Leadership/Credit Assessment/Loan Variation/RestructureResponsibilities• Lead and develop team members to engage with customers, performing assessment on submissions for ‘Capitalisation Solutions’ (Loan Variation/Restructure)• Provide training and coaching to agents in credit analysis • Maintain compliance with statutory regulations by applying a strong understanding of APS 220 (Credit Risk Management)Achievements • Attained an ‘Exceptionally Managed’ risk rating in the most recent annual review (FY22/23)• Elevated teams Self-Employed assessment skills from non-compliant to compliant• SME for multiple projects across Home Buying, Customer experience and Hardship Simplification

Credit Assessment/SME/Facilitation/Compliance/RemediationResponsibilities• Credit assessment, exercising Lending Delegation ensuring internal and third party applications are suitable for customer needs• Case manage broker applications from application to settlement• Maintain compliance with statutory regulations by applying a strong understanding of APG223 Achievements• Entrusted with the role of ‘Credit representative’ for PWC Internal Audit• Given the responsibility to create and lead ‘Banking Code of Practice' training sessions for AMP Bank Ltd teams• Chosen as the SME & Tester for Automated Credit Decision Project (Apply Online)• Numerous recognitions received from brokers and Senior BDM’s for exceptional service

Credit Assessment/SME/Facilitation/Instructional Design/ComplianceResponsibilities• Lending Training Instructional design and facilitation of Lending Training• Manage and resolve disputes relating to credit decisions• Credit assessment/approval under delegation/complex submissions to board of directors• Maintain compliance with statutory regulations by applying a strong understanding of APG223 Residential Mortgage LendingAchievements• Designed and developed secured and unsecured training programs for new and existing sales agents.• Given the responsibility to facilitate Lending Training to all sales staff across the business

Compliance/Dispute Management (IDR & EDR)Responsibilities• Management of compliance obligations for the 3 member divisions of the Credit Union• Lending and customer on-boarding audit• Management of customer disputes (IDR & EDR)Achievements• Assisted in update of Credit Policy & procedures to reflect directive from APRA’s responsible lending guide APG 223 (Residential Mortgage Lending)• Effectively conducted reviews of 3 new websites across the member divisions of the Credit Union, ensuring regulatory compliance prior to publication

Credit Assessment/Lending CoachResponsibilities• Credit Assessment, exercising Delegated Lending Authority for secured and unsecured products• Lending coach Achievements• Developed training and assessment modules for Branch managers aspiring to achieve unsecured Delegated Lending Authority• Entrusted with training and assessing Branch Managers for unsecured Delegated Lending Authorities

Responsibilities- Key Account Relationship management (Lion Beer Wine & Spirits)- Workflow management- Process Improvement- Promotions Management – Concept/Brand Parameters /Quality Control- Writing and submission of promotional Terms & Conditions to Office Of Liquor & Gaming NSW/ACT- Ensuring promotional activity adheres to Office of Liquor and Gaming legislation, N.S.W & A.C.T- Business DevelopmentAchievements- Developed online workflow and quotation systems resulting in increased workflow efficiencies, data security, and customer relationship management.- Migration/Installation of digital print system from old (Silverwater) site to new premises in Port Macquarie, resulting in increased production efficiencies from newly created and dedicated print area. - End to end running of major promotions such as Heineken Australian Open and XXXX Island Promotions.

Responsibilities- Commercial Collections Process- Key Account Relationship Management- Managing a team of 5 Direct reports with $300m in leasing contracts under direct management- Proactive identification of process improvement opportunities, and ownership of improvement implementation- Quality of Invoice Templates & contract amendment forms, production, amendments and frequency of delivery- Data quality, and management of electronic storage for customer sensitive information and correspondence post settlement- Presentation of team performance to Senior Executive team (including CFO, Sales Managers and “Heads Of”) on a weekly and monthly basis- VCAT, QCAT, CTTT tribunal matter management and Company representation- Dispute Resolution (IDR & direct dealings with EDR, e.g. COSL, VEDA, FOS)- Cross functional Collaboration – Sales, Asset/Portfolio Management, Sales Support, Settlements, Data Entry- Credit approval, recommendation- Negotiation of fees with customersAchievements- Interim Manager Consumer Collections for Vendor relationships; Apple, Dell, and Honda while hiring new Consumer Team Leader – 6 months- Recognition Award received in February 2012 for managing both Consumer & Commercial teams and achieving >150% of target across both teams and setting new Commercial delinquency record in Feb 2012- Successful drafting, running and sign off of Test Cases specific to business function for Windows 2010 Migration- Assisted in writing of Commercial Collections Due diligence for CAMNET Pty Ltd (Ricoh Finance) vendor finance program

Small Business Banking Manager - Inner West Sydney

Associate to Partner (Business Banking Manager)

Branch Manager Gordon NSW.