Rachel Kim
Property Finance Analyst
CPA, Cert IV Finance & Mortgage Broking
About
Rachel spent 8 years in bank credit assessment before moving to independent financial analysis. She specialised in construction loan facilities at one of Australia's Big Four banks, where she assessed over 1,500 construction loan applications and gained deep knowledge of lender requirements, drawdown processes, and the specific risks banks associate with owner-builder and custom home projects. She now applies that insider perspective to help consumers understand construction finance.
Areas of Expertise
Professional Experience
Analyses construction loan products from 30+ lenders using CDR API data. Builds and maintains comparison models, calculators, and state-specific grant guides for RooLoans.
Assessed 1,500+ construction loan applications totalling $900M+. Developed internal risk scoring framework for owner-builder facilities.
Audit and advisory for property development clients. Built financial models for residential project feasibility studies.
Key Achievements
- Assessed $900M+ in construction loan applications across residential categories
- Developed construction loan risk scoring framework adopted by bank's Victorian retail division
- CPA Australia award for highest-scoring candidate in Strategic Management Accounting module (2016)
Publications
- Construction Loan Default Risk: Lessons from Owner-Builder Facilities Australian Banking & Finance Magazine, 2023
Education & Qualifications
Articles by Rachel Kim
- Australia's $450B Building Boom: Shortages & Opportunities for Builders Australia's $450B construction boom faces a 90,000-worker shortage by 2026. Big opportunities await builders who can secure labour and manage demand. 25 April 2026
- Middle East Conflict Skyrockets Aussie Building Material Costs Middle East tensions are pushing Australian building material costs up to 36% higher for diesel, cement, and steel, squeezing builder margins nationwide. 24 April 2026
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