Yyyyyy x. yyyyyy

Address ~ Telephone ~ Email

 

Demonstrated expertise in Credit Risk Analysis and Financial Management; thoroughly aware of strategies that mitigate risk related to credit plans. Scrutinize portfolios; determine risk associated with involved transactions. Remain abreast of developments in business, finance, and economic theory. Skillfully analyze financial information to forecast business, industry, and economic conditions. Goal-driven leader able to indicate the most profitable means by which credit can be extended; maintain vital competitive analysis process to facilitate implementation of aggressive revenue goals.

Highlights of Expertise:

•     Risk Management •     Operational Risk •     Sarbanes Oxley

•     Secured Lending Institutions •     Sales & Service Skill •     IT Service Initiatives

•     Business Development •     Retail Banking •     Marketing/Communications

 

 

Commonwealth Bank of Australia, 2001 to 2008

 

Marketing and Communications, 09/2008 to Present

         Restructured the Change Management Strategy; informed and collaborated with internal/external stakeholders and launched all Communication and Training materials.

 

Retail Banking IT Services, 11/2008 to 09/2008

         Suggested a more successful loan discharge process; spearheaded a pilot team for 48 branches.

         Automated the home loan application and documentation process for Sydney and Melbourne branches.

         Realized and suggested remedial measures for inefficiencies in the Commsee system.

 

Operational Risk and Control Improvement, 06/2006 to 11/2007

         Launched innovative payment system (eVoucher) and appropriately trained relevant departmental personnel.

         Verified compliance with Sarbanes Oxley regulations with quarterly self assessment, internal/external audits and refined a SOX compliance reporting (LAWLEX) system tool.

 

Credit Risk Manager, 11/2004 to 06/2006

         Trained Retail Lenders on Retail Credit Applications structure and the Credit Policies.

         Leveraged in-depth knowledge of credit and lending strategies, significantly helping advance corporate goals.

         Conducted quantitative/risk analysis associated with the extensions of credit; introduced ways to mitigate risk.

         Researched fiscal performance of each commercial client, including volatility and debt-to-income ratio analysis to determine feasibility of funding.

         Interpreted financial data affecting credit programs, such as investment product returns, drawdown, volatility, investment risks, and economic influences.

 

Personal Lending Relationship Manager and Home Loan Sales, 04/2002 to 11/2004

         Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans home loan applicants for approval up to $1.2MM.

         Supervised and trained loan personnel in the application process and CommSee system.

         Explained to customers the different types of loans and credit options available, as well as the terms of those services.

         Reviewed loan agreements to ensure completion and accuracy according to policy.

         Set credit policies, credit lines, procedures and standards.

         Remained abreast of new types of loans/financial services to better meet clients' needs.

         Submitted applications to credit analysts for verification and recommendation.

 

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Yyyyyy x. yyyyyy  ~ Page 2 of 2

 

Frontline Sales & Service, 02/2001 to 04/2002

         Coached sales staff, developed direct marketing plans for the branch, tracked and celebrated sales success and conducted weekly sales meetings with all branch staff. 

         Built effective relationships with business partners, working closely on customer acquisition strategies and retention efforts and developed new marketing campaigns. 

         Focused on protecting the bank and its employees; represented the Bank at various community functions to further enhance its image and develop additional business.

         Managed a book of clients, with emphasis on cross selling and deepening customers relationship with the bank; focused on building and retaining relationships through specific customer contact and sales goals. 

         Limited branch risk to preventable losses by ensuring that all branch staff is vigilantly aware of suspicious activity and that they are current on operational changes. 

         Ensured adherence to operational policies; performed Branch Quarterly Control Self Assessment.

 

 

Master of Applied Finance (Macquarie University)                                                     2007

 

 

Prosci Change Management Process                                                                           2008

Project Management Fundamentals (eQuest Consulting)                                            2007

Dynamic Web Training                                                                                                 2006

Certificate III in Financial Services FNB30199                                                              2004

(Tier 2- Specialist Deposit Products and General Insurance)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Yyyyyy x. yyyyyy

Address ~ Telephone ~ Email

 

 

<Date>

 

 

<<First Name>> <<Last Name>>

<<Title>>

<<Company>>

<<Street Address, Suite #>>

<<City, State Zip Code>>

 

Dear <<Courtesy>> <<Last Name>>,

 

Attached is my r sum highlighting my accomplishments in a banking career that now spans 7+ years as an Credit Risk Manager, Lending Manager, and Client Services Representative with expertise in management, client relations, and banking. I possess the necessary verbal and written communication skills, demonstrated interpersonal skills, and proven training, instructional and professional development expertise. I am consistently improving processes, reducing expenses, and increasing the value of employee performance through successful training and coaching.

 

My success is based on my ability to manage tasks and priorities; assign tasks, monitor and evaluate performance; coach and develop employee capabilities; and make recommendations as necessary. I am a valuable member of their staff always generating new ideas for improved performance and seeking new methods to increase customer satisfaction  and organizational efficiency including the innovation of new payment systems.

 

During my career, I ve gained notable experience leading and training other employees in the appropriate procedures related to the overall administration of a financial institution, including residential lending practice for loans up to $1.2MM. My professional background also includes a proven expertise in expediting projects, interpreting complex rules and regulations, and effectively communicating with upper management and personnel, verbally and in writing.

 

My aptitude for evaluating complex problems and reviewing related information to develop viable solutions would be of great use to your organization. I welcome more discussion about how my skills can help in meeting the goals and objective of your organization. Until then, should you have any additional questions feel free to contact me at your convenience.

 

Sincerely,

 

 

 

 

Yyyyyy x. yyyyyy

Enclosure