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

Prior to joining Medi Financial, Harold held senior banking roles across major Australian banks including ANZ, Commonwealth Bank, and St.George, where he specialised in healthcare and commercial banking. Through this experience, Harold developed strong expertise in structuring complex lending transactions, including commercial property finance, business lending, SMSF lending, and lending for medical professionals.

Harold works closely with medical professionals, business owners, and property investors to structure tailored lending solutions across multiple lenders. His approach focuses not only on securing competitive interest rates, but also on loan structuring, cash flow management, tax-effective debt structuring, and long-term wealth creation strategies.

Through Medi Financial’s partnerships with major banks, private banks, and specialist lenders, Harold is able to provide clients with access to a wide range of lending options and policy exceptions, particularly for medical professionals and complex self-employed clients.

Harold’s key areas of expertise include:

• Medical professional lending (doctors, specialists, dentists, pharmacists)

• Commercial property finance

• Business and cash flow lending

• SMSF lending and LRBA structures

• Complex trust and company lending structures

• Debt restructuring and refinance

• Equity release for investment and business purposes

• Loan structuring for tax and cash flow efficiency

Harold is known for his strong credit and structuring skills, detailed credit submissions, and his ability to work closely with lenders’ credit teams to achieve approvals for complex transactions.