Steven Ramage Email & Phone Number

Sydney, New South Wales, Australia

To design, build and implement appropriate credit risk policies to respond to the credit risk settings approved by the Board; provide oversight over the credit portfolio management; insight into risks emerging in the credit risk portfolio; review/challenge of credit risk settings and risk asset assurance over individual on-balance sheet facilities.

Sydney, New South Wales, Australia

Sydney, New South Wales, Australia

Introduce, maintain and grow the residential lending area of Scottish Pacific to be a profitable area of the group. Assist in attracting and retaining more Trade and Debtor Finance clients.

Newcastle, Australia

Full responsibility of the Credit Risk function. Responsible for overseeing the credit and lending policy and strategy framework, working collaboratively with the business to effectively implement these policies. Review Newcastle Permanent’s lending policies to ensure they are aligned to the strategic plan while meeting regulatory and credit rating.

Sydney, Australia

Leads, directs and co-ordinates Jobs for NSW operational, risk and governance practices delivering best practice business support services for Jobs for NSW (JfNSW), while establishing and implementing effective governance and risk management frameworks, key performance indicators, and auditable financial and grants funding processes and systems. Act as the.

Sydney

Sydney, Australia

• To set up the Lending Division for the Australian business
• Attain all required licensing
• Develop all required documentation, systems and processes
• Recruit and train all required staff
• Arrange funding and manage a profitable business

NSW

Appointed to lead the entry of the Victorian Mortgage Group(VMG) into the NSW market. VMG is non-bank lender with over 70 years experience in loan origination and servicing specialising in alternative lending to borrowers who have had their credit history affected in some way in the past.Responsible for the Marketing and Communication strategy and.

Toowoomba, Australia

Develop and maintain Credit Risk Strategies and Framework for Heritage BankCoordinate and champion the development and operation of the Bank’s credit risk management function.Responsibility for all loan origination for Mortgages, Unsecured lending, and Business Banking through all channels. Managing over 100 people across 4 locations covering loan.

North Sydney

Key client focal point for discussions, reporting and escalations,and ensuring both strategic and operational alignment between organisations. Reviewing and proposing alternate measurement and performance metrics (including Outcome Based Models) to drive improved performance and alignment. Provide appropriate management direction to staff, setting of.

Sydney, Australia

Responsible for the entire Risk function in Australia including creation of Underwriting policies, Master policies, Risk Based Pricing models, Geographical quality indices and various other risk models. Also a member of the executive team compiling the business case for entry into the Australian market.

Full P & L responsibility for the Australian Mortgage business covering Residential and Commercial Mortgages. Over 200 FTE, revenue in excess of $110m and EBIT over $50m. Also responsible for the Citibank Australia's securitisation program.

Responsible for all risk management matters in Australia and the Asia Region. Includes Policy, Regulatory reporting, business proposals and management of portfolio.

Established a Commercial Mortgages business from scratch to build a $200M Portfolio and achieve break even within 12 months. Built origination platforms, created underwriting policy, developed products and created the servicing platform. Employed the sales team and operations team.

Responsible for Risk management of Residential Mortgages and Margin Lending. Included, Credit Policy, Portfolio performance, all Underwriting and Credit Operations team.

Responsible for all Underwriting in Australia. This included the centralisation of all underwriting from 5 state offices into 1 national location and increasing written premium by over 80%. Also automated the underwriting process and incorporated the deposit guarantee product into the underwriting process.

Bec, Economics

Accounting major

Executive Development

Education record