Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Timeline
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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

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Maria Nikolarakos