Justine Egan
Ocean Grove,VIC
Summary
Experienced professional with almost 40 years in the finance and banking industry. Dedicated to the finance industry with strong people management skills. Seeking to match skills with new opportunities in the Geelong/Bellarine region. Currently working as a fully accredited consumer and commercial finance broker at MOR Accountants in Ballarat since February 2016. Previously, a long term business banker with Westpac. Currently considering the completion of a Diploma of Business Administration at Swinburne University to stay updated on industry trends and improve skills. Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organisational growth.
Experienced leader with strong background in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, ensuring high standards, and aligning efforts with organisational goals. Known for collaborative approach and commitment to excellence. Possesses versatile skills in project management, problem-solving, and collaboration. Brings fresh perspective and strong commitment to quality and success. Recognised for adaptability and proactive approach in delivering effective solutions.
Overview
38
38
years of professional experience
Work History
Officer in Charge (temporary workforce)
Australian Electoral Commission
04.2025 - Current
- AEC approved custodian of live ballot papers for the Federal election for the week prior to election day, on election day and until custody was transferred to the Return of Materials officer.
- Directed polling site functions for seamless election process completion.
- Cultivated strong relationships among team members and external stakeholders to foster a positive work environment.
- Performed comprehensive risk evaluations for diverse operational situations.
- Increased overall unit performance by implementing efficient workflows.
- Maintained regulatory compliance through strict adherence to policies and procedures.
- Directed operations for a staff of 10
Finance Broker / Loan Writer / Compliance Officer
MOR Finance - a Division of MOR Accountants
02.2016 - Current
- Manages lending applications and proposals on a daily basis.
- Ensured adherence to compliance requirements.
- Engaging with lenders, credit assessors, solicitors, and business partners daily.
- Kept abreast of changes in lending policies by routinely attending workshops, seminars, and webinars related to finance brokerage.
- Streamlined loan application processes for quicker approvals and increased productivity.
- Negotiated favorable terms with lenders, securing advantageous interest rates for clients.
- Implemented time-saving administrative procedures that increased efficiency within the brokerage office.
- Successfully closed deals with a high rate of client retention and repeat business.
- Mentored junior staff members imparting valuable knowledge and skills to improve overall team performance.
- Maintained up-to-date knowledge of industry trends and regulations, ensuring compliance at all times.
- Managed a diverse portfolio of loans, effectively minimizing risk while maximizing returns for clients.
- Developed strong relationships with key stakeholders, fostering trust and loyalty from both clients and lenders.
- Enhanced client satisfaction by providing tailored financial solutions and exceptional customer service.
- Provided clear communication throughout the loan process, keeping clients informed every step of the way.
- Prepared contracts and related documentation according to strict standards.
Business Manager Financial Services
Ballarat Prestige Automotive (Ballarat BMW and Volkswagen)
05.2015 - 11.2015
- Facilitated communication between Dealer Principal and team.
- Handled daily financial aspects of vehicle sales and deliveries.
- Supervised activities and productivity of up to six sales staff.
- Ensured daily updates to sales management reporting system.
- Facilitated event planning for vehicle introductions.
- Managed provision requirements for multiple lending and insurance providers.
- Enabled vehicle purchases through tailored lending and insurance offerings.
- Managed diverse customer service inquiries using various communication methods.
- Managed relationships with Business, Consumer, and High Net Worth clients.
- Increased overall team productivity by fostering a positive work environment and providing effective leadership.
- Oversaw financial operations, maintaining accurate records and ensuring compliance with industry regulations.
- Mentored junior staff members, helping them grow professionally and contribute more effectively to the team''s goals.
Relationship Banker Business Banker
Westpac
01.2010 - 04.2015
- Managed loan applications for commercial and agribusiness sectors efficiently
- Ensured lending files adhered to Government and RBA legislation.
- Consistently met lending goals and critical KPIs within set timelines.
- Coordinated conferences and special events.
- OH&S requirements for the office and external events
- Optimised processes for senior and specialised relationship managers within Regional Australia's largest lending portfolio.
- Implemented property development plans for medical, commercial, and agribusiness sectors.
- Strengthened client relationships by providing personalised banking solutions and excellent customer service.
- Maintained up-to-date knowledge of banking products and industry trends to provide expert advice to clients effectively.
- Expanded client base through effective networking and referral generation, leading to increased business opportunities.
- Increased cross-selling success by proactively identifying client needs and suggesting appropriate financial solutions.
- Resolved customer complaints, concerns and disputes to maintain satisfaction and loyalty.
- Cultivated strong customer relationships by providing tailored advice and services.
- Participated in ongoing professional development opportunities to remain current in industry best practices and continually improve service provision.
- Conducted comprehensive financial reviews for clients, resulting in more informed decision-making and better risk management.
- Enhanced reputation as a trusted advisor with clients through consistent delivery of high-quality financial guidance and support.
- Developed strong rapport with local businesses, positioning the bank as a preferred partner for commercial banking services.
- Fostered a positive working environment by actively participating in team meetings and supporting colleagues in their professional development.
- Actively participated in community events to promote bank services, expanding market reach.
- Played key role in developing mentorship program for new Bankers, improving team performance.
- Increased efficiency in handling client transactions, ensuring accuracy and timeliness.
- Collaborated with the whole team to meet and exceed sales targets for financial products.
- Enhanced client trust and loyalty by providing personalised financial advice and solutions.
- Developed and maintained strong relationships with clients, ensuring high level of satisfaction and retention.
Business Finance Manager Northern Victoria
Westpac
09.2002 - 01.2010
- Sale of lending products and services, including equipment finance to new and existing Small and Medium Enterprise clients.
- Attainment of monthly, quarterly and annual sales plan.
- Development of new clients to the Westpac customer base.
- Business Finance Manager of the Year 2004/2005 and 2005/2006 for Northern Victoria.
- Managed financial risk through comprehensive analysis of market trends, industry data, and internal performance metrics.
- Supported executive leadership by providing insightful recommendations backed up by thorough research into key business indicators.
- Facilitated smooth integration of acquired businesses through effective coordination of various finance-related tasks.
- Evaluated potential acquisition targets based on detailed due diligence exercises, ensuring a solid foundation for future growth opportunities.
- Trained new and existing staff members in various financial procedures to prepare for job requirements.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
- Conducted financial due diligence on potential investments and acquisitions.
- Mentored junior team members in best practices for financial management, fostering a culture of continuous improvement within the department.
- Collaborated with cross-functional teams to optimise resource allocation and ensure alignment with financial objectives.
- Led negotiation efforts with stakeholders to secure favorable pricing terms while maintaining strong relationships.
Branch Manager
Commonwealth Bank
04.2001 - 09.2002
- Sales/Marketing/Budget planning and attainment.
- Management of 7 staff on a daily basis.
- Result of 4.5/5 for annual Gallop poll result.
- Introduction of 2 referral agents for consumer loans resulting in the achievement of triple the forecasted yearly budget in consumer lending.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Reduced employee turnover by fostering a positive work environment.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
- Examined customer loan applications.
- Monitored market trends to identify new business opportunities and capitalise on potential growth areas within the community.
- Ensured exceptional customer service, resolving issues swiftly to maintain trust and satisfaction.
- Enhanced branch visibility and market presence by orchestrating community engagement initiatives.
- Oversaw daily branch operations, ensuring compliance with regulatory standards and maintaining operational integrity.
Branch Manager
Colonial at Coles Franchise
10.1999 - 03.2001
- Consumer lending.
- Management of 6 staff to provide 7 days a week banking.
- Sale of Colonial investment and insurance products.
- Attainment of monthly operational plans and reporting.
- Successful operation of the site from conception to closure (due to Commonwealth Bank merger).
- Sales exceeded targets sets for the 10 months the site was operational.
- Assisted in the redeployment of all staff to a suitable position within the Commonwealth Bank.
- Management of the merger of all High valued Colonial clients to Commonwealth Bank with 100% success rate against a target of 95%.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Developed a high-performing team through targeted r training and performance management initiatives.
- Fostered culture of excellence and accountability, resulting in branch consistently exceeding performance targets.
- Maintained friendly and professional customer interactions.
- Oversaw daily branch operations, ensuring compliance with regulatory standards and maintaining operational integrity.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Coordinated marketing campaigns tailored towards target audience segments resulting in increased brand awareness within the local community.
- Conducted regular financial reviews and audits, identifying and resolving discrepancies promptly.
- Complied with established internal controls and policies.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Ensured exceptional customer service, resolving issues swiftly to maintain trust and satisfaction.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Increased customer satisfaction with personalized banking solutions, tailoring services to meet individual financial goals.
Assistant Manager/Supervisor
Bendigo Bank
12.1995 - 10.1999
- Lending – consumer and commercial.
- Loan processing, approvals and document preparation.
- Loan settlements – purchase, sale and refinance.
- Management of Saturday trading roster.
- Strong sales figures maintained.
- Establishment of external referral sources.
- Several 100% Mystery Shopper results.
- Merger of IOOF records and staff to Bendigo Bank.
- Relieved Managers position for extended periods due to resignations.
- Supervised 7 staff on a day-to-day basis to meet performance, quality and service expectations.
- Developed strong working relationships with staff, fostering a positive work environment.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
- Improved customer satisfaction by addressing and resolving complaints promptly.
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
- Mentored junior staff members in their professional development by offering guidance/support in their assigned roles.
- Assisted in recruiting, interviewing, hiring, and onboarding of new employees to maintain adequate staffing levels.
- Collaborated with the management team to develop strategic plans for business growth and improvement.
- Promoted teamwork within the workplace by encouraging collaboration among staff members on various project tasks.
- Facilitated clear communication between employees and upper management through regular meetings and updates.
- Conducted employee performance evaluations, providing constructive feedback for growth and development.
- Implemented staff training programs, enhancing product knowledge and improving customer service skills.
- Maintained compliance with health and safety regulations, ensuring safe environment for both staff and customers.
- Led weekly team meetings to discuss goals and review performance, fostering culture of continuous improvement.
Sales Support Team Member
Westpac
09.1995 - 12.1995
- Preparation of legal documentation.
- Monitoring of all accounts outside arrangements.
- Debt recovery.
- Preparation of all loan files for the Goulburn-Murray region.
- Loan settlements.
- Successful transfer of all files and accounts to Adelaide due to department relocation.
- Improved customer retention with exceptional service during the entire sales process.
- Maintained detailed records of all customer interactions, ensuring consistency in service levels across the team.
- Participated in field days/events as a representative of the company, showcasing products and services while cultivating valuable industry connections.
- Trained new Sales Support Staff members on best practices, improving overall department performance.
- Developed and maintained relationships with key accounts and existing customers.
- Set and achieved company defined sales goals.
Administration/Teller/Managers’ Assistant
Westpac
01.1987 - 09.1995
- Cash handling/teller duties.
- Cheque books management.
- Typing and clerical duties.
- Consumer lending.
- Loan interviews/processing and settlement.
- Relief of Accountants’, Assistant Managers’ and Senior Teller positions.
- Sale of Bank products and services.
- Promotion to various positions.
- Successful relocation to Shepparton.
Education
Diploma of Business Administration -
Swinburne University of Technology
05.2025
Diploma of Finance & Mortgage Broking Management - Finance
AAMC Training Group
Melbourne, VIC10.2021
Certificate IV in Financial Services - Banking And Finance
Deakin Prime Victoria
01.2014
Higher School Certificate -
Penleigh and Essendon Grammar Schools
Essendon12.1986
Skills
- Excel
- Word
- Outlook
- Windows
- PowerPoint
- Record/file management
- Management of Taxation records
- Administration
- Cash handling
- Banking
- Consumer Lending
- Commercial Lending
- Sale of products and services
- Staff Management
- Time Management
- Verbal and written communication
- Public Speaking
- Presentation Speaking
- OH&S
- Government compliance
- Legislative compliance
- Event / conference management and planning
Work Preference
Work Type
Full TimeWork Location
On-SiteHybridImportant To Me
Career advancementWork-life balanceCompany CulturePersonal development programsWork Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Officer in Charge (temporary workforce)
Australian Electoral Commission
04.2025 - Current
Finance Broker / Loan Writer / Compliance Officer
MOR Finance - a Division of MOR Accountants
02.2016 - Current
Business Manager Financial Services
Ballarat Prestige Automotive (Ballarat BMW and Volkswagen)
05.2015 - 11.2015
Relationship Banker Business Banker
Westpac
01.2010 - 04.2015
Business Finance Manager Northern Victoria
Westpac
09.2002 - 01.2010
Branch Manager
Commonwealth Bank
04.2001 - 09.2002
Branch Manager
Colonial at Coles Franchise
10.1999 - 03.2001
Assistant Manager/Supervisor
Bendigo Bank
12.1995 - 10.1999
Sales Support Team Member
Westpac
09.1995 - 12.1995
Administration/Teller/Managers’ Assistant
Westpac
01.1987 - 09.1995
Diploma of Business Administration -
Swinburne University of Technology
Diploma of Finance & Mortgage Broking Management - Finance
AAMC Training Group
Certificate IV in Financial Services - Banking And Finance
Deakin Prime Victoria
Higher School Certificate -
Penleigh and Essendon Grammar Schools
Employment Timeline
- Finance Brokers Loan Writer, 02/2016, Present, MOR Finance Ballarat, Lending applications, proposals, compliance requirements, daily interaction with lenders & credit assessors, solicitors, business partners, file management & office management
- Business Manager Financial Services, 05/2015, 11/2015, Ballarat Prestige Automotive (Ballarat BMW and Volkswagen), Assistant to the Dealer Principal, Daily financial management of all vehicles sold and delivered, Daily management of up to 6 sales persons, Daily updating of the sales management reporting system, Assistance with event co-ordination (vehicle launches), Provision and compliance requirements for four lending providers and two insurance providers, Provision of lending and insurance products to assist with vehicle purchases, General customer service correspondence (verbal, written and/or electronic), High Net Worth, Business and Consumer clients
- Relationship Banker, 01/2010, 04/2015, Westpac, Administration and management of lending files, Loan application for Commercial and Agribusiness Managers, Compliance of lending files to meet Government and RBA legislation, Attainment of annual lending targets & KPIs, Responsibility of all current lending files, Customer correspondence and customer service, Conference and special event co-ordination, OH&S requirements for the office and external events, Assistant to the Senior Relationship Manager and Specialised Relationship Managers, Property Development, Medical Sector and High Value Commercial and Agribusiness clients
- Business Finance Manager, 09/2002, 01/2010, Westpac, Sale of Westpac Lending products and services, including equipment finance to new and existing Small and Medium Enterprise clients., Attainment of monthly, quarterly and annual sales plan, Development of new clients to the Westpac customer base, Business Finance Manager of the Year 2004/2005 and 2005/2006 for Northern Victoria, Small Business Owners and ‘Mum and Dad’ investors
- Branch Manager, 04/2001, 09/2002, Commonwealth Bank, Sales/Marketing/Budget planning and attainment, Management of 7 staff on a daily basis, Daily management of the branch, Management of the reference reports and out of order accounts, Control of all staffing issues such as annual leave, RDOs, training, coaching, quarterly reviews, Attainment of weekly, monthly and annual operational plans and reports, Achievement of branch targets in all areas, with the exception of Funds under Management, Reduced absenteeism, High morale level, Result of 4.5/5 for annual Gallop poll result, Introduction of 2 referral agents for consumer loans resulting in the achievement of triple the forecasted yearly budget in consumer lending
- Branch Manager, 10/1999, 03/2001, Colonial at Coles Franchise, Consumer lending, Management of 6 staff to provide 7 days a week banking, Sale of Colonial investment and insurance products, General banking duties, Attainment of monthly operational plans and reporting, Successful operation of the site from conception to closure (due to Commonwealth Bank merger), Sales exceeded targets sets for the 10 months the site was operational, Assisted in the redeployment of all staff to a suitable position within the Commonwealth Bank, Management of the merger of all High valued Colonial clients to Commonwealth Bank with 100% success rate against a target of 95%
- Assistant Manager/Supervisor, 12/1995, 10/1999, Bendigo Bank, Supervision of 7 staff, Control of all out of arrangement accounts, Lending – consumer and commercial, Loan processing, approvals and document preparation, Loan settlements – purchase, sale and refinance, Management of Saturday trading roster, 4 written acknowledgements from clients, Strong sales figures maintained, Establishment of external referral sources, Several 100% Mystery Shopper results, Merger of IOOF records and staff to Bendigo Bank, Relieved Managers position for extended periods due to resignations
- Sales Support Team Member, 09/1995, 12/1995, Westpac, Preparation of legal documentation, Monitoring of all accounts outside arrangements, Debt recovery, Preparation of all loan files for the Goulburn-Murray region, Loan settlements, Successful transfer of all files and accounts to Adelaide due to department relocation
- Administration/Teller/Managers’ Assistant, 01/1987, 09/1995, Westpac, Melbourne CBD, Shepparton and surrounding areas, Cash handling/teller duties, Cheque books management, Typing and clerical duties, Consumer lending, Loan interviews/processing and settlement, Relief of Accountants’, Assistant Managers’ and Senior Teller positions, Sale of Bank products and services, Promotion to various positions, Successful relocation to Shepparton
Hobbies and Interests
- Keeping fit and maintaining a healthy lifestyle
- Travelling
- Spending time with family, friends and pets
- Interior design and architecture
- Fashion
Employment Timeline
- Finance Brokers Loan Writer, 02/2016, Present, MOR Finance Ballarat, Lending applications, proposals, compliance requirements, daily interaction with lenders & credit assessors, solicitors, business partners, file management & office management
- Business Manager Financial Services, 05/2015, 11/2015, Ballarat Prestige Automotive (Ballarat BMW and Volkswagen), Assistant to the Dealer Principal, Daily financial management of all vehicles sold and delivered, Daily management of up to 6 sales persons, Daily updating of the sales management reporting system, Assistance with event co-ordination (vehicle launches), Provision and compliance requirements for four lending providers and two insurance providers, Provision of lending and insurance products to assist with vehicle purchases, General customer service correspondence (verbal, written and/or electronic), High Net Worth, Business and Consumer clients
- Relationship Banker, 01/2010, 04/2015, Westpac, Administration and management of lending files, Loan application for Commercial and Agribusiness Managers, Compliance of lending files to meet Government and RBA legislation, Attainment of annual lending targets & KPIs, Responsibility of all current lending files, Customer correspondence and customer service, Conference and special event co-ordination, OH&S requirements for the office and external events, Assistant to the Senior Relationship Manager and Specialised Relationship Managers, Property Development, Medical Sector and High Value Commercial and Agribusiness clients
- Business Finance Manager, 09/2002, 01/2010, Westpac, Sale of Westpac Lending products and services, including equipment finance to new and existing Small and Medium Enterprise clients., Attainment of monthly, quarterly and annual sales plan, Development of new clients to the Westpac customer base, Business Finance Manager of the Year 2004/2005 and 2005/2006 for Northern Victoria, Small Business Owners and ‘Mum and Dad’ investors
- Branch Manager, 04/2001, 09/2002, Commonwealth Bank, Sales/Marketing/Budget planning and attainment, Management of 7 staff on a daily basis, Daily management of the branch, Management of the reference reports and out of order accounts, Control of all staffing issues such as annual leave, RDOs, training, coaching, quarterly reviews, Attainment of weekly, monthly and annual operational plans and reports, Achievement of branch targets in all areas, with the exception of Funds under Management, Reduced absenteeism, High morale level, Result of 4.5/5 for annual Gallop poll result, Introduction of 2 referral agents for consumer loans resulting in the achievement of triple the forecasted yearly budget in consumer lending
- Branch Manager, 10/1999, 03/2001, Colonial at Coles Franchise, Consumer lending, Management of 6 staff to provide 7 days a week banking, Sale of Colonial investment and insurance products, General banking duties, Attainment of monthly operational plans and reporting, Successful operation of the site from conception to closure (due to Commonwealth Bank merger), Sales exceeded targets sets for the 10 months the site was operational, Assisted in the redeployment of all staff to a suitable position within the Commonwealth Bank, Management of the merger of all High valued Colonial clients to Commonwealth Bank with 100% success rate against a target of 95%
- Assistant Manager/Supervisor, 12/1995, 10/1999, Bendigo Bank, Supervision of 7 staff, Control of all out of arrangement accounts, Lending – consumer and commercial, Loan processing, approvals and document preparation, Loan settlements – purchase, sale and refinance, Management of Saturday trading roster, 4 written acknowledgements from clients, Strong sales figures maintained, Establishment of external referral sources, Several 100% Mystery Shopper results, Merger of IOOF records and staff to Bendigo Bank, Relieved Managers position for extended periods due to resignations
- Sales Support Team Member, 09/1995, 12/1995, Westpac, Preparation of legal documentation, Monitoring of all accounts outside arrangements, Debt recovery, Preparation of all loan files for the Goulburn-Murray region, Loan settlements, Successful transfer of all files and accounts to Adelaide due to department relocation
- Administration/Teller/Managers’ Assistant, 01/1987, 09/1995, Westpac, Melbourne CBD, Shepparton and surrounding areas, Cash handling/teller duties, Cheque books management, Typing and clerical duties, Consumer lending, Loan interviews/processing and settlement, Relief of Accountants’, Assistant Managers’ and Senior Teller positions, Sale of Bank products and services, Promotion to various positions, Successful relocation to Shepparton
Business Involvement
- G.V. Excavations (partner)
- Goulburn Valley Horse Transport (partner)
- Mathieson Motors/Stadium Used Cars (partner)
Hobbies and Interests
- Keeping fit and maintaining a healthy lifestyle
- Travelling
- Spending time with family, friends and pets
- Interior design and architecture
- Fashion
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