Lyn Kim Email & Phone Number

Sydney, New South Wales, Australia

• Overseeing entire credit functioning as well as track, communicate and draw insights from the performance of ongoing initiatives & be on top of all credit KPI’s through intensive monitoring
• Identify operational inefficiencies and manage the implementation of small scale change within the Credit function
• Created standard operating procedures and delivered training to credit personnel to improve operational efficiency
• Collaborated with staff to maximize customer satisfaction, streamline procedures and improve bottom-line profitability
• Providing in-depth detailed analysis of financial reports and calculate industry and credit risk
• Involve in daily discussion with senior BDMs & Head of Sales on scenarios & workshop potential applications prior to credit submission

Sydney, New South Wales, Australia

• Promoted to leadership position in recognition of strong work ethic and exceptional credit analysis skills
• Fostered positive employee relationships through communication, training and development coaching
• Worked with management to evaluate credit strategies and develop improvements
• Collaborated cross-functionally with sales, management and other departments to maintain effective operations
• Training & coaching staff to assess 'Prospa Plus/ Large Ticket' segment ($250K-$500K) unsecured cashflow lending and prepare in-depth analysis of financial reports and calculate industry and credit risk
• Part of Credit Committee member (committee also comprise of Senior Credit Adviser, CFO, Head of Risk, CEO etc) having authority to co-approve up to $500K unsecured lend

Sydney, New South Wales, Australia

• Coordinating the underwriting of unsecured commercial loan applications in the ‘Prospa Plus/Large Ticket’ segment ($150-$500K). A board mix of industries are represented in this segment, including (but not limited to.
• Providing in-depth detailed analysis of financial reports and calculate industry and credit risk
• Presenting deals to Credit Committee (CEO’s, CFO, Head of Enterprise Risk, Head of Risk etc) with a comprehensive understanding of the risk and associated mitigants in a given transaction, as well as providing a strong.
• Conduct telephone conference with clients and relevant stakeholders, e.g. Financial Controllers, to collect additional information relevant to the proposed transactions. Also utilized strong communication and.
• Liaising with senior members in other areas of the business, e.g. the Head of Customer Success and National Sales Managers to discuss scenarios and appeals
• Preparing clear, thorough and informative credit papers for each transaction

Sydney, New South Wales, Australia

• Performed credit analysis and underwriting on all new deals, renewals, maturities, modifications and verifies compliance with credit policy
• Presenting deals (up to $50m) to Credit Committee (General Manager, Head of Risk, CFO etc) with a comprehensive understanding of the risks and associated mitigants in a given transaction, as well as providing a strong.
• Independently performs in-depth and detailed financial analysis, underwriting, portfolio management and portfolio monitoring and credit risk components
• Assess and formally reviews client risk through periodic audits and credit file reviews
• Train and develop credit analyst and new staff and prepare detailed training module as well as provide on-going support
• Continuously monitors client financials/ relevant information to ensure compliance with loan policies and prepare monthly report to Credit Committee

Sydney, New South Wales, Australia

• Identified potential lending liabilities by analysing financial performance of, and credit risk in lending to individuals, small to medium businesses (SMEs)
• Strong loan structuring and financial analysis skills- ability to read, understand and analyse complex financial statements and corporate structures
• Held Delegated Lending Authority (DLA) up to $1.75m for new and existing Residential and Commercial loans from Broker/ Direct Channel
• Maintained strong relationship with various levels of sales, training, Broker/ Direct Channel
• Evaluated customer credit data to determine level of risk involved
• Received highest QA (Quality Assurance) score within the team through 3yr period

Sydney, New South Wales, Australia

• Providing in-depth detailed analysis of financial reports and calculate industry and credit risk
• Reviewed and conducted presentations to upper management & executive team (Loan Quality Team) for loan recommendations for deals over $1m (prior to sanctioning it off to Lloyds International)
• Delegated Lending Authority (DLA) up to $250K for all new & existing commercial asset finance deals
• Conduct annual review on existing clients and prepare reports to Senior Credit Management Team
• Engage in training and development of staff by consistently reviewing/ approving deals for other staff members and involved in daily training/mentoring
• Ability to develop key relationships with team members and other internal/external stakeholders

Sydney, New South Wales, Australia

• Conducted financial reviews of customer lines of credit by assessing company financials and initiating credit application reviews
• Held Deleted Lending Authority (DA) up to $1.5m (obtained DLA within 2mths) for all new/existing deals for Mortgage Sector (both Residential & Commercial) and DLA up to $250K for new/existing for Commercial Sector (i.e.
• Improved accuracy of all loans with ABL (Adelaide Bank Limited, now Bendigo & Adelaide Bank Limited) from under 20% to 90% within 6mths
• Presenting and discussing deals to Head of Risk with a comprehensive understanding of the risks and associated mitigants in a given transactions, as well as providing a strong recommendation on the proposed outcome and.
• Engaged in training and development of support staff consistently
• Solve challenging problems and ability to think outside the square