Luke Calder
Cardigan,VIC
Summary
Hardworking Relationship Manager proficient at devising personalized solutions to meet all types of customer demands. Positive and upbeat team player and clear communicator with demonstrated success 18 years of banking experience.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Agri Relationship Manager
Rabo Bank
Ballarat, VIC
09.2022 - Current
- Developed and maintained strong relationships with clients to ensure satisfaction and loyalty.
- Identified customer needs, developed customized solutions, and provided knowledgeable advice.
- Conducted regular client meetings to assess progress, discuss opportunities for growth, and address any concerns.
- Collaborated with internal teams to develop strategies that would increase customer engagement levels.
- Developed strategies to attract new customers while retaining existing ones.
- Monitored competitor activities and evaluated their strengths and weaknesses against our own business objectives.
- Ensured compliance with relevant laws and regulations when dealing with customers.
- Provided training sessions for colleagues on best practices related to relationship management.
- Conducted comprehensive relationship reviews to understand and develop solutions for client needs, partnering with specialists to resolve specific issues.
Rural Customer Manager
Rural Bank
Ballarat, VIC
09.2021 - 09.2022
- Ensured compliance with local, state, and federal regulations related to agriculture.
- Analyzed financial and credit data to evaluate the creditworthiness of potential borrowers.
- Developed loan packages with appropriate terms, conditions, and repayment options for commercial loans.
- Evaluated customer needs and recommended appropriate loan products.
- Reviewed loan requests for completeness and accuracy in accordance with established policies and procedures.
- Maintained knowledge of current economic trends that could affect the success of potential borrowers' businesses.
- Coordinated with other departments within the bank to process loan documents in a timely manner.
- Provided guidance to customers regarding their borrowing needs.
- Promoted new products and services offered by the bank through client meetings or presentations.
- Participated in industry events such as conferences or seminars to stay up-to-date on best practices in agri lending.
Branch Manager
Community Bank Ballan - Bendigo Bank
Ballan, VIC
01.2014 - 09.2021
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
- Developed strategies to increase customer satisfaction and loyalty.
- Managed staff scheduling, hiring and training processes.
- Reviewed loan applications to ensure accuracy and compliance with regulations.
- Conducted regular performance reviews for all employees in the branch.
- Monitored financial performance of the branch on a monthly basis.
- Implemented internal control procedures to minimize risk exposure and maximize profitability.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Maintained up-to-date knowledge of industry trends, competitive landscape and regulatory environment.
- Coordinated promotional campaigns for new products or services in order to boost sales revenue.
- Ensured compliance with established policies, procedures and regulations governing banking operations.
- Created reports summarizing operational performance metrics for board review.
- Assisted other branches when needed during peak periods or special projects.
- Facilitated weekly meetings with staff members to discuss progress on current initiatives.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Grew business banking and Agriibusiness relationships through proactive outreach.
Branch Manager
Community Bank Avoca - Bendigo Bank
Avoca, VIC
10.2011 - 01.2014
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
- Reviewed loan applications to ensure accuracy and compliance with regulations.
- Conducted regular performance reviews for all employees in the branch.
- Monitored financial performance of the branch on a monthly basis.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Participated in community events to promote brand awareness.
- Facilitated weekly meetings with staff members to discuss progress on current initiatives.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Verified cash by balancing cash drawers and maintaining cash count records.
- Worked cross-functionally to plan and establish branch goals, supporting strategic objectives.
- Supported outside sales force in servicing and obtaining new business.
Case Officer
Nursing Midwifery Council - United Kingdom
London, England
02.2010 - 10.2011
- Investigated and evaluated cases to determine appropriate action.
- Monitored legal developments in case law, legislation, regulations and policies.
- Prepared documents such as briefs, pleadings, motions and petitions.
- Analyzed evidence and facts of cases to identify applicable statutes and precedents.
- Attended court hearings to represent clients or the organization.
- Advised clients on the best course of action to take in a particular situation.
- Interpreted laws, rulings and regulations for individuals and organizations.
- Gathered information from witnesses, victims or other sources of data.
- Reviewed documents such as police reports or medical records.
- Maintained client files with up-to-date information about each case.
- Collaborated with lawyers to develop strategies for litigation.
- Performed administrative tasks such as scheduling appointments or filing paperwork.
- Met with clients to conduct needs assessments, recommending appropriate support and service offerings.
- Followed strict policies and procedures to maintain client confidentiality and keep data private.
Business Banker
Bendigo Bank
Ballarat , VIC
01.2008 - 01.2010
- Developed and maintained strong relationships with clients to ensure satisfaction of their banking needs.
- Assisted in the development of business plans, loan applications, cash flow projections, and other financial documents.
- Monitored client accounts on a regular basis to identify potential problems or opportunities for improvement.
- Analyzed client's credit history and provided recommendations regarding credit worthiness.
- Researched current economic trends in order to anticipate changes in the local economy that could affect customer portfolios.
- Evaluated loan requests from businesses according to established criteria.
- Recommended appropriate solutions based on individual customer needs such as lines of credit, term loans, guarantees
- Provided training sessions on basic banking principles such as budgeting, savings accounts.
- Reviewed loan documents for accuracy prior to submission for approval process.
Bank Teller
Community Bank Avoca - Bendigo Bank
Avoca, VIC
02.2005 - 01.2008
- Processed customer deposits and withdrawals accurately, balancing cash drawer daily.
- Maintained confidentiality of bank records, transactions and customer information.
- Provided exceptional customer service to customers by answering inquiries, resolving complaints and processing transactions in a timely manner.
- Assisted customers with opening new accounts and setting up online banking services.
- Verified customer signatures on documents and ensured accuracy of all paperwork before submitting for approval.
- Cross-sold bank products such as savings accounts and credit cards to existing clients.
- Identified suspicious activity on account holders' accounts and reported any discrepancies to the supervisor immediately.
- Performed cash handling duties including counting currency, coins and cheques.
- Balanced teller drawers regularly throughout the day according to established procedures.
- Educated customers about different types of banking services available at the branch.
- Handled large sums of money with accuracy while maintaining appropriate levels of security.
Education
Certificate IV in Frontline Management -
Locher Human Resources
Bendigo, VIC02-2015
VCE -
Maryborough Regional College
Maryborough, VIC11-1998
Skills
- Relationship Building
- Staff Success and Upskilling
- Critical Thinking
- Overcoming Objections
Certification
- Victorian Drivers license.
- Victorian Boat license PWC endorsed
Accomplishments
- Community Services Business Award - Ballan & District Chamber of Commerce Business Excellence Awards 2019
- Community Choice award Bendigo Bank State Awards 2020
- Number 1 nationally for Equipment Finance sales at Branch level 2020, 2021 & 2022
Timeline
Agri Relationship Manager
Rabo Bank
09.2022 - Current
Rural Customer Manager
Rural Bank
09.2021 - 09.2022
Branch Manager
Community Bank Ballan - Bendigo Bank
01.2014 - 09.2021
Branch Manager
Community Bank Avoca - Bendigo Bank
10.2011 - 01.2014
Case Officer
Nursing Midwifery Council - United Kingdom
02.2010 - 10.2011
Business Banker
Bendigo Bank
01.2008 - 01.2010
Bank Teller
Community Bank Avoca - Bendigo Bank
02.2005 - 01.2008
Certificate IV in Frontline Management -
Locher Human Resources
VCE -
Maryborough Regional College
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