Australia
- Conducted financial spreading, credit analysis, and risk assessments using Equifax, CreditorWatch and Alares data. - Supported the First Line Credit Quality Assurance team through policy checks, loan reviews, and NCCP compliance. - Gained exposure to credit modelling, including probability of default calibrations and key risk metrics. - Assisted in drafting credit papers and conducting analysis for lending activities such as loan originations, discharges, and compliance reviews. - Applied the 4 Cs of Credit (Character, Capacity, Capital, Collateral) when assessing deals, strengthening critical thinking and judgment in credit evaluation.