Kiri Le Claire

Oversaw a high-value portfolio of small businesses, using financial analysis to support lending decisions and deliver practical solutions for customers facing financial pressure.

• Analysed P&Ls, balance sheets and cash flow to assess business viability and repayment capacity.
• Assessed repayment variations, restructures and hardship requests, preparing recommendations for approval.
• Identified emerging financial risk and intervened early to protect customer and lending outcomes.
• Reviewed complex business circumstances and translated financial information into clear recommendations.
• Partnered with business owners, accountants and credit teams to resolve complex lending matters.
• Maintained strong portfolio performance while meeting risk, compliance and service standards.

Managed a portfolio of government debt accounts, assessing financial circumstances, negotiating repayment arrangements and progressing overdue accounts through recovery.

• Reviewed financial statements, income, expenditure and payment history to assess repayment capacity.
• Negotiated repayment arrangements and monitored accounts against agreed schedules.
• Assessed requests for revised payment terms and prepared recommendations based on financial circumstances.
• Managed arrears, defaults and escalated recovery matters through to resolution.
• Investigated complex accounts, identified issues and determined appropriate recovery action.
• Maintained accurate case records and documented recommendations, actions and outcomes.

Managed small business loan accounts from arrears through to recovery and legal action.

• Administered a portfolio of small business accounts in arrears and default.
• Assessed account conduct, financial position and repayment capacity.
• Negotiated repayment arrangements and monitored agreed commitments.
• Coordinated default, pre-legal and legal recovery processes.
• Prepared recovery recommendations for higher-risk accounts.
• Liaised with customers, solicitors and internal recovery teams.