GAURAV KHANNA
Ivanhoe,VIC
Summary
Dynamic Banking Professional with a proven track record at Commonwealth Bank of Australia and ANZ Bank excelling in customer relationship management and financial analysis. Recognized with multiple awards for driving complex lending solutions and building strong networks, achieving significant business growth and compliance excellence.
Overview
22
22
years of professional experience
Work History
Home Lending Executive – Mobile Lending
Commonwealth Bank of Australia
Melbourne
11.2018 - Current
- Established strong customer relationships to drive repeat business and advocacy.
- Cultivated connections with referral sources, including branch staff and real estate agents.
- Processed home loan applications end-to-end while ensuring credit quality standards.
- Achieved compliance with all mortgage regulations and audit requirements.
- Specialized in complex lending scenarios, including bridging finance and self-employed applications.
- Received Diamond Lender Award for 2020-2021 at Cairns event.
- Honored with Ultimate Success Award for 2022-2023 at Melbourne event.
- Developed a robust network among medico professionals to address complex lending needs.
Business Banking Manager, ANZ Northern Melbourne
ANZ Bank
Melbourne
02.2017 - 10.2018
- Cultivated relationships with commercial brokers, accountants, and referral partners to drive business growth.
- Coached referral partners in identifying commercial opportunities and communicated policy updates.
- Developed customer relationships to enhance repeat business and foster advocacy.
Home and Investment Lending Manager
ANZ Bank
Melbourne
07.2012 - 01.2017
- Cultivated strong customer relationships, driving repeat business and advocacy.
- Processed home loan applications in compliance with credit quality standards.
- Served as primary contact for clients, assessors, and real estate professionals during application process.
- Established connections with referral sources, including accountants and real estate agents.
- Sourced new business opportunities by appointing mortgage introducers.
- Settled $52 million in loans from October 2014 to September 2015 and $30 million from October 2015 to March 2016.
Lender Assistant Manager (Secondment)
ANZ Bank
Melbourne
05.2012 - 06.2012
- Managed pipeline for lenders, optimizing time spent on customer interactions.
- Facilitated customer establishment process for HILMs by preparing and submitting applications.
- Acted as primary point of contact for customers during follow-ups until settlement.
- Monitored policy and process changes to ensure compliance with loan application requirements.
- Calculated LMI, MPI, and all fees accurately to prevent discrepancies.
Mortgage Compliance Officer
ANZ Bank
Melbourne
06.2010 - 04.2012
- Conducted compliance tests on all drawn-down mortgage applications from Branch and HILM channels.
- Analyzed financial documentation to ensure adherence to compliance standards.
- Investigated application forms, income verification, LVR calculations, and lenders' mortgage insurance.
- Communicated compliance results to lenders and unit managers for transparency.
- Made timely decisions while identifying gaps in information and escalating issues.
- Identified root causes of problems and proposed viable solutions.
Insurance Sales Officer
Salesforce (National Australia Bank)
Melbourne
01.2010 - 06.2010
- Executed insurance cross-sales to existing NAB customers, adhering to FSRA guidelines during presentations.
- Achieved monthly sales targets consistently through effective strategies.
- Recognized for highest sales volume among new team members during first week of calling.
Business Development Manager, Retail Assets-Credit Cards and Consumer Loans
Standard Chartered Bank
Dubai, UAE
11.2007 - 08.2009
- Assigned team targets, ensuring achievement of objectives.
- Managed company empanelment for bulk sourcing of bundled offerings, including payroll accounts and credit cards.
- Oversaw recruitment, training, and performance evaluations for team leaders and direct sales representatives.
- Mitigated fraud and financial risks through stringent oversight of operations.
- Collaborated with credit department and support teams to resolve deviations and pending cases.
- Established and led multicultural retail assets sales teams in Dubai, totaling 46 representatives.
Sales Development Manager, Business Loans (Citibusiness)
Citibank N.A.
Dubai, UAE
10.2005 - 10.2007
- Leading and managing a team of 20 sales staff to source and drive Business Installment Loans (BIL) and Personal Loans. BIL is an unsecured asset product primarily aimed at the small and medium enterprises (SME) segment in the UAE, with an average ticket size of AED 100,000 (AUD 33,000).
- Opening Citibusiness accounts to have a long-term overall banking relationship with the customers.
- Developing strong relationships to build referrals and opportunities to cross-sell other lending and investment products.
Executive – Sales, Consumer Electronics Division
Philips India Limited
Chandigarh, India
06.2003 - 09.2005
- Handling Channel / Trade sales
- Supervising a team of Distributor Sales Officers, Inshop Promoters and Longarm Sales Officers
- Distributor Selection and Appointment
- Secondary Sales Activities
Education
Diploma of Finance And Mortgage Broking Management
MyFeng
05-2025
Master of Business Administration -
Amity Business School
India01.2003
Bachelor of Commerce -
Delhi University
New Delhi, India01.2001
Skills
- Financial analysis
- Mortgage compliance
- Complex Home and Business Lending
- Customer relationship management
- Business development
- Networking
Timeline
Home Lending Executive – Mobile Lending
Commonwealth Bank of Australia
11.2018 - Current
Business Banking Manager, ANZ Northern Melbourne
ANZ Bank
02.2017 - 10.2018
Home and Investment Lending Manager
ANZ Bank
07.2012 - 01.2017
Lender Assistant Manager (Secondment)
ANZ Bank
05.2012 - 06.2012
Mortgage Compliance Officer
ANZ Bank
06.2010 - 04.2012
Insurance Sales Officer
Salesforce (National Australia Bank)
01.2010 - 06.2010
Business Development Manager, Retail Assets-Credit Cards and Consumer Loans
Standard Chartered Bank
11.2007 - 08.2009
Sales Development Manager, Business Loans (Citibusiness)
Citibank N.A.
10.2005 - 10.2007
Executive – Sales, Consumer Electronics Division
Philips India Limited
06.2003 - 09.2005
Diploma of Finance And Mortgage Broking Management
MyFeng
Master of Business Administration -
Amity Business School
Bachelor of Commerce -
Delhi University
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