Letticia Ernst
Greenbank
Summary
Accomplished Senior Lending Specialist at Suncorp Bank, adept in credit analysis and fostering client relationships, significantly exceeded approval targets, enhancing customer satisfaction. Leveraged operational efficiency and effective communication to mentor peers and drive department success, showcasing a commitment to excellence and a customer service-focused approach.
Professional lending specialist with robust experience in financial services and customer relations. Adept at navigating complex lending procedures and delivering impactful solutions. Strong focus on team collaboration and adapting to changing needs, ensuring reliability and consistent results. Skilled in risk assessment, client negotiation, and compliance, with keen understanding of industry best practices.
Overview
17
17
years of professional experience
Work History
Senior Lending Specialist
Suncorp Bank
01.2015 - Current
- Conducted thorough due diligence on prospective borrowers to ensure sound credit quality and minimize risk exposure.
- Established strong relationships with key business partners, promoting long-term growth and success.
- Mentored new lending specialists, providing guidance on industry best practices and fostering professional development.
- Contributed significantly towards organisation''s reputation as a trusted financial services provider by delivering exceptional customer service and offering tailored lending solutions to clients.
- Played a pivotal role in achieving department goals by exceeding individual approval targets consistently throughout tenure as Senior Lending Specialist.
- Increased customer satisfaction by delivering personalised service and addressing complex financial needs.
- Developed comprehensive risk assessments to minimize potential losses and maintain profitability.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of approving loans.
- Performing assessment and decision applications within my DCA of $2m or recommending to higher credit.
- Regularly helping with the coaching/training team with floor support for up to 80 lenders when required.
- SME for ongoing projects
Performance Coach
Suncorp Bank
12.2012 - 01.2015
- Designed comprehensive performance assessments for identifying growth opportunities in client skill sets.
- Maintained up-to-date knowledge of industry trends to provide relevant coaching strategies.
- Enhanced individual performance by implementing customized coaching plans tailored to unique strengths and weaknesses.
- Applied training techniques to improve performance both in competitive play.
- Onboarding training of all new lenders via workshops.
- Ongoing training and support for existing lenders.
- Maintained strong relationships will all Stakeholders.
- Developed personalised training plans for improved lending results and overall performance.
Lending Officer
Suncorp Bank
12.2007 - 11.2012
- Guided borrowers through complex transactions with ease by clearly explaining all aspects of the lending process.
- Increased loan approval rates by efficiently assessing borrower profiles and accurately determining creditworthiness.
- Developed strong relationships with borrowers, providing exceptional customer service and fostering trust throughout the lending process.
- Conducted thorough financial analyses to identify potential risks and opportunities within clients'' portfolios, optimising their lending experience.
- Maintained a high level of industry knowledge, staying current on market trends and regulatory changes affecting lending practices.
- Assisted in training new Lending Officers, sharing best practices and helping to improve overall team performance.
Education
High School Diploma -
Nyanda State High School
Brisbane11-2000
Skills
- Loan structuring
- Loan servicing
- Operational efficiency
- Credit analysis
- Collateral evaluation
- Customer service-focused
- Time management
- Attention to detail
- Organisational skills
- Effective communication
- Creditworthiness determination
Timeline
Senior Lending Specialist
Suncorp Bank
01.2015 - Current
Performance Coach
Suncorp Bank
12.2012 - 01.2015
Lending Officer
Suncorp Bank
12.2007 - 11.2012
High School Diploma -
Nyanda State High School
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