David Stellenberg

Currently responsible for application results for our White Label both Mortgage Choice Freedom & Apollo by LMG.

I am the go to person for all my broker across WA/SA/NT

Primary focus building and maintaining broker relationships, and proactively managing a pipeline of broker scenarios including submitted applications. Regularly striving for the ultimate broker experience.

Seeking out new broker relationships while nurturing existing relationship creating advocates for the Athena Brand.

I spend day regularly presenting to small and medium size groups either in person or face to face sessions.

Running interactive broker onboarding sessions to provide depth knowledge of Athena, who we are, what we do, the customers that are right for Athena and our product and process.

Majority of my time also spent on the road visiting aggregators including building relationships with partnership managers an state leaders.

Leading a team of Credit Managers and Senior Credit Analyst is the primary focus of my role, monitoring and process improvement recommendations to ensure existing procedures and delegations are adhered to and enhanced. My role works closely with all business partners, internal and external as there is a strong reliance on collaboration and team work. The group risk framework as well as practices and policies is critical therefore, understanding how these apply to the operational team for support and ongoing management will be expected.

Responsibilities:

Coaching and Development of my team and ensuring they are not only

productive but providing quality work.

Using my PCAA ($5m) to make safe and responsible credit decisions

Lead a team to drive customer focused outcomes that are done right the first time

Drive continuous improvement within my team including coaching and development.

Building relationships with internal and external partners which regular presentations are held with these partners such as Private & Premier banking

and Business Banking as well as our Retail Network which include Personal Lender and Mobile Lenders.

Reviewing appeals with a balanced customer focused approach.

Complete Performance reviews twice a year, and monthly one on ones on regular basis.

As Premier Banking Relationship Manager we are responsible to look after high valued clients, my portfolio expands to 250 relationships from Business Owners, Doctors, Lawyers, and Accountants. Our main focus to create these lasting relationships and assist them with the following:

Business Development/Relationship Management & Leadership

Home Loan/Investment Lending (End to End Process)

Home Loan Credit Policy

Personal Banking i.e. Unsecured/Secured Personal Loans, Credit Cards, Overdrafts, Transactional/Saving Accounts

Referral Partners:

Business/Commercial Lending

Share Markets/CommSec Advisory

Financial Planning

Branches

Also, complete same role between May 2015 to May 2017

As a coach my focus is to support RBS Management by coaching and training Premier Banking Relationship Managers and Mobile Bankers, Business Home Lending Specialist to achieve outstanding customer sales outcomes through improvements as RM/Lender. My focus will be assisting external lenders from

other organisation’s who join the bank to understand quickly the culture, systems, processes and policies of Retail Banking

Lending Roles.

My Duties:

Proactive Coaching

Assist in facilitating coaching and ongoing training for lenders.

Accountability for improving lender capability.

Provide input to training delivery methods, material and content to maintain best practice standards.

Practicing change management of major home loan project, policy and price shifts.

Business Outcomes:

Coach lending staff to ensuring business outcomes are achieved.

Coach/advise Line Managers on managing the sales pipeline.

Compliance:

Assist Line Manager to ensure that team members comply with the Bank policies and procedures.

Embed compliance checks through the agreed performance actions.

Acts as a point of reference for Lenders in terms of policies and procedures.

Point of escalation for unresolved compliance breaches and operational

In Credit Services we assess home loan applications on behalf of our Branches, Brokers, Mobile Lenders, Innovators and Mobile Banking. Our team works closely with Group Lending Services and our National Sales areas to assist support the processing of home loan applications.

I have a strong understanding of consumer lending products and a good understanding of the Groups credit lending policies and procedures. Current PCAA is $2m including various exception authorities. Both my accuracy and productivity exceed 90%.

Also assisted in training staff new members and auditing their applications to ensure the right decision was made and the right procedures was in effect.