Senior Credit Manager

• Jan 2023 - Present

Dealer Manager

• Mar 2022 - Dec 2022

Same responsibilities as that for Dealer Manager with St George. Same responsibilities as that for Dealer Manager with St George.

Dealer Manager

• May 2012 - Feb 2022

Major responsibilities: • Maintain control over a portfolio of motor vehicle dealerships; • Monitor and increase Retail Paper (automotive finance loans) introduced by wholesale dealerships and retail only dealerships; • In conjunction with Credit Analyst undertake reviews on each of wholesale dealership groups in the portfolio on at least an annual basis; • In conjunction with the Credit Analyst, review periodic financial statements on each of the customers in the portfolio and identify any deteriorating trends. Discuss any possible concerns and formulate strategies as necessary; • Participate in workshops in conjunction with the Credit Analyst for new customers and/or increased facilities to determine appetite for the transaction and under what terms and conditions.

Senior Audit Manager, Global Internal Audit

• Feb 2005 - Mar 2012

Major responsibilities: • Undertake Credit Risk Review audits in the Institutional, Corporate and Business Banking assessing key risks and issues on an individual account basis as well as reviewing key controls of the portfolio. • Undertake Operational audits across different segments of the Bank which in the last 12 months have included Risk in the Pacific Region, Business Banking, Regional Commercial Banking, Office of Foreign Asset Control (sanctions review). • Depending on the Audit could be leading a team of four to six Audit Managers as well as providing assistance and guidance. • Discuss key findings with Senior Stakeholders of each audit to ensure issues identified have been accepted and ensure recommended solutions are commercial. • Preparation of the audit report of key findings for GIA Management which is then reported to the Audit Committee. • Role involved travel which included every state capital, numerous regional centres and overseas (Philippines, Indonesia, Singapore, New Zealand, Papua New Guinea, Vanuatu, Fiji, Samoa and American Samoa).

Senior Relationship Lending Manager

• Aug 2000 - Feb 2005

• Maintain control over a portfolio of car dealerships in the dealer finance area. • Perform reviews on each of car dealerships in the portfolio on at least an annual basis. Dual approve the reviews in conjunction with the Manager Credit. • Review monthly financial statements on each of the car dealerships in the portfolio and identify any deteriorating trends. Discuss any possible concerns with the Relationship Manager and Manager Credit and formulate strategies as necessary. • In addition to the review of monthly financial data also review and monitor average payout days for bailed vehicles, stockaging of bailed vehicles and vehicle equity maintained in the business. • Participate in workshops in conjunction with the Relationship Managers and the Manager Credit for new customers and/or increased facilities to determine appetite for the transaction and under what terms and conditions. • As I was the most senior and experienced analyst in the team I also had the additional responsibility of overseeing and training the more junior members of the team. In addition, on numerous occasions I relieved the State Head of Dealer Lending over extended periods of time.

Manager Credit

• Jun 1998 - Aug 2000

Major responsibilities:• Dual approve reviews and increased facilities in conjunction with the Senior/Relationship Lending Managers in the dealer finance and business equipment finance areas.• Conduct Credit workshops with the Relationship Managers and Senior Relationship Lending Managers for new customers and/or increased facilities to determine appetite for the transaction and under what terms and conditions.• Undertake Loan Loss Reviews for those transactions where Esanda have written off loan amounts. As part of the review determine the cause for the loss and accountability (if any).• Conduct training sessions for Senior Relationship Lending Managers for any changes in credit policy.

Relationship Manager, Commercial Banking

• Aug 1997 - Jun 1998

Major Responsibilities:• Maintain control over a portfolio of commercial/corporate customers, • Increase revenues and the size of the portfolio by the targeting new customers, increase the “size of wallet” for existing customer and cross sell new products. • Perform reviews on each of customers in the portfolio on at least an annual basis. Dual approve the reviews in conjunction with the Manager Credit.• Review periodic financial statements on each of the customers in the portfolio and identify any deteriorating trends. Discuss any possible concerns with the Manager Credit and formulate strategies as necessary.• Participate in workshops in conjunction with the Manager Credit for new customers and/or increased facilities to determine appetite for the transaction and under what terms and conditions.• Conduct training and development for two Assistant Managers.