Komal Kavita Kissun
8 King St, St Mary's,Australia
Summary
Accomplished Banking Professional with 17 years of experience in credit risk and lending. Proven expertise in customer-centric roles, enhancing client satisfaction and loyalty. Committed to continuous learning and knowledge sharing within teams. Seeking opportunities to leverage skills in a dynamic, collaborative environment.
Overview
18
18
years of professional experience
Work History
Manager Personal Credit
Westpac Banking Corporation
Suva, Fiji Islands
05.2021 - 12.2025
- Ensured credit decisions within Credit Approval Authority adhered to underwriting standards and risk appetite.
- Applied extensive knowledge of economic, industry, and market data to inform assessment criteria.
- Collaborated with various bank units to influence favorable risk/reward outcomes.
- Coached lending managers on effective structuring of credit proposals.
Personal Banking Manager - Staff Lending
Westpac Banking Corporation
Suva, Fiji Islands
01.2019 - 05.2021
- Managed $30 million portfolio for Westpac Staff Loans, encompassing personal, home, investment, overdraft, and vehicle loans.
- Provided tailored financial solutions to Westpac Fiji staff based on individual needs.
- Proactively monitored client accounts to ensure alignment with financial positions.
- Resolved complex client issues through extensive knowledge of banking products.
- Handled staff inquiries, complaints, and escalated concerns to ensure timely resolution.
- Coached team members on product knowledge and compliance with policies.
- Collaborated effectively with Credit Team to facilitate quality submissions and minimize reworks.
Personal Banker - Motor Vehicle Lending Specialist
Westpac Banking Corporation
Suva, Fiji Islands
03.2017 - 12.2018
- Pioneered specialized role in motor vehicle lending, driving substantial sales growth.
- Established strong network within automotive industry to enhance business relationships.
- Developed and maintained strong clientele relations with corporate employees, offering door-to-door lending services.
- Achieved outstanding results by meeting KPIs through proactive collaboration with credit team.
- Trained graduate trainees on responsible lending practices, enhancing team knowledge.
- Managed credit files to uphold filing standards and ensure compliance.
Personal Banker
Westpac Banking Corporation
Namaka, Fiji Islands
01.2014 - 02.2017
- Delivered lending and financial services to corporate clients.
- Managed effective arrears and delinquency reporting processes.
- Conducted proactive credit file reviews to uphold credit-filing standards.
- Collaborated with Credit Team to ensure high-quality submissions with minimal revisions.
- Assisted with cash checking and counts, demonstrating teamwork and flexibility.
- Identified sales opportunities for bank services, contributing to strategic sales targets.
Customer Service Advisor/Teller/Proof Operator
Westpac Banking Corporation
, Fiji Islands
09.2007 - 12.2013
- Facilitated quality referrals to specialists by thoroughly assessing customer needs.
- Delivered superior customer service while reducing wait times and enhancing satisfaction.
- Cultivated strong relationships within immediate and cross-functional teams across Fiji and Pacific.
- Completed compliance training and utilized procedures for effectively managing customer feedback.
- Engaged customers in meaningful conversations to uncover current and future needs.
Education
High School Diploma -
Votualevu College
Nadi Fiji Islands01.2005
Skills
- Quality assurance process
- Credit analysis
- Credit proposal structuring
- Portfolio management
- Customer relationship management
Hobbies and Interests
- Social Networking
- Travelling
- Music
- Meditation
- Badminton
- Swimming
- Dancing
- Reading
- Painting
- Archery
Languages
- English
Additional Information
2017 - Nominated and selected to Attend Westpac's 'The Youth Network Summit' in Sydney Australia.,
Accredited to Financial First Steps Training -WBC, 2012.
Recognition of Learning - Delighting Our Customers - WBC, 2007
Tuning In Workshop - WBC,2005, Certificate of Merit in Leadership Qualities, 2004
Achievement Award - Australasian Schools English Competition [NSW] Sponsored by Westpac Awards, 2003.
Certificate of Credit - Australasian Schools English Competition [NSW] Sponsored by Westpac Awards, 2003,
Certificate of Credit - Fiji Mathematics Competition [MOE], 2003
Certificate of Credit - Fiji Mathematics Competition [MOE], 2002
Achievement Award - Australian Schools English Competition [NSW] sponsored by Westpac Awards, 2002, Certificate of Distinction - Fiji Mathematics, 2002,
Certificate of Credit - Australian Mathematics Competition for the Westpac Awards, 2000.
References will be available upon request.
Timeline
Manager Personal Credit
Westpac Banking Corporation
05.2021 - 12.2025
Personal Banking Manager - Staff Lending
Westpac Banking Corporation
01.2019 - 05.2021
Personal Banker - Motor Vehicle Lending Specialist
Westpac Banking Corporation
03.2017 - 12.2018
Personal Banker
Westpac Banking Corporation
01.2014 - 02.2017
Customer Service Advisor/Teller/Proof Operator
Westpac Banking Corporation
09.2007 - 12.2013
High School Diploma -
Votualevu College