged industry research projects including benchmarking, segmentation and industry tracking analysis. Responsible for complex risk analysis, modelling financial ratios, financial statement consolidations, underwriting submissions and collateral profiling. Provided strategies to identify deteriorating credits and recommend appropriate action plans to Management.
John Muller Skills
Portfolio Management
Risk Management
Banking
Relationship Management
Financial Analysis
Credit
Finance
Strategy
Loans
Data Analysis And Financial Modelling
Cash Flow Analysis And Forecasting
Risk Analysis
Commercial Finance
Leadership
Financial Services
Funding
Industry Research
Credit Policy And Process Development
Results Driven
Analytical Reasoning
Relationship Building
Reporting
Project Management
Commercial Acumen
Interpersonal And Communication
John Muller Education Details
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University Of AucklandStrategy And Leadership -
Manukau Institute Of Technology (Auckland)Marketing & Management
Frequently Asked Questions about John Muller
What company does John Muller work for?
John Muller works for Racq
What is John Muller's role at the current company?
John Muller's current role is Credit Assessment Specialist at RACQ.
What is John Muller's email address?
John Muller's email address is jo****@****.com.au
What schools did John Muller attend?
John Muller attended University Of Auckland, Manukau Institute Of Technology (Auckland).
What are some of John Muller's interests?
John Muller has interest in Health.
What skills is John Muller known for?
John Muller has skills like Portfolio Management, Risk Management, Banking, Relationship Management, Financial Analysis, Credit, Finance, Strategy, Loans, Data Analysis And Financial Modelling, Cash Flow Analysis And Forecasting, Risk Analysis.
Who are John Muller's colleagues?
John Muller's colleagues are Chris Edds, Tobin Sawkins, Michelle Cerritelli, Amanda Z., Grant Ellis, Ze Xi Yin, Daniel Jans.
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