Ismail Ali

• Created an end-to-end business procedure and effective timeline to collect customers information to determine serviceability/borrowing power for a home loan. Once serviceability has been met, undertook extensive procedures to draft an application and assess repayment structure/suitability for a customers home lending needs from start to finish.
• Assess a customers ability to repay future and current lending and assisting them in refinancing further improving their current banking goals and needs whilst also maintaining a long term relationship between the business and the customer.
• Used multiple mediums to assess a customers background repayment history and utilized credit assessment tools to determine product suitability, type and repayment schedules.

Achieved within this role:

Attained outstanding banking character and performance within the first month of work and received a banker of the month award. Through hard work and dedication, an upskill was assigned to the retention team to further enhance my ability as a home lender.

• Developed strategies to maximize return on investments and reduce risk exposure.
• Collaborated with other departments such as accounting and legal to ensure timely completion of transactions related to assets.
• working with clients and/or their financial counsellors to make workable solutions that are the best outcome for both parties and taking inbound calls from clients and their representatives and taking verbal applications

Achieved within this role:

Received multiple recognitions for dealing and mitigating business risk factors which led to a personal appraisal from principal directors and was allowed to work on projects involving high risk factors.

• Involved a high level of case management, and analysing of various secured and unsecured accounts for businesses and customers experiencing both short and long-term financial difficulty
• Provided guidance to a variety of contacts and stakeholders to ensure each matter is actioned appropriately, within SLA and conforms to the Bank's policies and procedures
• Conducted regular reviews of the sensitive population and provide insights to themes, trends and propose appropriate steps to offer fair and reasonable financial outcomes and pro-actively manage the portfolio

Achieved in this role:

Provided outstanding continuous service leading to a bank recognized award called legend of the month personally congratulated by the General Manager.

• Handling multiple systems of both credit cards, personal loans, home loans and savings accounts
• Searching and analysing the history of the customer to identify patterns of the customer and develop possible solutions for them
• Team leader relief roles managing a team of 12 and driving the business towards its goals and needs