1. Kim Zegenhagen: January 2015
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RESUME
Kim Gregory Zegenhagen
Home address: 10 Norman Street, Rozelle,
New South Wales, 2039, Australia.
Postal address: P.O. Box 1671, Rozelle
New South Wales, 2039, Australia.
Home Phone: 02 9810 0660
Mobile Phone: 0413 805242
E-mail (home): zegenhagenkim@gmail.com
SUMMARY
My key attributes are the following;
 Experienced manager - Extensive management and supervisory experience.
 Highly competent credit analyst, risk assessor and financial accountant.
 Strong financial literacy.
 Budgeting, cash flow control and accounts payable control.
 Strong commercial focus combined with a professional interest in the assessment of
commercial/corporate risk.
 Strong business analysis skills developed in designing and implementing an
electronic underwriting system.
 LMI claims and claims legal related experience.
 Well experienced in the training and development of staff.
 Accept responsibility for decision making.
 Work well under pressure.
 Committed to meeting all deadlines.
 High degree of skill in liasing with public.
 Enjoy learning new tasks.
 Diverse work experience.

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EDUCATION
1980 - 1984
Bachelor of Business (Accounting Major).
Swinburne University of Technology – Melbourne, Victoria.
(Degree was done whilst working full time for the years 1980-1983 then studied
full time in 1984).
2000 - 2002
Diploma of Financial Advising
Securities Institute of Australia.
301 Understanding the Finance and Investment industry Distinction
303 Understanding the Financial Advising Industry High Distinction
405 Stock Market and Products Distinction
E410 Financial Planning and Wealth Creation Distinction
415 Superannuation Administration Distinction
E511 Superannuation and Wealth Protection Credit
501 Managing and Marketing Financial Services Credit
515 Risk Management and Insurance Products Credit
(Above was done studying part time at nights).
Other training;
Internal courses at ANZ, BoM, and RSA including;
 Corporate finance,
 Negotiation skills,
 Marketing,
 Various computer courses,
 Financial awareness and leadership courses.

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WORK HISTORY
August 2013 to December 2014 (in conjunction with TMIC below).
MGIC Australia Pty Ltd
Finance Manager and Company Secretary.
Key tasks and responsibilities:
 Prepare monthly, quarterly and annual financial results for use by MGIC group
financial services.
 Manage all accounts payable functions.
 Budgeting and cash flow control.
 Ensure that compliant accounting practices meet US GAAP and local regulatory
requirements.
 External link to company’s external audit program and actuarial review.
 Work with MGIC group internal audit on support evaluation program.
 Provide all documentation to external tax accountants.
 Management of data for board and all regulatory meetings.
 Company contact for supply of corporate data to regulatory bodies including:
o Corporate reporting to ASIC.
o Compliance report management to APRA
o Assessments- ATO
 85% of the tasks of this position with MGIC was transferred to head office in
Milwaukee, USA as at 30/9/14 so my position in Australia was made redundant.
September 2004 to June 2014.
The Mortgage Insurance Company Pty Ltd (TMIC).
Financial Accountant and Claims Officer 2008 to 2014.
Key tasks and responsibilities:
 Overall control of all accounting functions of the company.
 Prepare monthly profit & loss, balance sheet, statistical and statutory reports for
board and senior management.
 Prepare and record all journal entries and trial balance entries on a monthly basis.
 Prepare all reconciliations.
 Arrange payments of all invoices.
 Liaise with money markets of four major banks for investment and rollover of
large cash term deposits.
 Liaise with external and internal auditors on all financial matters.
 Prepare and submit all monthly, quarterly and annual statutory returns to APRA.
 Liaise with lenders regarding all claims and arrears files. Also liaise with
solicitors on legal matters for claim files.

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WORK HISTORY (cont).
Specialist Risk & Underwriting 2004-2008.
Key responsibilities:
 Functional design of underwriting platform /tools.
 Implementation of tailor made electronic underwriting system. Liaise with
computer programmers.
 Maintenance and on-going design and testing of Approval to Insure (ATI) system
and process mechanisms. Ensure compliance with risk mitigation and database
details.
 Training of operatives (both internally and externally) as to TMIC LMI
philosophy and techniques with customer acceptance on key underwriting issues.
 Maintain and tailor key credit parameters and models for all products and lenders.
 Oversee correct application of credit platform and accurate tracking of
settlements/income etc.
 Research credit drivers, economic changes/impacts, regulatory amendments, or
market needs for alteration to key policies, documents and agreements with
Operations Manager.
 Ensure audit/compliance function is operating to company requirements.
 Responsible for provision of day to day service levels to entire customer base.
June 2003 to September 2004.
Resimac Ltd
Senior Underwriter- Credit Department.
Key responsibilities:
 Assess loans from Mortgage Originators to determine if applications will be funded
by Resimac.
 Responsible for servicing many of the highest volume and most important Mortgage
Originators. This involves discussing with them with all issues and queries they have
and making sure they are kept up to date with any changes in Resimac policies and
procedures.
 Meet all service standards.
 Assist junior staff with policy issues and difficult loan applications.
 Liaise with Compliance, Variations and Settlement staff to ensure all these areas
operate smoothly.
 Make recommendations to Associate Director Risk Management when changes to
policy and procedures are considered prudent.

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WORK HISTORY (CONT).
1995 - 2003.
Royal Sun Alliance Australia (later Promina Ltd).
RSA Lender’s Mortgage Insurance (RSALMI).
2002 - 2003
Credit Specialist
I was promoted to this position in recognition of my credit risk assessment skills and the
need of the company to position a senior person in this important role.
Responsibilities:
 Report directly to Head of LMI.
 Development of credit and lending policies, procedures and processes.
 Liaising directly with senior personnel from preferred customer base.
 Development and maintenance of profitable and flexible lending platforms.
 Master agreement preparation.
 Undertake all tasks as the Business Analyst of the divisions’ computer system.
 Design parameters for ‘User Acceptance Testing’ of computer system upgrades and
enhancements.
 Fully implement testing procedures.
 Analyse and discuss results with business systems/technical staff.
 Determine and recommend procedures and changes to computer systems.
1995 - 2002
Senior Underwriter and Team Manager.
 Joined company in October 1995 as underwriter in the Melbourne office.
 Promoted to Senior Underwriter in the Brisbane office from April 1996 to June 1997.
 In June 1997 I was promoted to Head Office in Sydney. In this position I had 6 staff
reporting to me as Team Manager of this division of the company.
 Main areas of responsibility were;
- Financial assessment of proposals received for specified lenders.
- Provide support and make recommendations on matters of credit policy and
procedures when necessary.
- Enhance relationships with clients and promote integrity.
- Develop highly trained staff.
- Meet agreed turn around deadlines.
- Assess suitability of properties as security for insurance proposals.
- Approve deals up to $750,000.

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WORK HISTORY (CONT).
1989 - 1995
Bank of Melbourne
Sept 1994 - Oct 1995.
Manager Personal Business.
Responsibilities:
 Source and interview high net worth and /or self employed customers requiring
personal and/or business finance.
 Document and approve loans.
 Attend to on going requirements of customers regarding lending and deposit products.
June 1989 - Sept 1994.
Account Executive Commercial Banking
Employed at commencement of commercial banking division.
Responsibilities:
 Responsible for building up loan portfolio of small to medium sized business loan
accounts
 Approve loans; manage portfolio and debt recovery (if necessary).
 Liaise with branches, customers, and referral sources of loans
 Develop and assist junior staff.
 For a couple of months I worked as Business Analyst on a team for the
implementation of a new lending computer system.
1979 - 1988
Australia and New Zealand Banking Group Ltd.
Variety of positions from clerical to management which are summarised below:
Aug 1987 - Feb1988.
Manager Corporate Funding, Esanda Finance Corporation.
Responsibilities:
 Managed Esanda’s short-term money market requirements.
 Invested cash surpluses and raised short-term borrowings both within Australia and
overseas.
 Discretion to set interest rates on short term deposits up to $5M.

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 Analysis of funding alternatives using net present value and capital asset pricing
techniques.
Jan 1986 - Aug 1987.
Manager Corporate Banking
 Analysis of financial reports and preparation of lending applications for approval by
senior management.
 Customer liaison on full range of corporate banking services and products.
Nov 1984 - Jan 1986.
Senior Personnel Officer.
Responsibilities:
 Assisted senior management with integration of ANZ and Grindlays
 Assessed people for variety of management positions within Australia and overseas.
February 1984 - November 1984
Completed final year of Bachelor of Business degree full time at Swinburne University
of Technology. I had previously studied for 4 years part time whilst working full time.
February 1979 - February 1984.
Variety of tasks from teller to manager’s assistant.
Interests and other matters.
Snow skiing, bushwalking, bike riding, gymnasium and reading. Also do twice monthly
volunteer work on a bush regeneration project near home in Balmain.