David Lungwitz
Munno Para West,Australia
Summary
Experienced Credit Manager with a background in banking and financial services, currently training to transition into a Team Leader role at Westpac. Proven track record of managing a successful business with eight staff members for nine years. Skilled in credit analysis, risk management, and delivering exceptional customer service. Strong leadership potential, analytical mindset, and effective communication skills. Committed to delivering sound risk/reward outcomes and contributing to Westpac's vision of customer success and operational excellence.
Overview
14
14
years of professional experience
Work History
Credit Manager
Westpac
02.2023 - Current
- Built and nurtured strong working relationships with lenders, providing assistance with loan applications and ensuring accurate database input.
- Analyzed credit data and financial statements to assess risk levels associated with extending credit or lending money, ensuring compliance with Westpac's credit policies and guidelines.
- Delivered high-quality home loan decisions aligned with Westpac's credit appetite, optimizing risk/reward outcomes.
- Contributed to development and maintenance of team service level agreements, ensuring efficient workflow and timely decision-making processes.
- Acted as an escalation point for credit decisions outside approval limits, providing guidance and expertise to resolve complex issues.
- Promoted customer-centric approach in credit decisions, fostering constructive communication and considering customer suggestions to enhance overall experience.
- Cultivated a unified team culture by providing credit coaching and training to team members and home loan lenders, focusing on process improvement and enhancing credit skills capability.
- Maintained proficiency in digital banking platforms, leveraging technology to streamline credit operations and improve efficiency.
- Demonstrated strong commitment to Westpac's core values, promoting integrity, teamwork, and customer service excellence.
Manager Credit Operations
Westpac
03.2022 - 02.2023
- Provide strategic support to Senior Operations Manager, collaborating on key business initiatives and projects.
- Independently and collaboratively work with leadership team and partners to implement strategic plans and drive business objectives.
- Coordinate, manage, and influence processes and projects across business unit, ensuring alignment with Mortgage Operations and Line of Business (LOB) partners.
- Assist in implementation of strategies to enhance operational efficiency and achieve organisational goals.
- Represent Senior Operations Manager at various meetings and internal forums, acting as a central point of escalation for important issues.
- Prepare communications materials and facilitate effective communication channels within business unit and with stakeholders.
- Support management of business unit projections, reporting, including tracking key benefits of initiatives and managing risks within existing processes and new initiatives.
- Collaborate constructively across Leadership Team and business units, engaging and influencing team members and leaders to drive positive outcomes.
Credit Manager
Westpac
11.2020 - 02.2022
- As Per Above
Lending Approval Expert
Westpac
05.2020 - 11.2020
- Assessed home loans within service level agreements to meet customers' expectations
- Verified application information ensuring policies and regulations were adhered to, using validation tools to ensure serviceability, seeking clarity from home loan lenders where any inconsistencies are present
- Collaborated with colleagues and senior team members to consistently provide best outcomes for customers
- Managed stakeholder relationships during application process to facilitate smooth application process while remaining up to date with policies ensuring adherence to protect both customers and business.
Director and Owner
Rent The Roo
11.2009 - 05.2020
- Founded and operated a successful furniture and electronics rental business, providing high-quality rental solutions to residential and commercial clients.
- Managed all aspects of business operations, including inventory management, sales and marketing, customer service, and financial management.
- Developed and implemented business strategies to drive growth and profitability, including expanding product offerings, targeting new market segments, and optimizing pricing strategies.
- Built and maintained strong relationships with suppliers, negotiating favorable terms and ensuring timely delivery of inventory.
- Led a team of employees, providing training, supervision, and performance evaluations to ensure operational excellence and customer satisfaction.
- Implemented effective marketing strategies, including digital marketing campaigns, social media promotions, and partnerships with local businesses, resulting in increased brand visibility and customer acquisition.
- Oversaw financial planning and budgeting, managed accounts payable and receivable, and prepared financial reports to track business performance and make data-driven decisions.
- Ensured compliance with legal and regulatory requirements, including rental agreements, contracts, and insurance policies.
- Developed, modified, and structured Salesforce database to manage company, product, warehouse and customer data.
Education
Certificate of Accreditation - Leadership -
10CSE - Welcome To Group Operations
Lockleys09.2022
FNS40111 Certificate IV in Credit Management: Finance -
The National Finance Institute
Online01.2018
Skills
- Customer Focus
- Leadership Development:
- Team Collaboration
- Analytical Thinking
- Strong Communication Skills
- Autonomous Work
- Solution-Oriented Approach
- Positive Attitude
- Risk Management
Awards
Gem Award for receiving numerous Everyday Gems & Award nominations for October 2021 in Credit Decisioning, demonstrating passion and commitment to our Westpac Values
References
- Chris Baguley, Lending Coach - Westpac, 0468 539 038
- Courtney Dorward, Principle Consultant - Our Very Own, 0468 491 238
Timeline
Credit Manager
Westpac
02.2023 - Current
Manager Credit Operations
Westpac
03.2022 - 02.2023
Credit Manager
Westpac
11.2020 - 02.2022
Lending Approval Expert
Westpac
05.2020 - 11.2020
Director and Owner
Rent The Roo
11.2009 - 05.2020
Certificate of Accreditation - Leadership -
10CSE - Welcome To Group Operations
FNS40111 Certificate IV in Credit Management: Finance -
The National Finance Institute
Similar Profiles
Dyllan TurnbullDyllan Turnbull
Mobile Mortgage Manager at WestpacMobile Mortgage Manager at Westpac
TINOTENDA MAKUMBIROFATINOTENDA MAKUMBIROFA
Business Lending Team Member at WestpacBusiness Lending Team Member at Westpac
Mike AlwaniMike Alwani
D365 CRM Technical Lead | Consultant | Developer at WestpacD365 CRM Technical Lead | Consultant | Developer at Westpac
Ryan BridgesRyan Bridges
Remediation Specialist at WestpacRemediation Specialist at Westpac
Julie LakeJulie Lake
Kitchen Hand at Green Leaves Childcare CentreKitchen Hand at Green Leaves Childcare Centre