Harold Jin is a Partner at Impala Financial with over 17 years of experience in the banking and finance industry, specialising in commercial lending, business finance and complex lending structures.

Prior to joining Impala Financial, Harold held senior banking roles with major Australian banks including ANZ, Commonwealth Bank and St.George, where he worked across commercial and professional banking. During this time, he developed extensive expertise in structuring complex lending transactions, including commercial property finance, business lending, SMSF lending and lending for self-employed professionals.

Harold works closely with professionals, business owners, investors and self-employed clients to deliver tailored lending solutions across a panel of more than 50 lenders. His approach extends beyond securing competitive interest rates, with a strong focus on loan structuring, cash flow management, tax-effective debt strategies and long-term wealth creation.

Leveraging Impala Financial's relationships with major banks, private banks and specialist lenders, Harold is able to identify tailored lending solutions for clients with complex financial circumstances, including business owners, investors and self-employed professionals.

Harold's areas of expertise include:

• Commercial property finance

• Business lending and cash flow solutions

• Residential lending

• SMSF lending and LRBA structures

• Complex trust and company lending

• Self-employed and professional lending

• Debt restructuring and refinancing

• Equity release for investment and business purposes

• Loan structuring for tax and cash flow efficiency

Harold is recognised for his strong credit and structuring expertise, detailed credit submissions and ability to work closely with lenders' credit teams to secure approvals for complex lending scenarios. His strategic approach and attention to detail have earned him the trust of clients seeking tailored finance solutions for both their personal and business goals.