Berwick, Victoria, Australia
18 + years worth banking experience working in 2 different countries in different financial organizations functioning in different roles where all of my work was centralised around end customer satisfaction. Highly successful, creative, outcome based, compliant Mortgage Broker who settled more than $400M worth commercial, residential lending during the last 5 financial years with lending spanning across more than 20 different lending institutions. A mentor who would love to assist peers to achieve success by sharing knowledge.
As the owner of MoneyQuest franchise Berwick, I do assist my clients to achieve their financial goals. I engage in residential, commercial loans and asset finance as well as personal loans to my value added clients. With more than 19 years’ worth experience in the financial industry, I am the ‘go to’ person when it comes to financial solutions. I service my client base from a panel that’s got multiple lender solutions to fit any scenario and I pride my hard yards to maintain customer satisfaction and make their financial dreams and goals become true.
Involvement in Finalising complex Home, Investment and Commercial lending for RAMS customers under the own RAMS credit representative agreement. If not suitable, assisting the clients through CHOICE, the other financial institution agreement. Training and mentoring junior lenders in the franchise to successfully perform the role. Conducing weekly individual scorecard sales meetings and mentorship meetings. Completely achieving the settlement target by writing new business through own circle of influence, referral partners. Marketing the RAMS/ CHOICE panel of lenders and their product knowledge within local communities, organising business events, participation in local network activities and sponsoring local events. New lending settled for FY 2018-2019, $57M. Lenders utilised - RAMS, ANZ, CBA, Bank Of Melbourne, Westpac, Suncorp, Latrobe Financial, Pepper, Liberty, Macquarie, Bankwest, Westpac, NAB, ING, Firstmac,Resimac,ME,Choice Lend, REDZED lending. The 'go to person' when it comes to compliance and policies and procedures in different banks.
Involvement in driving sales targets of more than 100 staff across the district with the entire portfolio of ANZ retail products. Trained staff to deliver end to end complex home and investment lending across the entire district. Mentored all sales staff in the district to perform their role to deliver sales targets. Acted as the governance manager for the entire district to look after the 10 branches when needed to fulfil the coaching, compliance matters. Implementation of new strategies and modifying existing strategies for sales and compliance. Shadowed staff to completely achieve target by writing new business from outside the branch, from own circle of influence, referral partners. Trained the district staff to drive business by identifying cross referral opportunities to financial planners, business bankers and personal bankers. Marketed the entire ANZ retail product range within local communities to generate new business by organising business events, participation in local activities and sponsoring local activities. Acted as the custodian for customer complaints. Introduced the ANZ retail product range to businesses via local presentations, seminars.
Involved in finalizing complex home and investment lending across Berwick and Pakenham branches. Trained and mentored all junior lenders in the Dandenong district branches to successfully perform the lending role. Acted as the sales and governance manager on secondment for the entire district to look after the 10 branches when needed to fulfil the coaching, compliance matters of more than 100 staff and to drive the sales activities of the entire district by implementing new strategies and modifying existing strategies. Completely achieved target by writing new business from outside the branch, from own circle of influence, referral partners. Driving branch business by identifying cross sell opportunities to other partners such as financial planners, business bankers and personal bankers. Marketed the entire ANZ branch product range within local communities to generate new business by organizing business events, participated in local activities and sponsoring local activities.
Acted as the subject matter expert for home and investment lending across Southland and Mentone branches. Fulfilling a target of $4.770 million worth of home and investment lending on a monthly basis. Involved in a needs based conversation with all customers that had a lending need and fulfilled share of wallet through successful lending and cross sales such as financial planning, commercial referrals, insurance needs etc. Trained branch staff to proactively find opportunities to lend. Mentored new lenders to get up to speed and also to build up the confidence in handling customers. Business development activities and utilizing circle of influence to the fullest potential to bring more new dollar value in lending and all other banking needs of the customers to ANZ. Handled complex loans driven by trusts, companies, partnerships etc. Used the fluency in other languages such as Sri Lankan to attract more customers to the organization.
Portfolio size, 50 + client groups each worth AUD$200000.00 lending. Allowed to grow revenues of an assigned portfolio of business banking customers by effectively managing, developing and retaining quality business relationships. Acquired high quality new business relationships. Proactively delivered an appropriate suite of products and services in response to customer needs, both domestically and internationally. Upheld credit policies and maintained a balanced approach to risk management. Preparation of annual customer reviews for approval. Excellency in drawdown, rollover, cancellation of debt products such as bank guarantees and advances.
Loan structuring and recommendations, client meetings, submitting applications and ultimately was responsible for the settlement of the submissions in a timely manner. Provided support and built effective relationships with clients and dealt with inquiries. Collection of payments by direct debit and processing of cheques. Preparation of discharge instructions and payout figures. Processing withdraw requests. Making changes/ amendments to the loan details. Preparation and issue of management fee invoices and participation in review meetings. Involvement with retail product partners to cross sell other key banking products.