Property Development & Construction

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Working Capital & Trade

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SMSF

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Equipment

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Cash Flow Forecast

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Property Development & Construction ~ Working Capital & Trade ~ SMSF ~ Equipment ~ Cash Flow Forecast ~

My Background

I have spent almost 25 years in the finance industry specialising in Business, Commercial, Equipment, SMSF and Property Development and Construction Finance. I bring big four bank experience to your business having worked previously as a Commercial Banker, Private Lending experience and 15 years’ experience as a Broker, so I understand your challenges and the complexity deeply.

Relationship Manager, Payton Capital  

  • Credit Risk Assessment and responsible for writing credit papers for consideration and decisioning by the Investment Committee.

  • Writing the SIMs (Investment Memorandums) for approved deals presented to prospective investors.

  • Supporting the Relationship Director with borrower and introducer management.

  • Maintaining data integrity of customer files, the CRM and compliance.

  • Dealing with internal stakeholders which included the investment committee, credit and risk, compliance, investor services teams and supporting the broader business services teams.

  • Managing external stakeholders that included valuers, quantity surveyors, advisory consultants and legal counsel.

  • Business Development and Sales. 

Commercial and Business Finance Consultant (Self-Employed), The Business Finance Hub

  • Creating Financial Forecasts (Cash Flow, Profit and Loss, Balance Sheet).

  • Writing Credit Proposals, Credit Risk Assessment and Business/Financial Analysis for SMEs that deal directly with banks and for other Mortgage and Finance Brokers for their clients.

  • Responsible for Business Development and Customer Relationship Management.

  • Extensive experience in Working Capital and Trade Finance.

  • Coaching and Mentoring Residential Mortgage Brokers that are growing into the Business and Commercial Lending market.

Commercial and Business Finance Broker (Self-Employed), Dirigo Group

  • Responsible for Business Development and Customer Relationship Management.

  • Writing Credit Proposals, Credit Risk Assessment, Business/ Financial Risk Analysis, Cash Flow Forecasting and Business Planning for SME Borrowers.

  • Dealing with Commercial Bankers, Credit Assessors, Private and Non-Bank Lenders on behalf of customers.

  • Clients consisted of Trading Businesses across a variety of Industries and Sectors, Property Development and Property Investment.

  • Extensive experience in Working Capital and Trade Finance.

Centre Manager Brisbane North – Labour Hire and Recruitment, Workpac Group

  • Responsible for running the company’s Business Centre.

  • Responsible for the Profit & Loss; setting budgets and achieving budgets.

  • Responsible for Workplace Health and Safety both office and on-site.

  • Lead a team of Business Development Managers, Recruiters, Administration Officers, and On-Site Labour Hire workers.

  • Clients consisted of both small and large Private Businesses to Corporates such as ASX 50 construction, mining, maintenance companies and

    government departments.

Co-Founder, General Manager (Self-Employed), Summit Tower Hire

Summit Tower Hire is a specialist hirer of Truck Mounted Elevated Work Platforms and manages equipment across Australia, employing 24 people with small branches in key mining regions of Central QLD and the Hunter Valley NSW. Equipment and Labour supplied to ASX 100 listed companies in the sectors of: Mining, Energy, Infrastructure, Non-Residential Construction and Renewable Energy.

  • Researched, developed, and constructed a successful business plan which led to commercially feasible business being started.

  •  Commenced business with 2 employees and no equipment to employ 23 people and have a fleet of 8 trucks and 4 on order within 18mths.

  • Lead the business in the acquisition of a competitor in the first 6mths of trading Lead Business Development and Marketing Strategies.

  • Registered Vendors/Suppliers to largest mining companies within Australia within first 6mths of trading. These included: Rio Tinto, BHP Billiton, Xstrata Coal, Anglo American Coal, Macarthur Coal both in QLD, WA & NSW.

  •  Registered Vendors/Suppliers to largest contract services companies within Australia within first 6mths of trading. These included: Monadelphous, G&S Engineering, Downer EDI Mining nationally, Vestas Registered Vendors/Suppliers to largest Energy Infrastructure companies within Australia within first 6mths of trading. These included: Downer EDI Engineering, John Holland, Balfour Beatty United Group nationally.

  •  Lead business in negotiating key supplier contracts for truck acquisitions, servicing agreements and parts with multinational organisations such as Scania (Sweden & Australia), Mercedes (Australia), Bronto (Finland & Australia).

  • Developed and Negotiated Employment Contracts with operational staff.

  • Developed and Lead business in formulating and setting financial budgets, detailed market analysis for business development.

Relationship Manager – Commercial Banking, Westpac Banking Corporation

  • Commercial Banker for SMEs across various industries and sectors including Property Development and Investment.

  • Writing Credit Proposals, Credit Risk Assessment and Business/Financial Analysis.

  • Responsible for Business Development, Customer Relationship Management and Portfolio Management.

  • Dealing directly with Credit Managers and Credit Analysts.

  • Working in partnership with specialist bankers, loans processing teams and local branch networks.

  • Extensive experience in Working Capital and Trade Finance.

The Benefits of partnering with me.

By outsourcing your credit application writing to me, you'll experience these key benefits:

  1. Maximise Your Time and Income: Focus on what you do best—building client relationships and closing deals—while I handle the time-consuming process of credit application preparation.

  2. Elevate Your Submissions: Impress lenders with professional, detailed, and compelling applications that stand out from the competition.

  3. Accelerate Approvals: Streamline the process, increasing the speed of approvals and getting your clients the funding they need more quickly.

  4. Significantly Increase Approval Rates: My expertise leads to improved success rates, helping you close more deals and grow your business.

  5. Support: Don’t feel overwhelmed thinking you are doing it on your own. We are a team; I work for you and with you to support your business in achieving your goals. Cover when you want to or need to take leave.

Transform your business today!

If you are motivated and wanting to maximise your time, income and work/life balance then I would love to partner with you.

Let’s connect and discuss how you can reach the next level of success!

Broker Support Services

Whether you need help with the full application process or just need some work completed to free up your time and keep your deal progressing.

You are in control, so solutions can be tailored to suit you and what you need.

  • Let me help you work out if you have a deal or not based on the initial fact find with your client. From there you can progress to circulating a High-Level Discussion Paper to multiple lenders to assess their appetite for the deal while you wait for the client to provide the supporting information.

  • Why not bring the market too you. A high-level discussion paper can be circulated to multiple lenders at the same time to garnish support early from credit. The you can progress to the Full Submission once you shortlist the lenders that want to do business.

  • This stage is normally the time-consuming part of the process; analysis and assessing all the information and writing the credit paper for submission.

    Let me help you present the best case for you and your client to the bank while you have the time to find more deals.  

  • Let me help you work out the feasibility of your construction deal and what the funding table looks like so that you can present to your borrower and to form part of your discussion paper or full submission. I can use my templates or yours.

  • It can be time consuming reading valuation reports, understanding the risk and then presenting the commentary for your submission.

    Let me help you understand the valuation report and write about and present the risk you are asking the lender to take.

  • The devil in the detail is important with a QS report as this can affect your feasibility and funding table and identifies multiple risks that may or may not require further mitigation. This can take time to read, digest, understand and then write the commentary on.

    Let me help you do the heavy lifting when it comes to reviewing the QS Report and making the required changes to feasibility and funding tables.

  • Understanding what the financials say about your client’s business can make or break your deal. It’s not just about Profit and EBITDA.

    Analysis of the financials is also a way to uncover additional lending opportunities for your client and more so a better understanding of their business, so you become their trusted advisor.

    Let me help save you time using my financial analysis tools and expertise in explaining how the financial performance of your client’s business operates.

  • This can often be time consuming, particularly if you are assessing multiple lenders as options.

    Let me help you with crunching the numbers while you use your time finding more income and deals.

  • Are you spending way too much time at your computer just entering data into your aggregator and lender software and not finding the next deal.

    Let me help you with the data entry while you focus on making more money.

  • I have 20 years of experience building financial forecasts for businesses to help them make more informed decisions and to assist with finance applications and explaining why a lender should back your customer.

    From my experience, as a broker being able to add these additional services for your customer provides another income stream over and above your commission on the deal.

    If you have a deal that needs a cash flow forecast, let me help you while you spend your time finding the next deal.

  • Sometimes deals can stall because you are busy finding the next deal and your customer is simply dragging their heels.

    Let me help you manage this part of the process while you are finding more new deals. I can be your Business Analyst that you employ to support you and your clients.

  • Most of the hard work is done but this is still a time consuming part of the process.

    Now it’s a matter of managing clients, settlement officers from lenders, lawyers and other lenders being refinanced etc so that you can get the deal settle and your commission paid.

    Let me help you and your clients manage this process as the Support person you employ in your business to manage this process while you find the next deal.