Nicholas Szabo Email & Phone Number

Sydney, Nsw, Au

Norwood, South Australia, Australia

- Reviewing and assessing asset finance applications;- Work closely with the sales team, brokers and customers to obtain information for assessments;- Proficient use of Salesforce platform;- Monitor lending portfolio and perform collections activities;- Provide coaching and development for brokers;- Detailed financial analysis of PAYG and self-employed customers; - Detailed analysis of bank statements; - Exceptional communication and engagement skills with stakeholders and customers;- Ensure a high standard of compliance is maintained across the business;

Adelaide, South Australia, Australia

- Undertake review and analysis of residential loan applications, including PAYG and Self-Employed customers. - Provide detailed commentary that addresses all aspects of the application, including risk mitigants and exceptions to policy where appropriate.- Proficient use of Valex and Equifax systems, specifically ordering title searches and valuations, as well as credit checks and company search. - Manage high volumes of new and work in progress applications.- Act as a primary contact for applicant enquiries ensuring a high standard of engagement is maintained throughout the customer’s loan application journey. - Ensure all industry codes and legislation are understood and adhered to. - Proficient in DE and XAI origination platforms.

Sydney, New South Wales, Australia

Key Responsibilities: Conduct reviews of the design and effectiveness of key internal controls relating to the Aggregators oversight, governance and monitoring of mortgage brokers. Review scope:- New and existing broker on-boarding and accreditation process;- Broker licensing and industry memberships;- Broker development and training;- Responsible lending;- Broking monitoring and consequence management;- IT and system access controls;- Data security and privacy;

Australia

Key Responsibilities:- Review and analyse supporting documents for loan applications. This includes fact find/preliminary assessments, financial statements, valuation reports and title searches. - Provide commentary that supports risk mitigants and exceptions to policy where appropriate.- Sound and commercial decisioning of applications as a DLA holder.- Act as a primary contact for credit / application related enquiries for the organisation’s Home Finance Managers and Broker channel.- Ensure all documents and processes strictly adhere to both internal and industry lending and compliance standards.- Proficient in LendFast origination system.

Sydney, New South Wales, Australia

- Business analyst consultant to corporate financial institutions;- Reviewing and updating the compliance monitoring program;- Reviewing and maintaining risk and compliance frameworks, policies, and procedures;- Preparing risk and compliance reports for the Committees and senior management;- Develop and maintain risk registers, incidents, and breaches;- Engage with control owners and process owners to review existing processes, obligations and controls, and uplift the quality of Risk and Control Matrices to mitigate operational and prudential risks;- Maintain the remediation plans and continuous engagement plans with stream leads;- Improve control design to ensure all upstream controls are captured at the right point with minimal reliance on manual controls;- Track issues ensuring compliance with operational risk policies;- Understand operational and compliance risks inherent or emerging in a business area, to assess the level of risk, and to develop and execute plans to mitigate risk;- Facilitate workshops in the identification of risk with key stakeholders from across the business and supporting risk areas;- Document risk and controls within a matrix including writing undocumented controls with business SMEs;- Develop and delivery comprehensive training programme to stakeholders;

Sydney

Project Consultant to a Big 4 bank;- Conduct compliance assurance reviews to evaluate the design and operating effectiveness of the control environment;- Assist the first line in developing policies by initiating and reviewing and generally contributing to the improvement and enhancement of processes as well as risk culture;- Engage with control owners and process owners to review existing processes, obligations and controls, and uplift the of Risk and Control Matrices to mitigate operational and prudential risks;- Maintain the remediation plans and continuous engagement plans with stream leads;- Improve control design to ensure all controls are captured at the right point with minimal reliance on manual controls;- Track issues ensuring compliance with operational risk policies;- Compliance support for broker network;- Act as a SME for NCCP;

Sydney, New South Wales, Australia

Project Consultant to a Big 4 bank.- Engage with control owners and process owners to review existing processes, obligations and controls, and uplift the quality of Risk and Control Matrices to mitigate operational and prudential risks.- Maintain the remediation plans and continuous engagement plans with stream leads.- Improve control design to ensure all upstream controls are captured at the right point with minimal reliance on manual controls.- Track issues ensuring compliance with operational risk policies.- Understand operational and compliance risks inherent or emerging in a business area, to assess the level of risk, and to develop and execute plans to mitigate risk. - Facilitate workshops in the identification of risk with key stakeholders from across the business and supporting risk areas - Document risk and controls within a matrix including writing undocumented controls with business SMEs.

Sydney, New South Wales, Australia

Initial consultation with the business to explain risk context relative to industry standards as well as the scope and planning of the initial risk assessment;Identify, analyse and classify key sources of risk internally and externally through systematic review;Evaluate and devise a treatment plan for each risk;Design a risk and compliance framework that includes effective control, ongoing monitoring and periodic review of risks.Compile test scripts for business self assessment programme.Provide management with instructional guidance/training when adverse risk and compliance results are detected to assist them in rectifying any procedural gaps or non-compliance.

Sydney, Australia

Key Responsibilities: - Support, monitor and advise brokers across all risk and compliance matters.- Promote and uphold a strong compliance culture through coaching and education of brokers.- Identify and monitor regulatory changes, standards and internal policies, ensuring that all requirements are clear and understood by all stakeholders.- Undertake risk and compliance activity i.e. approval of marketing materials, file reviews, investigations, risk assessments and managing license requirements.- Risk assessments include careful review of all supporting documentation to ensure compliance with internal policy and external legislation (NCCP/Responsible lending, privacy) and to also aid in the detection of potential fraud events.- Ensure that regulatory requirements applicable to credit representatives and licensees are clear and unambiguous and that impacts for non-compliance are controlled, reported and managed.- Present to external stakeholders on key compliance requirements and best practice.- Work collaboratively with lenders when potential risks among brokers are identified.

Adelaide, Australia

Keylend is an Australian owned and operated business and full member of the Mortgage and Finance Association of Australia (MFAA). Based in South Australia with representation nationally, Keylend is backed by KeyInvest, a financial services and retirement living organisation that has been caring for the welfare of its members for over 130 years.Keylend specialise in:- Residential Home and Investment lending- Commercial finance- Lease and Equipment- General Insurance

Adelaide, Australia

Initial consultation with the business to explain risk context relative to industry standards as well as the scope and planning of the initial risk assessment; Identify, analyse and classify key sources of risk internally and externally through systematic review;Evaluate and devise a treatment plan for each risk; Design a risk and compliance framework that includes effective control, ongoing monitoring and periodic review of risks.Compile test scripts for business self assessment programme. Provide management with instructional guidance/training when adverse risk and compliance results are detected to assist them in rectifying any procedural gaps or non-compliance.

Adelaide, Australia

Coordinate and conduct branch, lending and corporate audits;Table review findings that include keys issues, trends and recommendations; Compile and present training materials that address key compliance areas and knowledge gaps; Provide technical advice on compliance policies and processes as well as external legislative requirements;Actively promote a culture of continuous improvement in risk and compliance across the business;Regularly review and recommend enhancements to the audit programme to ensure it meets / addresses the current and evolving risks of the business;

Sydney

First line risk function for ANZ Private Banking.Compliance and Credit Risk Review of ANZ Private Bank lending portfolio nationally; This involves hindsight reviews of credit submissions to ensure adherence to ANZ Group Credit Principles, internal lending policy and 'responsible lending' requirements. Hindsight reviews also require strong credit assessment and analytical skills of personal and business financial statementsTable Risk Review findings, keys issues, trends and recommendations via half yearly Quality Assurance reports. Produce training presentations / materials that address key compliance areas and knowledge gaps and present to the business. Develop and enhance Quality Assurance review framework to ensure ongoing compliance with internal and external policies and regulatory requirements. Deliver audit programme within agreed budget; Proactively lead a culture of continuous improvement in risk and compliance across the business. Be a key contact point for queries relating to credit risk and compliance policies and processes.Developed and conducted pilot of credit risk compliance programme in Private Bank Asia.

Melbourne, Australia

Monitoring and Management of credit portfolio within Private Bank; Judgement and programmed / scorecard based credit assessment of credit applications; Develop and present initiatives to the business to help build and implement an efficient lending risk function to support the business’ strategy.Ensure the business has the lending skills to perform at an optimum level to meet and exceed client expectations and enhance client experience by identifying, developing and implementing training regime across the business. Pro-actively identify opportunities to enhance and standardize lending processes. Ongoing contribution to and development of the Private Banking Business Writing Strategy to align with the evolving risk appetite of the organization.Exercise sole Credit Approval Discretion (CAD) up to $7m.

Melbourne, Australia

Managing a portfolio of high net worth clients which involved understanding and developing client relationships and providing banking, wealth and investment solutions. Meet assigned sales revenue targets; Grow portfolio through client acquisition from referral partners and existing clients; Liaise with and refer clients to product, investment and financial planning specialists; Provide advice on wealth and investment products and strategies;Provide coaching and support to junior staff; Ensure ongoing professional development; Ensure ongoing adherence to regulatory, internal and audit compliance policies;Strong credit writing and deal structuring skills.

Sydney, Australia

Managed a portfolio of small business enterprise customer groups which involved understanding and developing business relationships and providing banking and finance solutions. Provided advice on business products and financing solutions. Ensured ongoing adherence to regulatory, internal and audit compliance policies. Met assigned sales revenue targets and grew portfolio through customer acquisition from referral partners and existing customers; Cross selling opportunities with related business units that included merchant services, credit cards, international banking, risk and investment specialists.Conducted annual reviews of customer groups which included strong credit writing, deal structuring and financial analysis skills (business and personal financial statements).Provided coaching and support to junior staff to ensure ongoing professional development and improved output.

Sydney, Australia

Overall operation of the branch including sales, business development, and service excellence amongst team members. Provided banking and lending solutions to customers; Identifying and effect cross selling of products and services to referral partners which include merchant services, credit cards, international banking, risk, investment and financial planning specialists.

Diploma, Mortgage Broking And Finance

Certificate Iv, Finance And Mortgage Broking