Summary
Overview
Work History
Education
Skills
Accomplishments
Hobbies
Timeline
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Chris Smith

Chris Smith

16 Patricius Place, Augustine Heights ,Qld

Summary

- Experienced Financial Background in all aspects of Banking in Retail, Business (SME) and Commercial Banking Segments


- Excellent reputation for resolving problems and improving customer satisfaction with proven track record of providing financial services to clients while managing complex loan transactions.


- Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Highly skilled Loan Specialist with expertise in data accuracy and security.


- Hardworking professional with over 30 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.


- To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.


- Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

32
32
years of professional experience

Work History

Lending Specialist - Deceased Estates Remediation

Bank Of Queensland
01.2023 - Current
  • Ensured adherence to lending guidelines by collaborating with Stakeholders from various departments including Product, Compliance, Legal, Collections, and Financial Hardship while maintaining client confidentiality at all times.
  • Developed and maintained robust client connections, ensuring trust and loyalty for consistent customer satisfaction.
  • Ensured refunding of fees and maintenance of compliant documentation according to legislative requirements.
  • Achieved higher levels of customer satisfaction by promptly and professionally addressing their concerns.
  • Ensured strategic goals and outcomes aligned with customer experience and fair outcomes, delivering real impact to customers.
  • Focused on delivering outstanding customer-centric solutions and constantly striving for excellence.
  • Provided solutions and conducted file reviews in a deadline-driven quality control environment.

Retail Risk Assessment Manager

Bank Of Qld
10.2015 - 01.2023
  • Assessed and decided new or increased housing loans and consumer loans, exercising a Delegated Approval Authority (DAA) for up to $5M.
  • Evaluated consumer lending proposals from credit scoring system and policy exceptions (PAYG, Complex Non-PAYG via Branch, Broker sources).
  • Reviewed financial statements and other documents to assess applicants' ability to meet lending commitments in accordance with Responsible Lending Guidelines and Bank Policy
  • Managed loan portfolio to maintain optimal risk quality by utilizing effective decision-making, structuring, and coaching methods
  • Fostered a proactive and responsible credit environment, driving lending growth by implementing strategic approaches to deal-structuring.
  • Conducted thorough analysis of applications related to partial releases, security substitutions, temporary limits, consents to plans and leases as well as interest only Home Loan extensions in order to make informed decisions.
  • Cultivated a harmonious environment by promoting open communication and shared understanding of credit decisions and policies within the Sales Channel and Credit Risk Assessment teams.
  • Achieved timely turnaround of lending proposals in accordance with pre-established service level agreements.
  • Demonstrating excellent communication skills by effectively educating and promoting the bank’s credit culture to the branch network and other distribution channels.
  • Contributed to process improvement initiatives.
  • Completed all mandatory training and assessments in alignment with prescribed programs
  • Maintained continuous compliance with industry guidelines and regulatory requirements

Various Sales & Branch Roles

Westpac Banking Corporation
06.1992 - 10.2015
  • Transactional Banking Specialist (SE Qld & Nth Qld/Agribusiness) - (2005-2015)
  • Relationship Manager - Business & Commercial Banking (SE Qld) - (1998-2005)
  • Branch Roles (Teller, Operations) - (1992-1998)

Education

- Secondary Education

St Edmund's College
Ipswich, QLD
12.1991

Skills

  • Portfolio Management
  • Sales acumen
  • Debt Restructuring
  • Teamwork and Collaboration
  • Problem-Solving
  • Problem-solving abilities
  • Customer service-focused
  • Decision-Making
  • Microsoft Office
  • Data Entry
  • Risk Assessment & Decisioning
  • Credit Policy Review
  • Retail & Business Banking Lending
  • Regulatory Compliance

Accomplishments

    Team Member (Westpac) – Qld Disaster Recovery Team (January – April 2011), assisting Flood and Cyclone affected customers with financial assistance, relief and support

Hobbies

- Golf


- Rugby League


- Netball


- Spending Time with Family

Timeline

Lending Specialist - Deceased Estates Remediation

Bank Of Queensland
01.2023 - Current

Retail Risk Assessment Manager

Bank Of Qld
10.2015 - 01.2023

Various Sales & Branch Roles

Westpac Banking Corporation
06.1992 - 10.2015

- Secondary Education

St Edmund's College
Chris Smith