Danelle Messaike

Finance Broker (owner) at HeadStrat Capital, I bring a dynamic and professional approach with a deep understanding of contemporary lending practices and extensive experience within the lending landscape. Known for meticulous organisation and a self-motivated approach, I specialise in providing commercial finance solutions for small and medium-sized enterprises (SMEs), primarily within the civil works, construction, and transport industries.

• Comprehensive Loan Management: Proficient in crafting and managing diverse loan applications, conducting thorough credit analyses, and implementing risk mitigation strategies to ensure optimal outcomes for clients.
• Financial Analysis: Skilled in credit writing, interpreting financial statements, conducting serviceability assessments, and projecting cash flows to support informed decision-making.
• Funding Solutions: Extensive knowledge of funding options tailored to meet clients' goals, providing sustainable long-term solutions.
• CRM Development and Automation: Expert in leveraging technology to streamline processes and enhance customer relationship management.
• Web Development and Marketing: Adept at leveraging online platforms to expand business reach and drive growth through strategic web development and marketing efforts.
• Business Management: Proven ability to effectively run a business, including networking, client acquisition, and forming strategic partnerships.

Finance Manager at CMV Truck & Bus – CMI Hino, I managed all aspects of the finance department, from seeking new business to finance application through to settlement. Specialising in commercial truck and equipment finance for small to medium corporations, including fleet facilities, I was also a key member of the management team. I possess a strong understanding of the current lending market and local business knowledge, with solid experience in credit procedures and policies. I am self-motivated, highly methodical, and organised, ensuring minimal room for error.

• Comprehensive Credit Analysis: Expert in preparing multiple finance applications with in-depth credit analysis, mitigating risks, and providing optimal credit decisions.
• Financial Statement Analysis: Skilled in analysing and interpreting financial statements, conducting serviceability analysis, preparing cash flow projections, and identifying industry trends.
• Stakeholder Collaboration: Collaborate effectively with internal and external stakeholders to discuss, negotiate, and deliver successful client outcomes.
• Analytical Reporting: Proficient in commercial credit manual reporting with a strong ability to understand inquiry intent, business needs, operations, budget, and future goals.
• Funding Solutions: Extensive knowledge of funding options to meet clients' goals and aspirations, providing long-term financial solutions.
• Performance Tracking: Responsible for trend tracking and monthly department KPI reporting.
• Adaptability: Flexible in conducting both virtual and in-person meetings.
• Presentation Skills: Deliver monthly presentations to management and executive leadership.

Being the Business Development Manager at the Bank of Queensland, I approached my role with flexibility and dedication, ensuring consistent and proactive engagement with both internal and external stakeholders. My focus was on delivering strategic networking opportunities and providing successful long-term solutions.

• Customer Needs Analysis: Understanding customers' needs and desired outcomes to help them achieve their financial goals through refinancing, debt consolidation, and new purchases.
• Financial Analysis: Conducted in-depth analysis of financial statements, trust documents, and company and individual financials. Calculated servicing ability and discussed discrepancies with clients to ensure clear and accurate analysis of their current situation. Performed and investigated Equifax checks on all individuals and associated companies.
• Reporting: Produced comprehensive and complex reports to support decision-making processes.
• Negotiation Skills: Utilised strong negotiation skills to provide successful and logical loan outcomes for both parties.
• Cross-Selling Opportunities: Maximised cross-selling opportunities for the Bank of Queensland.
• Referral Sources: Built an extensive network of external referral sources to ensure sales targets were met.
• KPI Achievement: Met monthly KPIs, including $2,000,000 in home loans, $200,000 in commercial lending, and $100,000 in equipment and vehicle loans. Contributed to the branch's team goals, ensuring a minimum of 900 points quarterly in line with the balanced scorecard.

Senior-level role leveraging my experience and knowledge to excel, consistently meeting monthly quotas and providing valuable mentoring to staff.

• Strong knowledge of lending products, procedures, and compliance.
• Experienced with a wide range of lender platforms.
• Managed finance applications from submission through to settlement.
• Utilised analytical and problem-solving skills to ensure fair outcomes.
• Developed and managed a current portfolio, consistently meeting deadlines in a fast-paced environment.
• Accountable for achieving KPIs, including a monthly volume of $1,000,000 and maintaining a $1,200 IPR, with above 40% finance share

• Developed a portfolio for two dealerships, Ringwood Honda and Norwood Motor Sales, managing all finance and insurance acquisitions while expanding the client database.

Established the Business Manager position to grow and implement all aspects of the finance and insurance sales procedure, including client retention and referral programs.

• Achievements: 2007 Volvo Society of Excellence National Award – 2nd Place.

Provided service and advice to the dealer network on all aspects of the settlement procedure, ensuring accurate compliance for funding.

• Acting Team Leader: Reinforced teamwork, ownership, and self-initiative, providing guidance to exceed objectives.
• Commissions Officer: Managed monthly incentives, created statements, adjusted base rates, and updated dealer flex plans.