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Experience
- 2017 - Present
Founder | Director
Bernie Lux
Founded Bernie Lux in 2017, driven by a vision to create a positive global impact through effective capital management.
Our core mission is to allocate capital to areas of greatest need while delivering exceptional returns for investors. Initially, our operations centred around a proprietary fund.
Expanded our services to include a range of consulting offerings:
- Providing expertise in financial modelling and crafting capital stack documents for property developers.
- Offering financial modelling, interest and drawdown schedules, credit paper writing, and specialized commercial lending support, including due diligence and market research for private lenders.
- Offering downloadable Excel templates for property development projects, including construction feasibility models and interest schedules.
- Providing financial modelling and strategic guidance for businesses across various sectors, including technology and resources.
- Conducting research on financial markets and devising investment strategies encompassing stocks, ETFs, debt instruments, and more.
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Founder | Director
Swift Delivery & Removals
Successfully launched and operated Swift Delivery & Removals as my inaugural business venture, serving clientele in both Adelaide and Melbourne.
Specialized in the transportation and storage sector, offering relocation services for businesses transitioning offices and individuals moving their household belongings to new residences.
Achieved a commendable reputation for unwavering reliability and service excellence, ultimately leading to the successful sale of the business.
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Senior Investment Analyst
Balmain Commercial Mortgages
- Excelled in a Senior Investment Analyst role at Balmain Commercial Mortgages, Australia’s largest non-bank commercial lender, specializing in commercial real estate debt funding.
- Proficiently managed numerous complex debt deals across diverse property types, including residential, office, industrial, and specialized assets, offering various funding solutions such as senior, stretch senior, mezzanine, and preferred equity.
- Played a pivotal role in conducting feasibility modelling, drafting credit papers, and reviewing legal documents while fostering strong relationships with key stakeholders, including valuers, solicitors, clients and their CFOs, private lenders, and investment funds.
- Contributed to the financing of land acquisitions, investment properties, construction, development, and residual stock loans, gaining a rooted understanding of the commercial real estate lending landscape.
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Investment Analyst
Kamara Group
- Served as an Investment Analyst at Kamara Group, a Sydney-based boutique investment firm renowned for its specialization in providing debt and quasi-equity funding to the resource sector, encompassing Mining, Oil, and Gas.
- Contributed to Kamara Group’s mission, gaining invaluable experience in the resource sector’s financial landscape during my tenure.
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Investment Analyst
Commonwealth Bank of Australia
- Transitioned into the finance sector, gaining valuable experience at the Commonwealth Bank of Australia, where I gained exposure to the full spectrum of retail banking services.
- Specialized in lending and debt recovery during my tenure, contributing to the bank’s financial services offerings for retail clients.
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Mining Industry
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- Commenced my career in the mining industry, gaining expertise in drill and blast techniques, production management, mine planning, and exploration drilling.
- Operated within both surface and underground mining operations, spanning a range of minerals and resources.