Christopher Ryan Wilson
West Beach
Summary
Senior banking professional with 20+ years’ experience across agribusiness, commercial, institutional, and retail banking with major Australian financial institutions. Based in regional Esperance, WA for the past decade, specialising in Agribusiness and Commercial Finance. Proven success in portfolio growth, client acquisition, credit risk management, and structuring complex transactions >$10M. Recognised as a trusted advisor with strong local networks, delivering tailored solutions that drive sustainable growth for farming enterprises and regional businesses.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Director / Finance Broker
Whiteroom Finance
01.2023 - Current
- Established and grew an independent finance broking business specialising in Agribusiness, Commercial, Equipment, and Home Lending.
- Partnered with over 40 lenders to deliver tailored solutions for regional clients.
- Successfully partnered as sole finance supplier with the Esperance Organised Primary Producers Co-Op (EOPP), supporting ~440 farming members with tailored finance solutions.
- Leveraged deep agribusiness and commercial expertise to support farming enterprises and businesses across Esperance and the Great Southern.
- Expanded networks and strengthened long-term relationships within the regional business community.
Agribusiness Manager
National Australia Bank (NAB)
01.2021 - 01.2023
- Accelerated portfolio growth from nil to $130M+, delivering new-to-bank acquisitions and balance sheet growth.
- Strategically executed a regional plan targeting farming clients in Lake King, West River, and Ravensthorpe.
- Structured and presented complex transactions >$10M to credit and review panels.
- Delivered high-quality financial, cash flow, and credit analysis across complex agribusiness, commercial, and home lending.
- Effectively managed risk through portfolio analysis, property valuations, security structuring, and credit mediation.
Agribusiness Relationship Manager
Rural Bank
01.2019 - 01.2021
- Managed a portfolio exceeding $120M, delivering on new-to-bank acquisitions and revenue growth.
- Prepared and presented complex transaction papers to credit panels (> $10M).
- Strengthened client relationships through proactive engagement and tailored financial solutions.
- Applied rigorous risk management across portfolio lending, projections, and credit assessments.
Senior Relationship Manager, Agribusiness
Bankwest
01.2014 - 01.2019
- Managed and grew an agribusiness/commercial portfolio with sound credit quality and risk management.
- Delivered financial, cash flow, and credit analysis for complex credit submissions.
- Drove customer engagement via proactive visitation and tailored banking solutions.
- Contributed to business growth and service excellence initiatives.
Account Manager / PCM Sales Manager
ANZ
01.2014 - 01.2014
- Delivered growth targets in Emerging Corporate segment through Payments & Cash Management, Cards, and Markets Sales.
- Developed new-to-bank transactional banking sales in Corporate and Commercial segments.
- Collaborated across internal and external stakeholders to diversify revenue and expand client relationships.
Business Development Manager
Visa Inc
01.2013 - 01.2013
- Developed sales strategies for Visa Consumer and Commercial products.
- Negotiated with non-traditional merchants to expand Visa card acceptance and drive payment volume growth.
- Delivered business development strategies for top-tier clients to increase revenue, market share, and client satisfaction.
Account Manager, Institutional Banking & Markets
Commonwealth Bank
01.2010 - 01.2013
- Managed a Tier-1 institutional portfolio (>$500M turnover), lifting performance from 72% to 100%.
- Ranked No.1 Account Manager nationally within Institutional Banking & Markets.
- Advised major clients including GM Holden, CSL, BMW, Cricket Australia, and 7-Eleven on cash management, e-commerce, and working capital solutions.
Local Business Banking Manager
Westpac
01.2009 - 01.2010
- Managed a commercial portfolio with clients up to $10M lending exposure.
- Delivered strong credit analysis, cash flow assessment, and transactional solutions.
- Significantly grew revenues through cross-selling of banking and finance products.
Home Finance Manager
Westpac
01.2007 - 01.2009
- Ranked No.1 Regional Home Finance Manager in WA; invited to Top Performers State Conference.
- Led a team of up to 5 Home Finance Managers and trained new recruits to accreditation.
- Maintained nil accountable non-lending losses through sound credit assessment and compliance.
Skills
- Agribusiness & Commercial Lending (transactions >$10M)
- Portfolio Growth & New-to-Bank Acquisition
- Financial, Cash Flow & Credit Analysis
- Risk & Compliance Management
- Client Relationship Management & Advisory
- Strategic Business Development
Affiliations
- Member, Australian Financial Complaints Authority (AFCA)
- Member, Mortgage & Finance Association of Australia (MFAA)
Certification
- Bachelor of Business (Marketing Major) – Edith Cowan University, 2007
- Diploma of Finance and Mortgage Broking Management – MyFeng, 2023
- Certificate IV in Finance and Mortgage Broking – MyFeng, 2023
Community Service
- Esperance Chamber of Commerce & Industry, Treasurer, Providing financial oversight and supporting local business development initiatives.
- Committee Member, Esperance Primary School P&C – Actively contributing to the school community and supporting local families.
Timeline
Director / Finance Broker
Whiteroom Finance
01.2023 - Current
Agribusiness Manager
National Australia Bank (NAB)
01.2021 - 01.2023
Agribusiness Relationship Manager
Rural Bank
01.2019 - 01.2021
Senior Relationship Manager, Agribusiness
Bankwest
01.2014 - 01.2019
Account Manager / PCM Sales Manager
ANZ
01.2014 - 01.2014
Business Development Manager
Visa Inc
01.2013 - 01.2013
Account Manager, Institutional Banking & Markets
Commonwealth Bank
01.2010 - 01.2013
Local Business Banking Manager
Westpac
01.2009 - 01.2010
Home Finance Manager
Westpac
01.2007 - 01.2009