Melanie Williams
Summary
Highly skilled Loan Specialist, hardworking professional with over 20 years lending experience. Knowledgeable in all loan credit procedures. Well-versed in loan procedures and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty.
Overview
19
19
years of professional experience
Work History
Home Loan and Investment Manager
ANZ Bank
Miranda, NSW
09.2022 - Current
- Demonstrated residential lending and retail banking experience
- Excellent engagement skills and relationship building skills with staff and customers
- Highest NPS for customer service in my region with a 10/10 overall score for customer satisfaction
- Highest achiever with newly added Home Loan Credit card enabled applications
- Successfully grown the branch net by 16mil in my first 12 months
- Established strong client relationships through regular communication, ensuring trust in our lending process.
- Handling complex lending inquiries professionally, and providing clear explanations.
Consultant - Remediation
KPMG
01.2020 - 09.2022
- Strong attention to detail
- Remediation of complex files
- Strong analytical skills
- High level of problem solving
- Working autonomously whilst also working as part of a team to reach team targets.
- Evaluated client needs and expectations, establishing clear goals for each consulting engagement.
- Collaborated with cross-functional teams to successfully deliver comprehensive solutions for clients.
Director
Self Employed - Now Cryotherapy
Wollongong, NSW
07.2017 - 01.2020
- Built business from start
- Building rapport and relationships with clients
- Setting up of Company / Accounts
- Management of staff / Payroll / staff training
- Social Media management.
- Advertising, promotion and digital marketing
Home Finance Manager
WESTPAC BANKING CORPORATION
03.2013 - 07.2017
- Build a successful portfolio from scratch by networking internally / externally
- Structure and assessment of residential loans
- Cross sell a variety of Westpac products including wealth reviews
- Face to face loan interview and loan documentation sign ups.
Senior Underwriter
IMB
06.2012 - 03.2013
- Assessment of Residential Mortgage Loans including self employed applications
- Liaising with lenders, branch managers, mortgage insurers, valuers and internal stakeholders
- Assist lenders in structuring of loans
- DLA of 500k held
- Excellent decision-making skills and thorough investigation of all accounts.
- Reviewed all accounts to make accurate decisions by accounting for risk and exposure.
Premier Relationship Manager - Retail Banking
HSBC
08.2010 - 08.2012
- Individual reviews on existing and new clients, to achieve cross sells and solutions
- Excellent understanding of the end to end mortgage process
- Obtain new business and referrals through networking and existing referrals
- Maintain a busy portfolio of 150+ clients and source new business.
- Collaborated with internal partners to generate cross-selling opportunities, maximizing revenue for the bank.
- Delivered exceptional service through active listening, empathetic communication, and prompt follow-up on client requests.
Relationship Manager - Institutional Banking
COMMONWEALTH BANK
06.2006 - 02.2009
- Maintained a diverse portfolio of high net worth clients
- Analyse and recommended complex credit proposals
- Identified and developed new business through existing and new clients
- Integral part of pitching loan/investment packages to new and existing client
- Managing loan documentation of substantial contracts (full shopping centre leases, contracts and negotiations)
- Attending and organising social events for clients.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
Loans Officer - Premium Banking
COMMONWEALTH BANK
06.2005 - 06.2006
- Meeting and exceeding team and individual targets
- Ensure efficient processing of loan variation and verification
- Keeping clientele informed at all stages of loan process
- Compliance of all loan documentation.
- Attended personnel meetings and training sessions to improve skills and learn new policies and procedures.
- Mentored junior staff members, helping them develop their skills and advance in their careers.
Skills
- Credit analysis
- Loan Origination
- Portfolio Management
- Decision-Making
- Analytical and Critical Thinking
- Excellent client rapport
- Loan File Maintenance
- Staff training / upskilling
Coursesachieved
- Diploma in Financial Planning
- Interpretation and Analysis of Financial Statements
- Macquarie University Credit Management Skills
- Certificate IV in Business Administration
- Business Proposal and Writing Skills
- Public Speaking and Presenting
References
References available upon request
Timeline
Home Loan and Investment Manager
ANZ Bank
09.2022 - Current
Consultant - Remediation
KPMG
01.2020 - 09.2022
Director
Self Employed - Now Cryotherapy
07.2017 - 01.2020
Home Finance Manager
WESTPAC BANKING CORPORATION
03.2013 - 07.2017
Senior Underwriter
IMB
06.2012 - 03.2013
Premier Relationship Manager - Retail Banking
HSBC
08.2010 - 08.2012
Relationship Manager - Institutional Banking
COMMONWEALTH BANK
06.2006 - 02.2009
Loans Officer - Premium Banking
COMMONWEALTH BANK
06.2005 - 06.2006