Maria Nikolarakos
Bundoora,Victoria
Summary
Enthusiastic and proactive Lending Manager who provides excellent customer service throughout the loan process. Extremely self-motivated, professional, and highly proficient in developing creative solutions and implementing objective decision-making, whilst always striving to maintain a positive attitude and work hard to build team relationships.
Overview
15
15
years of professional experience
Work History
Relationship Manager
Bendigo And Adelaide Bank
09.2017 - Current
- Currently employed as a Relationship Manager for Delphi Bank
- My tasks and responsibilities include the following: Daily hygiene maintenance of Branch portfolio including maintaining portfolio hygiene threshold, ensuring they are below acceptable parameters
- Ensuring we meet all Risk compliance
- Strong focus on developing existing customer relationships, whilst growing the Bank's customer base through Business and Consumer lending, including associated deposit accounts and other products
- Lead the branch's efforts to identify community need, and support establishment of community enterprises
- Increase awareness of the Delphi Bank through engaging with local community, promoting Community Enhancement initiatives whilst communicating the strategy to staff so it can be well understood and embraced
- Develop other branch staff via dedicated weekly training and ensure they feel valued by the bank, customers and communities
- This includes coming up with a weekly training program
- Deliver the branches annual profit.
Home Lending Manager
Commonwealth Bank of Australia
09.2016 - 08.2017
- Build and maintain relationships with clients by identifying their financial needs and providing them with options on a range of lending and deposit products and services
- Provide specialist advice that will help enhance customer's financial wellbeing
- Develop and maintain strong working relationships with branch peers and help to educate and coach frontline colleagues, to achieve quality customer referrals
- Solely manage and process multiple Home Loan applications per week
- Achieve personal Gross Home Lending target of $36.0M for the financial year
- Assist the branch to achieve overall gross target of $60.0M for the financial year through Home Loan funding's and cross sales
- Consistently refer to other business divisions of the Group i.e
- Financial Planners, CommSec share trading or Commercial/Business banking
- Ensure all applications pass compliance / audit checks
- Ensure customer satisfaction is met.
Relationship Manager
Delphi Bank - Division of Bendigo and Adelaide Bank
10.2015 - 09.2016
- Role responsibilities and requirements were very similar to current role - please refer above for details.
Relationship Officer
Delphi Bank - Division of Bendigo and Adelaide Bank
08.2013 - 10.2015
- Reporting and Credit Control i.e., daily excess reporting / overdrawn accounts, managing accounts in arrears and maintaining weekly Sales Tracker
- Assist senior management with complex loan applications and solely run with all other loan applications
- Daily maintenance of the loan portfolio
- Assisted with educating customers on the variety of deposit / loan products available to best suit their needs
- Consistently established, built and maintained relationships with clients, prospects, internal and external service providers i.e., valuers, quantity surveyors, accountants, solicitors
- Ensured settlement process was managed efficiently from application, through to the day of settlement for all applications
- Ensured all loan drawdowns were in accordance with Letter of Offer and security documentation
- This coincided with ensuring loan facilities were correctly loaded on the Banking system i.e., name, limit, interest rate, repayments, review and expiry dates
- Ensured all relevant fees were charged i.e., Establishment fee, solicitors fee and valuation / QS invoices
- Continuously strived to expand knowledge through Kaplan and other online training provided by the organisation.
Customer Service Officer
Delphi Bank - Division of Bendigo and Adelaide Bank
07.2012 - 08.2013
- Daily transactions i.e., cheque/cash deposits and /or withdrawals
- Opened, maintained and closed everyday accounts i.e., Term Deposits, Controlled Money Accounts
- Assisted with customer phone calls / general enquiries
- Often accepted higher duty responsibilities of a Customer Service Manager at the Head Office Branch
- Fast became proficient with the Banks Internet Banking system and assisted with the Internet Banking help-desk at Head Office
- Nil transactional discrepancies.
Second in Charge (2IC)
Globalize Clothing Store
04.2009 - 07.2012
- Whilst completing my Bachelor degree, I was employed on a casual basis for Globalize clothing store
- My daily tasks comprised of the following: Managed a team of up to 10 employees at the Watergardens Shopping Centre store
- Responsible for daily banking and payroll
- Achieving daily sales target of approximately $5k+ per day
- Worked alongside the Store Manager to organise the monthly roster
- Dealt with customer complaints
- Ordered stock and sent out excess stock
- Responsible for store styling.
Education
Bachelor of Biomedical Science -
Victoria University
01.2011
Penleigh and Essendon Grammar School
01.2006
Sofocleous Greek Language School
01.2004
Skills
- Excellent in building relationships between external and internal service providers
- Strong interpersonal and customer service skills
- Work well within a team environment and high-pressure situations In addition, proven ability to successfully work individually
- Proficient in suggesting and implementing effective strategies to meet targets and/or improve efficiencies within the organization
- Adept at building strong customer relationships and increasing customer awareness of Bank's products and services
- Great attention to detail
- Credit analysis skills
- Prior cash handling experience
- Multi-lingual in the English and modern Greek languages
Accomplishments
- 2014 (Relationship Officer Essendon Branch) - Completed Settlement Process Timeline, which was distributed Bank wide.
- 2014 (Relationship Officer Essendon Branch) - Completed 'Administrative Guide to Lending' manual which was distributed Bank Wide.
- 2014 (Relationship Officer Essendon Branch) - Performed higher duties whilst Senior Relationship Manager was away for 8 months. This included managing branch portfolio by maintaining reviews / expiry dates for all business loans, maintain nil watchlist (over drawn account list), manage client groups on my own by assisting with daily enquiries, writing deals and meeting settlement deadlines.
- 2014 (Relationship Officer Essendon Branch) - Actively involved across the branches pipeline and networking events. The Business strategy was discussed on a weekly basis whereby I managed the meetings and assessed the urgency of deals. This was also my responsibility at Preston Branch and Sunshine branch.
- 2014 (Relationship Officer Essendon Branch) - New credit risk rating system was introduced September 2014 and entire lending portfolio needed to be uploaded and rated by the 31st of December 2014. This was completed on time.
- 2015 (Preston Branch) - Up-skilled / trained new relationship Officer at Preston Branch.
- In October 2015, was promoted to Relationship manager for Sunshine Branch.
Languages
Greek
Limited Working
Timeline
Relationship Manager
Bendigo And Adelaide Bank
09.2017 - Current
Home Lending Manager
Commonwealth Bank of Australia
09.2016 - 08.2017
Relationship Manager
Delphi Bank - Division of Bendigo and Adelaide Bank
10.2015 - 09.2016
Relationship Officer
Delphi Bank - Division of Bendigo and Adelaide Bank
08.2013 - 10.2015
Customer Service Officer
Delphi Bank - Division of Bendigo and Adelaide Bank
07.2012 - 08.2013
Second in Charge (2IC)
Globalize Clothing Store
04.2009 - 07.2012
Bachelor of Biomedical Science -
Victoria University
Penleigh and Essendon Grammar School
Sofocleous Greek Language School