John Bach
MELBOURNE,VIC
Summary
Experienced home lending professional with strong knowledge of end-to-end loan processing, compliance checks, and risk assessment. Known for clear communication, attention to detail, digital first approach and smooth coordination across lending stakeholders.
Overview
15
15
years of professional experience
Work History
Retail Lending Associtate
CBA
Melbourne, Vic
03.2025 - Current
- Assisted lenders with Home Loan Applications, applying knowledge of the home loan process to ensure accuracy and efficiency.
- Provided timely support to lenders and customers to address inquiries and concerns.
- Provided tailored support to lenders, addressing individual needs to enhance their experience and streamline the application process.
- Gathered feedback and implemented improvements to work methods (e.g., Applications Checklist or RCR reports).
- Review Home Loan Applications and share best practices. Ensuring Home Loan Applications were processed smoothly until settlement.
- Collaborated with internal and external stakeholders (Credit, Certification teams, Client's solicitors) to coordinate and execute processes effectively for customer satisfaction.
- Applying strong risk culture and using the “should we” test as well as responsible lending at all times.
Customer Banking Specialist
CBA
Melbourne, Vic
03.2022 - 03.2025
- Assisted customers with payments, transfers, card services, and online banking access to enhance their banking experience.
- Delivered customer service support for banking products and services, ensuring customer needs were met effectively.
- Assisted with new accounts, credit cards, personal loans, deposits, withdrawals, and accurate transaction records.
- Guided customers on CBA in-branch technology and digital banking options, facilitating their understanding and usage.
- Supported CommBank customer inquiries across branch, phone, and digital channels.
- Completed customer risk assessments to support anti-money laundering compliance.
Retail Manager
Chemist Warehouse Highpoint
Melbourne, vic
03.2012 - 02.2022
- Managed roster planning, break coverage, and task allocation across pharmacy and retail shifts.
- Trained team members on merchandising and service steps, enhancing store routines.
- Coordinated cash handling and POS procedures, ensuring accurate daily till reconciliation.
- Monitored store compliance with pharmacy standards, safety checks, and procedures
- Provided customer support for medicines, health products, and product inquiries.
- Resolved customer complaints efficiently while ensuring customer satisfaction.
- Supported Highpoint Chemist Warehouse floor team during peak trading and handover periods.
- Assisted with stock replenishment, stocktakes, and shelf presentation across front-of-house areas.
Education
Graduate Diploma - Migration Law
Victoria University
Melbourne, VIC12-2019
Bachelor of Business - Economics And Finance
RMIT University
Melbourne, VIC07-2010
Skills
- Home loan processing
- Compliance checks
- Risk assessment
- Settlement coordination
- Customer service
- Loan processing
- Account maintenance
- Attention to detail
- Problem resolution
- Risk management
- Workflow management
- Task prioritization
- Critical thinking
- Relationship building
Accomplishments
- Exceptionally achieved all the KPIs and led in various aspects at the branch, such as Home Loan, Business Opportunities, and Financial Health Check completed. For 2 years in a row, achieved Exceptional Performance Ratings. In the current role, for the financial year 2025-2026, achieved Exceptional Performance Rating for the past year's performance by demonstrating outstanding support to lenders and other team members.
Affiliations
- Technology, Walking, Soccer, Badminton, Volunteering
Timeline
Retail Lending Associtate
CBA
03.2025 - Current
Customer Banking Specialist
CBA
03.2022 - 03.2025
Retail Manager
Chemist Warehouse Highpoint
03.2012 - 02.2022
Graduate Diploma - Migration Law
Victoria University
Bachelor of Business - Economics And Finance
RMIT University