
Ifra Iqbal
Habilidades

Revisa mis servicios


Experiencia laboral
Lending Officer
Finance Expert • Tiempo completo
Jan 2026 - Present • 7 mos
• Evaluate consumer and business loan applications end-to-end, assessing applicant background, serviceability, and security position, and presenting lending recommendations to credit decision-makers. • Prepared formal credit memoranda for credit committee review across diverse transaction types, including business debt consolidations, asset finance, and franchise acquisitions. • Conduct in-depth bank statement analysis, constructing multi-account consolidated cash flow statements with internal transfer elimination, DSR/NSR metrics, and serviceability scenario modelling; including complex engagements spanning 15+ bank accounts. • Apply New Zealand regulatory and credit frameworks, including CCCFA lender responsibility requirements, Centrix credit bureau analysis, GSA security interests and LVR assessment. • Deliver monthly shareholder management reporting and designed an automated reporting system replacing manual data extraction from finPOWER Connect, improving timeliness and consistency. • Own the institution's recurring portfolio and arrears reporting suite: default management, operations management, debt collector performance, repossessed assets, and bad debts reporting. • Administer loan account creation and maintenance within finPOWER Connect, and perform bank reconciliations and accounts payable processing in Xero. • Developed a loan application platform with AI-assisted credit assessment capability, strengthening the institution's digital lending workflow.