Emma Watson
Gold Coast,QLD
Summary
Seasoned Business Home Finance Manager with a robust history at Westpac, adept in navigating complex lending scenarios and assisting teams to success. Excelled in relationship and portfolio management, showcasing a blend of mortgage expertise and communication skills. Recognized for outstanding performance with multiple awards, demonstrating a commitment to excellence
Knowledge of risk assessment and regulatory compliance ensures sound decision-making and financial integrity.
Professional in home finance management with proven ability to drive results and deliver impactful financial solutions. Skilled in mortgage lending, risk assessment, and customer relationship management. Strong focus on team collaboration and adaptability to changing needs. Known for reliability, problem-solving abilities, and strategic thinking.
Overview
25
25
years of professional experience
Work History
Business Home Finance Manager
Westpac
04.2023 - Current
- Streamlined mortgage application processes, via OBP Pilot and then Commercial Pilot for faster turnaround times, resulting in higher customer satisfaction and great NPS results
- Oversaw the development of new lending systems (OBP), ensuring compliance with regulatory requirements while meeting customers'' needs.
- Complete end to end compliant home loan submissions for Business Bank customers
- Mixed lending Business Bank deals within Sector Policy - eg Pharmacy, Management Rights, Professional Services
- Coaching / Mentoring other Lending Managers, Relationship Managers, Senior Relationship Managers in OBP and OBP Policy
- Collaborated with business partners to ensure timely and accurate loan decision-making while managing risk exposure.
- Increased loan application approvals by developing strong relationships with stakeholders and providing personalized financial experience for our clients
- Mentored junior team members, enhancing their skills in home financing for Business Bank
Lending Manager (QLD & NSW)
Westpac
05.2019 - 04.2023
- Analyzed financial statements and tax returns to complete underwriting process.
- Delivered exceptional customer service, consistently resolving issues promptly and maintaining high levels of client and banker satisfaction.
- Mentored junior team members to enhance their knowledge of lending products and processes.
- Developed strong relationships with key stakeholders, fostering trust and collaboration between departments.
Assistant Relationship Manager
Westpac
01.2016 - 05.2019
- Completion of annual and quarterly reviews, for Commercial, Property Investors / Developers & Sector Policy Portfolios
- Supporting Senior Relationship Managers with commercial lending submissions
- Compiling and sign up of commercial lending documents
- Equipment Finance submissions
- Home Loan settlements
- Assisted in the preparation of detailed credit applications by gathering all necessary information and documentation required for approval processes.
- Participated in weekly team meetings to discuss progress towards goals and share best practices for improved performance outcomes.
Relationship Manager
Westpac
02.2009 - 04.2015
- Management of 80 connection Commercial Banking Portfolio
- Relationship Manager of a Franchise based portfolio
- Manager to an Assistant Relationship Manager
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Consistently exceeded quarterly sales goals by cultivating a strong network of professional contacts and referrals.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
Relationship Manager
Nab
01.2006 - 01.2009
- Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Developed targeted presentations for prospective clients, effectively showcasing the value of our services and products.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
Business Banker
CBA
01.2000 - 01.2006
- Coordinated with various departments to ensure seamless delivery of banking services across all channels.
Skills
- Relationship management
- Consumer lending compliance
- Leadership
- Training
- Relationship building
- Loan origination
- Financial coaching
- Loan processing management
- Quality control implementation
- Teamwork and collaboration
- Problem-solving
- Attention to detail
- Problem-solving abilities
- Multitasking
Keyskills Experience
- High performer with efficient and effective processes too deliver great outcomes and exceptional customer services
- Strong relationships with other key stakeholders within the business, built from authenticity and the knowledge of others role within the distribution chain
- Extensive knowledge in consumer lending compliance
- Extensive knowledge in Westpac policy & procedures
- Extensive knowledge in Westpac systems eg, TLA, OBP, RAP, RB
- Extensive experience in relationship & portfolio management
- Leadership & training experience
Timeline
Business Home Finance Manager
Westpac
04.2023 - Current
Lending Manager (QLD & NSW)
Westpac
05.2019 - 04.2023
Assistant Relationship Manager
Westpac
01.2016 - 05.2019
Relationship Manager
Westpac
02.2009 - 04.2015
Relationship Manager
Nab
01.2006 - 01.2009
Business Banker
CBA
01.2000 - 01.2006
Similar Profiles
Dyllan TurnbullDyllan Turnbull
Mobile Mortgage Manager at WestpacMobile Mortgage Manager at Westpac
Charlotte MitchellCharlotte Mitchell
Customer Service Representative at WestpacCustomer Service Representative at Westpac
Shania VilarinoShania Vilarino
Personal Banking Specialist at WestpacPersonal Banking Specialist at Westpac