- Andrew Brien has successfully completed the Diploma of Finance and Mortgage Broking Management from the National Finance Institute, receiving a perfect score of 100% across his four assignments. - His assignments covered topics like loan applications, risk assessments, and recommendations. The assessor provided positive feedback and comments on each assignment, praising the comprehensive nature of Andrew's work. - Andrew received full marks on all four assignments, with the assessor noting his work was among the best they had seen and demonstrated an experienced level of knowledge in the field.

1. The National Finance institute
PO Box 1354, Capalaba Business Centre, Qld 4157
Office 1300 765 400 Facsimile 07 3822 6003
enquiries@financeinstitute.com.au
6t h February 2014 www.financeinstitute.com.au
Andrew Brien
PO Box A2431
South Sydney NSW 1235
Dear Andrew,
It is with pleasure that I advise that you have successfully attained your
Diploma of Finance and Mortgage Broking Management from The National
Finance Institute. Your certificate and transcript are enclosed.
Your final results were as follows:
Assignment 1: 20/20
Assignment 2: 20/20
Assignment 3: 30/30
Assignment 4: 30/30
Course average: 100%
Congratulations on this result and please don't hesitate to contact us if you
require any further assistance.
Kind regards,
Peter Heinrich
Managing Director
The National Finance Institute Pty Ltd
End

2. Results of Assignments
This page is for NFI Office Use ONLY Trainee Name: Andrew Robert Brien
FNS50311 Diploma of Finance and Mortgage Broking Management
Name of Assessor: Peter Stannard Date Marked 24/01/2014
ASSIGNMENT 1 Mark 20 / 20
Assessor's Comments: Following the 7 headings in the assignment the following
comments are made:
1. Borrower Details Criteria Met Trust identified.
2. Loan Purpose Criteria Met You could mention why the current lender has not
been approached. It's the first question a lender
thinks of when assessing an application, so you
are better to address it, simply saying that the
zoning is outside the existing Bankers current
policy.
3. Facility Details Criteria Met Term is accurate. It is unlikely that a lender would
want to commit too long a term until the rezoning
is finalised.
4. Serviceability Criteria Met
5. Risk Assessment
Including
Security
Criteria Met This may be acceptable as outlined, but given that
there is reliance on the real estate business for at
least some of the rent and all of the guarantors'
income, it is most likely that a lender would want
to secure the cash flow from this source as well.
Most probably by way of GSI but possibly a
guarantee only would suffice. Very sound risk
identification and discussion / mitigation.
6. Recommendation Criteria Met
7. Attachments Criteria Met
Additional or Overall Comments If Applicable. Tlis is a comprehensive application. The only
constructive feedback I can provide is that property deals like this often have the W.A.L.E calculated
by tenants and by rent. It is not in the course material, but stands for Weighted Average Lease Expiry
and the name is self explanatory. Provides an idea of term of the likely rental reliability. The term of
the loan is often linked to the remaining WALE and is usually calculated by the valuer and included in
the valuation.
ASSIGNMENT 2 Mark 20 / 20
Assessor's Comments: Pre Meeting List of Requirements and Post Meeting
Correspondence to Client: Criteria Met
First class fact find and letter to the prospective customer. One of the best that I have
marked. Presentation and spelling was also correct which is rare.
Following the 7 headings in the assignment the following comments are made:
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3. Results of Assignments
l. Borrower Details Criteria Met Correct borrower identified.
2. Loan Purpose Criteria Met Excellent you mentioned the seed capital as well
as the internal hiring. Both these were important
as the private debt will be repaid in two years and
free up additional cash flow. The internal hiring
also explains where the cash flow will come from
to service the loans.
3. Facility Details Criteria Met Information included was correct. (48 months,
GST refunded, zero balloon.)
4. Serviceability Criteria Met
5. Risk Assessment
Including
Security
Criteria Met Noted as met as the information was correct in
the client submission. However, proposed security
was not actually listed in the lender submission.
That is;
• The Goods (Trucks and Trailer)
• Directors' Guarantees
• Guarantee from Henman Holdings Pty Ltd
as Trustee for the Henman Discretionary
Trust.
Risk discussion sound although you could discuss
the goods. Make, model, secondary market etc.
6. Recommendation Criteria Met
7. Attachments Criteria Met
Additional or Overall Comments If Applicable. Also good work.
ASSIGNMENT 3 Mark 30 / 30
Assessor's Comments: Criteria Met
ASSIGNMENT 4 Mark 30 / 30
Assessor's Comments: Criteria Met
All assignments, but particularly assignments 3 and 4 were most comprehensive and
amongst the best that 1 have marked. The work is clearly that of an experienced lender.
Often the assignments from experienced individuals are barely sufficient to demonstrate
competency. Some would regard this as an indication of their professionalism. However, in
this case considerable time and effort has gone into the work for which you should be
commended and congratulated. Thank you.
Result: Competent
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