Chris Gennusa

Writing residential mortgages and equipment finance for clients. My role was to find the best solution in line with customer's needs, requirements, goals and objectives. Acting in the best interests of my clients I ensured the clients were placed with the lender that most suited their needs out of a panel of 35 different banks.

• Negotiated favourable terms with lenders, securing advantageous interest rates for clients.
• Maintained up-to-date knowledge of industry trends and regulations, ensuring compliance at all times.
• Build a network of referral partners such as accountants, real estate agents etc to ascertain new business
• Structuring residential debt to establish loan facilities utilising cross collateralization, family guarantees and equity release loans.
• Refinance, purchase, cash-out applications for standard and high-net worth customers
• Conduct face to face, video and phone appointments to progress business opportunities into home lending applications
• Refer to internal and external networks and sources such as Business Development Managers, broker portals and lender policy to achieve solutions for customers.
• Organise loan documentation and assist clients with signing

As a commercial Relationship Manager my role is to manage a portfolio of 60-70 clients within the diversified commercial segment. My customers were SME with commercial exposure of $500,000-$3,000,000

• Built and maintained relationships with new and existing clients while providing high level of expertise.
• Provide consumer (home lending), commercial, transactional, trade finance, equipment finance and credit card facilities for commercial customers
• Assess applications, risk reviews, annual reviews and maturing facilities to relevant sector policies adhering to specific management and servicing guidelines.
• Establish appropriate Risk Grades for customers with lending over $1,000,000 by analysing quantitative and qualitative information
• Manage a portfolio of SME and Commercial customers, ensuring revenue and balance sheet growth as well as compliance.
• Conduct servicing assessments in line with Interest Coverage, Debt to Service and Debt to Income Rations.
• Conduct face to face, video and phone appointments to progress business opportunities into applications.
• Conduct Periodic Risk Reviews/Annual reviews with customers with commercial exposure above 1 million and/or with complex lending products
• Extend and/or rollover maturing facilities for customer within the portfolio Engage with specialists such as trade finance, transactional banking and equipment finance to bring over entire wallet of clients.

Relationship Manager in Small Business Banking NSW team managing a portfolio of 150 small business customers with commercial facilities up to 1 million. This involves applications for business loans, asset finance, overdrafts, bank guarantees, business loans, corporate cards and commercial property purchases for new and existing clients. My aim was to develop and retain customer relationships and drive balance sheet growth and customer NPS within my portfolio and business unit.

• Establish customer relationships and provide appropriate commercial facilities such as loans, overdrafts, guarantees, cards, and merchants with lending up to 1 million.
• Prepare joint commercial and home loan applications such as new purchases and refinances liaising with CBA home lenders
• Review and apply credit policy to commercial facilities for clients with a sound understanding of responsible lending, Banking Code of Practice and NCCP policies
• Prepared applications for a wide range of purposes such as business acquisitions, new business, whitewash scenarios (buyouts), property purchases, working capital solutions, equipment purchases etc. using unsecured, partial and fully secured facilities.
• Conduct Business Reviews on clients within my portfolio to ensure credit quality is maintained
• Adhere to compliance requirements ensuring my portfolio met APRA, Tax Residency and AML/CTF requirements.
• Prepared non-lending applications such as security substitutions, discharges, partial discharges and repricing
• Manage expiring facilities within my portfolio and ensure a new application is completed for interest only term maturities.
• Provide asset finance and chattel mortgage solutions for businesses purchasing equipment utilizing a wide range of application pathways (Simplified and full credit assessments).
• Review and conduct analysis on financial statements, cash flow projections, tax returns, tax portals and necessary financials to obtain servicing outcomes.
• Structure loan and security facilities with commercial analysts and credit risk officers.
• Prepare loan documentation, letter of offers and pricing of commercial facilities in line with probability of default, security and credit risk ratings.

Business Banker within Commonwealth Bank, my role was to manage the end the end process of commercial applications for clients seeking facilities such as asset finance facilities, overdrafts, bank guarantees, business loans, corporate cards and commercial property purchases.

• Establish customer relationships and provide appropriate commercial facilities such as loans, overdrafts, guarantees, cards, and merchants with lending up to 1 million.
• Review and conduct analysis on financial statements, tax returns, tax portals and necessary financials to obtain servicing outcomes.
• Provided expert guidance on business financing options, helping clients secure necessary capital for growth.
• Coordinated with various departments to ensure seamless delivery of banking services across all channels.
• Conducted comprehensive financial analyses to identify opportunities for business expansion and risk mitigation.
• Led training sessions for junior bankers, fostering a culture of continuous learning and professional development.

As a Joint Fires Observer I was part of a Joint Fires Team, responsible for directing artillery fire and air actions onto enemy positions.

As an Artillery Observer I used military equipment to identify, locate and communicate threats to coalition forces. In a team of six, my task was to control and engage enemy targets with Australian and Coalition joint fire assets. This includes: indirect fire support from artillery and mortars, close air support from attack helicopters, ground attack aircraft and naval surface fire ships.

My primary role was to engage enemy targets with joint fires such as artillery, rotary and fixed wing aircraft, mortars and naval gunfire in support of coalition forces

• Provide battlespace commentary and reconnaissance with infantry forces.
• Operate various weapons and surveillance technologies to perform role.
• Deployed overseas in training operations in Indonesia and Korea.