Gary Ernst
Greenbank,QLD
Summary
Accomplished in fostering business growth and building robust relationships, I excel in compliance and credit analysis. At Auswide Bank, I spearheaded initiatives that significantly enhanced client trust and operational efficiency. My expertise in credit knowledge and risk analysis, coupled with a talent for mentoring, drives sustainable success and compliance adherence. Knowledgeable financial professional experienced in assessing credit viability for any borrowers. Good organizational and critical thinking skills. Offering 17 years of related experience.
Overview
12
12
years of professional experience
Work History
Broker Relationship Manager
Auswide Bank
04.2022 - Current
- Developed strong relationships with clients, earning their trust and loyalty through consistent communication and portfolio updates.
- Provided exceptional customer service, addressing any concerns or questions from clients promptly and professionally.
- Answered inquiries and provided information to sales representatives, distributed appropriate paperwork, and fulfilled quote requests to deliver excellent customer support.
- Responded via telephone and email to questions regarding, commissions, website logins and website navigation.
- Developed a reputation for integrity and ethical conduct within the brokerage community, leading to increased trust from clients and colleagues alike.
Loan Origination Supervisor
Auswide Bank
04.2021 - 04.2022
- Oversaw daily operations of the department, ensuring smooth workflow and timely completion of tasks.
- Applied strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows.
- Improved customer satisfaction with timely response to inquiries, addressing concerns, and finding effective solutions.
- Increased team productivity by implementing efficient workflows and setting clear expectations for staff members.
- Mentored junior staff members in their career development, sharing knowledge from years of experience in the field.
Senior Lending Analyst
Auswide Bank
08.2019 - 04.2021
- Work shopping applications with BRMs and analysts prior to submissions to credit.
- processing of the complex applications that were submitted via the third party channel.
- applications range from basic purchases to small business applications.
- training and onboarding of new to industry staff.
Credit and Compliance Specialist
Mr Rental
02.2019 - 08.2019
- Implemented robust record-keeping systems that ensured accurate documentation was maintained according to regulatory requirements at all times.
- Assisted in the preparation of regular reports for senior management, detailing compliance activities and progress towards established goals.
- Served as a point of contact for employees seeking guidance on compliance matters, instilling confidence in the organization''s commitment to regulatory adherence.
- Reduced instances of non-compliance through meticulous monitoring of internal controls and periodic audits.
- this was a 6 month contract to setup a credit scoring matrix into their system after the industry had moved to regulated business.
Quality Assurance in Lending Services
RACQ Bank
10.2017 - 02.2019
- Evaluated accuracy of existing quality assurance measurement techniques, implementing improvements to increase efficacy and reduce errors.
- Conducted regular audits to identify areas of improvement, leading to increased customer satisfaction levels.
- Improved product quality by implementing rigorous testing processes and protocols.
- Enhanced overall efficiency of the quality assurance process by streamlining workflows and documentation.
- Ensured compliance with industry standards and regulatory guidelines for quality management systems.
- setup a QA system and process due to RACQ acquiring QTMB which did not have a QA in place.
Senior Lender
Suncorp Bank
09.2014 - 10.2017
- processing of all post settlement credit approvals for the bank. Partial releases, substitutes of security, leases, boundary realignments, general consents
- held a DCA for $1,000,000 which covered both retail and small business lending
- processed applications for staff and private banking customers
Operational Support Officer
Suncorp
07.2012 - 09.2017
- Assisted in the development of annual budgets, monitoring expenses closely to ensure adherence to financial guidelines.
- Played a crucial role in onboarding new employees by providing comprehensive training materials and serving as a mentor throughout their initial employment period.
- Maintained accurate records of all activities, creating an organized system for easy reference and tracking progress toward key milestones.
- Facilitated smooth daily operations through diligent oversight of office equipment maintenance needs and inventory management practices.
- Developed strong relationships with internal departments to ensure seamless cooperation in achieving company goals.
Skills
- Business Growth
- Real estate knowledge
- Compliance requirements
- Workplace training
- Business relationship building
- Credit analysis
- Financial statement review
- Collateral risk
- Credit validations
- Creditworthiness Determination
- Risk Analysis
Timeline
Broker Relationship Manager
Auswide Bank
04.2022 - Current
Loan Origination Supervisor
Auswide Bank
04.2021 - 04.2022
Senior Lending Analyst
Auswide Bank
08.2019 - 04.2021
Credit and Compliance Specialist
Mr Rental
02.2019 - 08.2019
Quality Assurance in Lending Services
RACQ Bank
10.2017 - 02.2019
Senior Lender
Suncorp Bank
09.2014 - 10.2017
Operational Support Officer
Suncorp
07.2012 - 09.2017
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