Credit Risk Specialist
Current
Aug 2018 - Present
AeroLeads people directory · profile
Sandy Bone Email & Phone Number
Credit Risk Specialist
at
APRA
1 work email found
@apra.gov.au
LinkedIn matched
✓ Verified May 2026
4 data sources
Profile completeness 100%
Current company
Role
Credit Risk Specialist
Location
Greater Sydney Area, Australia, Australia
Company size
Who is Sandy Bone? Overview
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Quick answer
Sandy Bone is listed as Credit Risk Specialist at APRA, a company with 781 employees, based in Greater Sydney Area, Australia, Australia. AeroLeads shows a work email signal at apra.gov.au and a matched LinkedIn profile for Sandy Bone.
Sandy Bone previously worked as Senior Manager, Retail Credit Services, RBWM Risk at Hsbc and Lending Manager - Retail Credit Decisioning Third Party Channel at Commonwealth Bank Of Australia. Sandy Bone holds Bachelor Of Arts (B.A.), Politics/Sociology from Flinders University.
Company email context
Email format at APRA
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{first}.{last}@apra.gov.au
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AeroLeads found 1 current-domain work email signal for Sandy Bone. Compare company email patterns before reaching out.
Profile bio
About Sandy Bone
Sandy Bone is a Credit Risk Specialist at APRA. They possess expertise in credit assessment, staff management, staff development, mortgage lending, consumer lending and 12 more skills.
Listed skills include Credit Assessment, Staff Management, Staff Development, Mortgage Lending, and 13 others.
Current workplace
Sandy Bone's current company
Company context helps verify the profile and gives searchers a useful next step.
Apra
7 roles · 34 years
Sandy Bone work experience
A career timeline built from the work history available for this profile.
Senior Manager, Retail Credit Services, Rbwm Risk
Hsbc
Reporting to Head of RBWM Risk Main Duties/Responsibilities: Management - DirectConduct performance appraisal for direct reports on a semi annual basisCoach and develop all reporting staff Mentor all credit staffRecruitment of full time and temporary staff Management of 30 staff, Oversight to 45 staff offshoreTechnicalLoan assessment/approval of loans.
Dec 2014 - Aug 2018
Lending Manager - Retail Credit Decisioning Third Party Channel
Commonwealth Bank Of Australia
Reported to State Manager Third Party Distribution - RCDMain duties/Responsibilities:Management - Direct Conduct performance appraisals for all reporting staffCoach and develop all reporting staff Mentor all credit staff Recruitment of full time and temporary staff Management of 12 staff Technical Loan assessment/approval of loans within my delegation of.
Sep 2013 - Dec 2014
Associate Director/Lending Manager, Macquarie Mortgages
- Mortgage Lending
- Management of 55 staff, 4 Team Leaders across Mortgages Lending, Mortgages Lending Support and Mortgage Broker Relationship Support
- Loan assessment/approval of loans within my delegation of $2m
- Assess, recommend and prepare submissions to Risk Management Group for loans outside of my delegation
- Deal structuring and reviewing of decline recommendations
- Coach and develop all reporting staff
Jan 2011 - Sep 2013
Associate Director/Credit & Risk Manager - Macquarie Investment Lending
- Investment Lending
- Loan assessment/approval of loans within my delegation of $5m
- Assess, recommend and prepare submissions to Risk Management Group for loans outside of delegation
- Deal structuring and reviewing of decline recommendations
- Create a credit policy framework that effectively managed credit risk
- Review credit policy in line with market dynamics
Jan 2005 - Jan 2011
State Lending Manager - Macquarie Mortgages
- Mortgage Lending
- Responsible for day to day management of Perth/Adelaide offices ensuring that service standards are within agreed timeframes
- Conduct performance appraisals, coach and develop all reporting staff (varied between 8 and 13 staff)
- Identify and implement operations training needs
- Loan assessment/approval of loans within delegation
- Assess, recommend and prepare submissions to RMD for loans outside of delegation
Aug 1996 - Jan 2005
Lending Officer
Bank Of Sa
- Loan assessment/approval of loans within delegation
- Assess, recommend and prepare submissions to Management for loans outside of delegation
- Deal structuring and reviewing of decline recommendations
1992 - 1995
~3 yrs
Team & coworkers
Colleagues at APRA
Other employees you can reach at apra.gov.au. View company contacts for 781 employees →
AG
Annemaree Gray
Colleague at Apra
Canberra, Australian Capital Territory, Australia, Australia
View →
GY
Gloria Yu
Colleague at Apra
Greater Sydney Area, Australia
View →
VW
Vince Wilson
Colleague at Apra
Greater Sydney Area, Australia
View →
AG
Arun Gupta
Colleague at Apra
Gurgaon, Haryana, India, India
View →
IS
Ivana Smith
Colleague at Apra
Greater Sydney Area, Australia
View →
SW
Shirlin W.
Colleague at Apra
Greater Melbourne Area, Australia
View →
AM
Aegis Man
Colleague at Apra
Sydney, New South Wales, Australia, Australia
View →
MO
Mark Orman
Colleague at Apra
Australia, Australia
View →
JD
John Dow
Colleague at Apra
Greater Sydney Area, Australia
View →
SB
Sara Burns
Colleague at Apra
Sydney, New South Wales, Australia, Australia
View →
Annemaree Gray
Colleague at Apra
Canberra, Australian Capital Territory, Australia, Australia
View →
GY
Gloria Yu
Colleague at Apra
Greater Sydney Area, Australia
View →
VW
Vince Wilson
Colleague at Apra
Greater Sydney Area, Australia
View →
AG
Arun Gupta
Colleague at Apra
Gurgaon, Haryana, India, India
View →
IS
Ivana Smith
Colleague at Apra
Greater Sydney Area, Australia
View →
SW
Shirlin W.
Colleague at Apra
Greater Melbourne Area, Australia
View →
AM
Aegis Man
Colleague at Apra
Sydney, New South Wales, Australia, Australia
View →
MO
Mark Orman
Colleague at Apra
Australia, Australia
View →
JD
John Dow
Colleague at Apra
Greater Sydney Area, Australia
View →
SB
Sara Burns
Colleague at Apra
Sydney, New South Wales, Australia, Australia
View →
2 education records
Sandy Bone education
Bachelor Of Arts (B.A.), Politics/Sociology
Education record
Westminster School
FAQ
Frequently asked questions about Sandy Bone
Quick answers generated from the profile data available on this page.
What company does Sandy Bone work for?
Sandy Bone works for APRA.
What is Sandy Bone's role at APRA?
Sandy Bone is listed as Credit Risk Specialist at APRA.
What is Sandy Bone's email address?
AeroLeads has found 1 work email signal at @apra.gov.au for Sandy Bone at APRA.
Where is Sandy Bone based?
Sandy Bone is based in Greater Sydney Area, Australia, Australia while working with APRA.
What companies has Sandy Bone worked for?
Sandy Bone has worked for Apra, Hsbc, Commonwealth Bank Of Australia, Macquarie Group, and Bank Of Sa.
Who are Sandy Bone's colleagues at APRA?
Sandy Bone's colleagues at APRA include Annemaree Gray, Gloria Yu, Vince Wilson, Arun Gupta, and Ivana Smith.
How can I contact Sandy Bone?
You can use AeroLeads to view verified contact signals for Sandy Bone at APRA, including work email, phone, and LinkedIn data when available.
What schools did Sandy Bone attend?
Sandy Bone holds Bachelor Of Arts (B.A.), Politics/Sociology from Flinders University.
What skills is Sandy Bone known for?
Sandy Bone is listed with skills including Credit Assessment, Staff Management, Staff Development, Mortgage Lending, Consumer Lending, Margin Lending, Default Management, and Credit.
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