Summary
Overview
Work History
Education
Skills
Timeline
GeneralManager

David Smith

Finance & Insurance Business Manager
Doncaster East,VIC

Summary

Experienced Credit Analyst & Business Manager with over 10 years experience in both Motor Vehicle and Commercial Industry . I am highly organized and a dependable candidate that is successful at managing multiple priorities with a positive attitude. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organization brand,

Additional Studies Completed via The National Finance Institute,

1. Certificate IV in Finance and Mortgage Broking

2. Diploma of Finance & Mortgage Broking Management

Overview

31
31
years of professional experience

Work History

Finance and Insurance Business Manager

Toyota
Melbourne, VIC
12.2017 - Current
  • Being well presented and experienced with the introduction of selling of all Finance and Insurance Products
  • Working closely with the Sales Teams to ensure we capture all opportunities for market share.
  • Working with guests to establish their needs and requirements and presenting Finance options to suit their individual requirements.
  • Understanding and recognizing the need for continuous improvement as market conditions constantly change .
  • Thorough knowledge of Loan Documents required to affect settlement in a timely manner.
  • Working with the Lending Team and having that insight to workshop marginal deals to look for a more favorable outcome subject to clear serviceability.
  • Offering friendly and efficient service to customers, handled even under challenging situations with ease.
  • Previous secondments and roles within Toyota Include Retail Lending, Specialist Lending & Training Facilitator for new Lending Analysts.


Relationship Management Consultant

AGL
Melbourne, VIC
08.2017 - 12.2017
  • Actively managing a Commercial Portfolio $30-$35mil per month across 1800-2500 accounts Each Month.
  • Primary Focus was on maximizing AGL's cash flow and minimizing bad debt in conjunction with maintaining strong relationships with Commercial customers.
  • Working independently with minimal supervision.
  • Gaining customer trust and confidence by demonstrating compelling, persuasive and composed professional demeanor.
  • Commercial risk analysis of the debt portfolio.

Credit Analyst

Mercedes-Benz Financial Services
Melbourne, VIC
10.2013 - 07.2017
  • Assessing credit risk and financial statements.
  • Analyzing customer data such as financial statements to determine level of risk involved for extending credit.
  • Demonstrating a deep understanding RG209 / NCCP Responsible Lending.
  • Making decisions and recommendations about extending lines of credit.
  • Conducting financial reviews of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Having the skillsets / ability and drive to succeed in the role to ensure i have made the best possible experience for both the dealership and the Customers.

Collections Specialist

BMW
Melbourne, VIC
04.2010 - 06.2013
  • Negotiating payment plans with clients on overdue accounts 90+ days with a strong focus on minimizing potential Loss accounts.
  • Dispute resolution and escalation of Customer complaints,
  • Adhered to standards of quality and service as well as all compliance requirements.
  • Internal secondments included working with Loan Recovery and marketing to arrange possible re-finance arrangements on existing Loans


Customer Service / Sales Representative

Recoll
Murrumbeena, VIC
01.2003 - 02.2010
  • Servicing of Customers and quotes as per their specifications.
  • Maximizing Sales of restored furniture in conjunction with any current job requirements. In these instances on sight quotes were supplied.
  • Working closely with the Business owner saw an increase in revenue along with planning and co-ordination to achieve a higher than expected results on a consistent monthly basis.
  • Quickly I learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Worked flexible hours; night, weekend, and holiday shifts.

Customer Service /Collections Representative

Ford Credit
Melbourne, VIC
04.1994 - 06.2002
  • Negotiated to collect overdue payments 30 Plus days
  • Processed payments and contracts on accounts.
  • Counseled debtors on payment options and arranged installment agreements.
  • Resolved challenging situations with friendly but firm strategies.
  • Used probing techniques to determine debtors' reasons for delinquency.
  • Used skip tracing resources to locate debtors and updated information in company system.
  • Handled 80-100 outbound and inbound calls daily with goal of collecting owed debt. 30 Days<
  • Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.


Collections Officer

Nissan Financial Services
South Melbourne, VIC
01.1990 - 07.1993
  • Assisted debtors in setting up payment plans to recover overdue balances.
  • Advised customers of necessary actions and strategies for debt repayment.
  • Maintained high volume of calls and met demands of busy and productive group.
  • Achieved performance goals on consistent basis.
  • Verified and reviewed customer account information.
  • Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.

Education

High School Diploma -

St Josephs
South Melbourne
11.1987

Skills

  • Flexible and Adaptable
  • Collaboration
  • Conflict Resolution
  • Microsoft Office
  • Good listening skills
  • Decision Making
  • Responsible
  • Organization and Time Management
  • Active Listening

Timeline

Finance and Insurance Business Manager

Toyota
12.2017 - Current

Relationship Management Consultant

AGL
08.2017 - 12.2017

Credit Analyst

Mercedes-Benz Financial Services
10.2013 - 07.2017

Collections Specialist

BMW
04.2010 - 06.2013

Customer Service / Sales Representative

Recoll
01.2003 - 02.2010

Customer Service /Collections Representative

Ford Credit
04.1994 - 06.2002

Collections Officer

Nissan Financial Services
01.1990 - 07.1993

High School Diploma -

St Josephs

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David SmithFinance & Insurance Business Manager