ITB Finance is established with the core vision of contributing to the financial wellbeing of clients, their families and communities, by helping to keep their finances "In The Black." Whatever your personal or business goals are, we will work alongside you to navigate a pathway to achieve them. Drawing on a combined 20 years of personal and business banking experience and leveraging a network of related professionals, ITB Finance is committed to helping you realise your dreams.Jay, founder and director of ITB Finance was born in Fiji, bred in Australia and is a long suffering Carlton (Blues) supporterWith extensive experience obtained from working in Corporate and Retail finance with the major banks in Australia, Jay has a thorough understanding of lending policy, including Cash Flow lending, Commercial and SMSF property lending. Business savvy in commercial and private lending is what enables Jay to challenge the "status quo" faced by clients in this ever changing financial market and enables him to tailor financial solutions to his customer's unique needs. Jay combines his passion and drive for finance along with his energetic and professional approach to help people achieve their financial objectives offering a broad range of straight forward and hassle-free solutions.Jay holds a Diploma of Finance and Mortgage Broking and is a member of the MFAA (Mortgage & Finance Association of Australia), as well as AFCA (Australian Financial Complaints Authority) an external dispute resolution scheme for customer protection.