Summary
Work History
Education
Skills
Timeline
Generic

Cha Hem

Perth,WA

Summary

Dynamic Senior Mobile Banker with extensive experience in retail and commercial lending, excelling in relationship management and business development. Proven track record in driving loan growth through tailored solutions, and strong referral networks. Adept at credit assessment and coaching teams, consistently exceeding sales targets while enhancing client satisfaction and retention.

Work History

Senior Mobile Banker/ BDM

BOQ Group
  • Supported growth of the bank’s referral program by building strong partnerships through IPA and IFPA conferences and business networking.
  • Developed sales plans focused on understanding client needs and delivering tailored home loan solutions compliant with bank policies and risk guidelines.
  • Managed end-to-end home loan processing, working closely with settlement teams to ensure smooth loan finalization.
  • Maintained ongoing client and referral partner relationships to drive business and identify cross-selling opportunities.

Department Manager / Business Development Manager

Loansunlimted
  • Managed a team of 10 brokers, delivering training and performance coaching.
  • Developed and executed growth strategies for expanding commercial lending portfolios.
  • Guided brokers through client pipeline development, complex deal negotiations, and closing high-value loans.
  • Oversaw daily operations, ensuring compliance, and service excellence.
  • Aligned departmental goals with business strategy for long-term growth.

Business Banking Manager (Small Business Relations

ANZ
  • Managed a portfolio of 100+ small business clients, providing tailored lending solutions across home loans and commercial loans.
  • Delivered end-to-end lending services, including structuring, credit assessment, application processing, and settlement for both residential and business facilities.
  • Built and maintained strong referral networks with brokers, financial advisors, and commercial lawyers to drive lead generation and increase loan pipeline.
  • Achieved and exceeded sales targets by identifying lending opportunities and cross-selling complementary banking products (e.g. insurance, credit cards, savings).
  • Conducted in-depth financial analysis and risk assessments to ensure compliance and suitable loan structuring.
  • Proactively reviewed existing client portfolios to identify refinance, top-up, or expansion opportunities, improving overall portfolio profitability.
  • Collaborated with branch teams and internal stakeholders to streamline the client journey and deliver consistent service excellence.

Home Finance Manager

Westpac
  • Delivered home loan solutions for PAYG, self-employed, and complex trust-based clients.
  • Processed residential lending applications from pre-approval through to settlement, ensuring compliance with internal credit policies.
  • Reviewed income documents, and performed serviceability and affordability assessments.
  • Guided clients through refinancing, debt consolidation, and equity release strategies.
  • Identified client opportunities for cross-selling of related financial products and services.
  • Delivered personalized financial advice based on client goals and lifecycle stage.

Branch Lending Manager

Bankwest
  • Managed residential home loan processing across multiple suburbs, ensuring smooth application and settlement.
  • Organized and coordinated home loan referral activities, building strong relationships with brokers and referral partners.
  • Led local marketing initiatives and community engagement to promote home loan products and increase referral leads.
  • Conducted a client needs analysis to provide tailored lending solutions aligned with bank policies.
  • Regularly reviewed client portfolios to identify refinancing and loan top-up opportunities.
  • Supported cross-selling efforts by educating clients on complementary products, such as insurance and savings accounts.

Customer Service Executive

HSBC
  • Handled a high volume of customer inquiries, delivering personalized solutions and guidance on banking products including loans, accounts, and credit services.
  • Educated clients on product features and benefits to help them make informed financial decisions.
  • Managed and resolved customer feedback and complaints efficiently, escalating complex issues to appropriate departments while ensuring compliance with regulatory requirements.
  • Played an active role in the internal audit team, reviewing processes and customer interactions to ensure adherence to compliance standards and improve service quality.

Education

Bachelor of Commerce (Honors)

Skills

  • Relationship management
  • Business development strategy
  • Home lending, commercial lending, and asset finance
  • Credit and risk assessment
  • Client-Based Home Loan Sales
  • Client services and retention
  • Stakeholder Engagement
  • Coaching & Team Leadership
  • Referral network management

Timeline

Senior Mobile Banker/ BDM

BOQ Group

Department Manager / Business Development Manager

Loansunlimted

Business Banking Manager (Small Business Relations

ANZ

Home Finance Manager

Westpac

Branch Lending Manager

Bankwest

Customer Service Executive

HSBC

Bachelor of Commerce (Honors)

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Cha Hem