-Credit Analyst within Portfolio Management property finance team.-Functioning as a analytical support to multiple relationship directors located in NSW, ACT, and QLD across Westpac and subsidiary brand St George Bank. -Managing a individual portfolio of 20 clients with a collective exposure of +$750m in debt facilities. Single connection exposures vary from $15m - $150m. -responsible for conveying creditworthiness of Groups to key internal stakeholders via credit memos/papers for new lending transactions. -responsible for maintaining compliance with respect to annual review of groups and maturing facilities. -experienced with structuring of property investment and C&D transactions. -Responsible for liaising and negotiating with key stakeholders on both frontline and second line of defence, to achieve mutually favourable outcomes. -responsible for determining risk grading of connections and sub-groups. -responsible for drafting appropriate conditions and covenants applicable to facilities.

Commercial/business banking property Assistant Relationship Manager and Analyst specialising in Property Finance. The role includes working closely with Senior Relationship Managers and Directors to complete property investment and development financing between $5m - $50m in lending. From transaction origination and structuring through to formal approval, execution and settling my team delivered outcomes that achieved the most desired outcome for clients. As part of my role skills developed and specialised within the following:-Debt origination and syndication -Structuring-Cashflow, risk, financial reporting and analysis -Credit submissions and negotiations-Maintaining and strengthening client relationships-Reviewing portfolios to sustain performance and creditworthiness

Working part-time alongside case managers to assist them with their insolvent clients. Familiar with The Bankruptcy Act, being trained in liaising with AFSA in the lodgement of Part XI's, X's and debtors partition.

•Conducted research into the British Virgin Islands new economic substance legislation. Advised senior associate by an internal memorandum of relevant changes which affected clients current and future compliance.•Conducted research into restrictive covenants and their effect within and on planning law. Advised partner by an internal memorandum of effect to our client, a developer. •Conducted negotiations with tenants within a shopping precinct. Including but not limited to; lease renewals; and, market review; and, alternative dispute resolutions; and granting of incentives. •Drafted letters on behalf of a partner to advise a Body Corporate on an internal dispute. •Conducted research on the distribution of assets within a deceased estate and advised senior associate. •Conducted research and advised both an associate and client, who was acting as a charity regarding the disposal of assets and their tax obligations. •Advised an associate by an internal memorandum of the client’s obligations within an option agreement. •Advised a partner, by an internal memorandum and subsequently an ASX listed client through a letter, of their obligations that arose from a deed of settlement. •Release of mortgages on behalf of private clients. •Advised partner as to client’s rights which had been created through lease contracts. •Advised partner as to the discussion paper amendment changes within the Body Corporate and Community Management Act 2019 and subsequent Standard Module Regulations.

Completed a corporate finance internship, under the supervision of acting Cheif Financial Officer (CFO) Grant Harrison. Experience included: debt structures, preparing audit statements, forecasting cash flows as well as profits, asset procurement and legal counsel for a high-rise development on Hedges Avenue on the Gold Coast. Sunland Group is one of the largest property development companies in Queensland listed on the ASX.

Completed an internship, post graduating grade twelve high school for a one month. I learnt vital laws and compliance regulations regarding insolvency industry from a financial perspective. Furthermore I gained insight into the various documents surrounding the bankruptcy profession.