Stephen Ware Email & Phone Number

Brisbane, Australia

Brisbane, Australia

Emerald

• Responsible for 8 Direct reports. Managing performance of the individual team members, and the team as a whole to ensure individual and branch KPIs were met.• Prepare, manage and oversee the branch business plan, and manage costs to ensure Branch operates within the Regional budget. • Financial analysis, including balance sheet, profit and loss statement analysis, and cash flow interpretation.• Identify client needs and where required partner with other internal stakeholders.• Promote the Bank in association with sponsored events, with the delivery of presentations to groups and direct engagement with these networks. • Lead collaboration with stakeholders.• Drive for new to Bank (NTB), growth, pricing (margin retention) and sponsorship, marketing, and brand awareness.• Due diligence, compliance, and credit analysis skills• Negotiations with clients regarding products and interest rate, and develop the client portfolio within the Rabobank Risk Appetite.• Manage client relationships, proactively engage with local professional, client and prospect networks • Assess credit worthiness of applications and co-own and lead submission cycle times• Liaise with the bank’s credit and executives on specific applications.• Ownership of initiatives leading to the fulfilment of the strategic operating plan and the commercial performance of the team.• Management of impaired assets. • Ensure the right coverage of Rural Managers to capture the addressable market for the Branch.• Staff recruitment and development through coaching and training opportunities.• Lead the investment in people development (team and self), including identifying skills and knowledge gaps.• Demonstrated ability to lead an effective team.

Brisbane

• Built a strong referral network with numerous stakeholders across central and west Queensland.• Assess credit worthiness of applications, taking in regard past and current climate challenges i.e. droughts and floods and accepting cash flow challenges due to these factors.• Manage client relationships and undertake annual reviews. Along with liaising with the bank’s credit and executives on specific applications.• Promote the Bank in association with sponsored events and Agriculture events.

Brisbane, Australia

• Devise strategies for recovery actions, be it a workout, mortgagee in possession sale or the appointment of a Receiver and Manager.• Calculate specific provisions and write offs.• Maintain compliance with policy and procedures and statutory and legal requirements in all recovery matters.• Maintain communications with the various banking divisions as well as external providers – Insolvency Accountants, Solicitors, Marketing Agents and Valuers.• Have been able to resolve difficult situations and recovery problems with a high level of mediation and negotiation.• Gained experience in complex commercial/agribusiness/property issues. • Have experience in dealing with complex issues pertaining to the Corporation Act.

Brisbane, Australia

• The management of a Livestock Finance portfolio consisting of clients with borrowings ranging from $2 million to $20 million. These clients consisted of Graziers, Feedlot owners and Abattoirs operators.• Responsible for implementing new reporting systems/measures to aid Suncorp’s security position.• Met the policies at all times including audit, compliance and credit including excess, reviews and client conditions.

Brisbane, Australia

• This position was the assistant to the District Agribusiness Manager.• The role required financial analysis, credit paper preparation, undertaking of annual reviews, client interviews and general portfolio management duties• This was a diversified portfolio with exposure to Beef Cattle, Dairy, and Poultry, Broad acre farming, Post farm gate production, and Commercial and Property investment.