---
title: "Rachel Kim — Property Finance Analyst | RooLoans"
description: "Rachel spent 8 years in bank credit assessment before moving to independent financial analysis. She specialised in construction loan facilities at one of…"
source: RooLoans
sourceUrl: https://rooloans.com/authors/rachel-kim
lastUpdated: 2026-06-12
citationUrl: https://rooloans.com/authors/rachel-kim
---

# Rachel Kim

Rachel spent 8 years in bank credit assessment before moving to independent financial analysis. She specialised in construction loan facilities at one of…

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.

General Advice Warning: The information on this website is general in nature and does not take into account your personal circumstances, financial situation or needs. Before acting on any information, you should consider its appropriateness to your circumstances. RooLoans is not a financial adviser and does not hold an Australian Credit Licence. We connect you with licensed mortgage brokers who can provide personal advice.

© 2026 RooLoans. A Hustle Ventures product.

## About

## Professional Experience

## Key Achievements

## Publications

## Education & Qualifications

#### Calculators

#### Guides

#### Company

## Key Points

- Assessed $900M+ in construction loan applications across residential categories
- Developed construction loan risk scoring framework adopted by bank's Victorian retail division
- Repayment
- Interest During Build
- Total Cost ★
- Stamp Duty
- How Construction Loans Work
- Progress Drawdowns
- Interest During Build
- RBA Rate Hike: May 2026

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*Source: [RooLoans](https://rooloans.com/authors/rachel-kim)*