Experience

BOQ Business

• Australia
• Financial Services
• 1 - 100 Employee

• Head of Credit Enhancement and Capability

  • Sep 2021 - Present

  Position is to principally lead disciplined activities that enhance BoQ's credit risk position and strengthen commercial lender capability.Role focuses upon upskilling commercial lending staff via the application of comprehensive financial analysis and deal formation whilst complying with BoQ's credit policy and procedural expectations. Direct influence and involvement in the transitioning of prospective commercial lending clients to successful onboarding within reasonable appetite settings is uniformly undertaken.

• Head of Corporate Victoria & WA

  • Sep 2020 - Sep 2021

  Position involves leadership and management of Corporate lending teams in Victoria and Western Australia. Business segment is principally defined as larger SME, Corporate and small Institutional with the role primarily responsible for ensuring that the financial, client and risk / compliance expectations are met.

• Head of Business Relationships

  • Apr 2014 - Sep 2020

  Role is primarily to manage and lead a team of 17 Relationship Managers and Relationship Officers within BoQ Business Banking. This business segment is defined as mid-market and SME clients, and is the largest segment of BoQ Business lending. The role is primarily responsible for ensuring that the financial, client and risk related expectations of the department, team and individuals are met. The role achieves growth results and manages relationships with customer, risk and staff.Key accountabilities include rigorous risk assessment, compliance adherence, customer management, overviewing and submitting client requests introduced from other BoQ specialists, financial / growth expectations, profitable returns, leadership & supervision, training and brand promotion.



Commonwealth Bank (Bankwest project secondment)

• Regional Manager, Rural & Regional

  • Apr 2012 - Mar 2014

  Leadership and management of multiple business centres within Qld (21 FTE) with a high focus on inspiring, motivating and coaching a team of Business Development Managers, Relationship Managers and Assistant Relationship Managers;Implementation of significant and wide-ranging compliance, governance and credit risk frameworks to ensure Basel II (advanced) accreditation status for wider group;Contribute and implement a diverse range of lending policies with a goal of heightened credit risk and strategic consistency with parent company;Accurately and reliably report to SLG/Board on specific and distinct composition of lending book with predominate focus upon risk ratings, geographical composition and trend analysis to ensure market and operational characteristics were fully visible;Undertake confidential and strategic project management in ultimate withdrawal of divisional support from market. This involved precise planning in terms of communications, staffing reductions and client transitioning;Initally maintaining a visible market presence and working with their teams to develop and maintain relationships with new and existing customers, as well as colleagues and business partners across Bankwest Business;Demonstrating superior influence, facilitate effective change, coach effectively and have a strong strategic perspective coupled with a pragmatic hands-on attitude;Initially driving a robust sales culture including establishing proven sales practices, proactive calling programmes, local area marketing plans, pipeline management and increasing sales conversions;Instilling strong negotiation skills and problem solving attributed to meet the complex short and long term needs of the customers and the business;Forming part of the senior leadership team of Rural & Regional Australia.



Commonwealth Bank

• Australia
• Financial Services
• 700 & Above Employee

• Executive Manager, Risk Management

  • Jun 2006 - Mar 2012

  Lead a team of 9 that is responsible for assessment, review and decision of credit applications and ensuring satisfactory credit compliance. Moreover, development and maintaining strong relationships with the salesforce are essential. Good people skills are essential as the position leads the development of the team in terms of credit skills, relationship skills and a balanced culture;Role is responsible for decisioning of a State commercial lending book of $5.6bn and Agri book of $1.6bn. Productive collaboration and trust and team spirit are critical;Apply sound credit and analytical skills to review and decision credit proposals within a Personal Credit Approval Authority (PCAA) – base delegation is $20m (secured or unsecured), however a ‘Large Credit Exposure’ delegation exists for applications upward of $20m depending on the strength of counterparty (up to circa $100m). First hand recommender of applications above personal delegation (very few) requiring Risk Committee decision;Provide structuring and credit advice to business partners, in order to ensure successful business and credit outcomes. Position is responsible for all of Qld, which comprises ten separate sales business units;Understanding relevant industry issues, which might impact on external and internal credit environments affecting credit quality and recommending appropriate changes to systems and/or policies;Overview and improve established credit quality assurance frameworks, including provision of guidance and follow-up with the business where areas of improvement are identified. Ensure operational excellence in terms of compliance expectations; Develop divisional strategies and business plans consistent with wider group (Risk) expectations and those of supported business units;Manage and recommend changes to commercial lending policies in line with changing business and market demands;Undertake cross-divisional Executive level secondments where business interests dictate.

• Various Lending, Management and Risk related roles

  • Dec 1986 - Jun 2006