Summary
Overview
Work History
Education
Skills
Timeline
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Melissa Howard

Dimboola,VIC

Summary

Experienced Customer Relationship Officer with a proven track record at Dimboola & District Financial Services, excelling in building trust and loyalty. Skilled in risk management and compliance, I effectively assess loan applications while fostering strong customer connections, ensuring a seamless experience and contributing to business growth.

Overview

2026
2026
years of professional experience

Work History

Customer Relationship Officer

Dimboola & District Financial Services
06.2024 - Current
  • Assess and approve personal loan and credit card applications in line with lending policy and risk guidelines.
  • Build and maintain strong customer relationships to support business growth and retention.
  • Attend regional Customer Experience and Wealth meetings and relay information back to branch team.
  • Encourag and assist colleagues in using new skills to improve the relationship between our customers and the bank.
  • Conducting over-the-counter transactions, open new accounts, and resolve general customer enquiries efficiently and accurately.


Customer Service Officer

Dimboola & District Financial Services
07.2019 - 06.2024
  • Conduct over-the-counter transactions, open new accounts, and resolve general customer enquiries efficiently and accurately.
  • Work collaboratively in a team environment to deliver a seamless and positive customer experience.
  • Identify customer needs and provide suitable financial solutions to meet their goals.
  • Conducting both mandatory and additional training to maintain a high level of skill and knowledge to efficiently complete task required within policy and risk guidelines.

Transport Manager

Australian Defence Force
02.2009 - 03.2014

Complete Basic Training Course, Driving Course, Junior Leadership Course and Transport Managers Course to ensure required skill level was achieved to safely and effectively lead a section of soldiers.

Being responsible for the day-to-day management of 6-10 soldiers, conduct training, maintain their safety at all times and ensure all tasks were completed to a high standard following policies and procedures at all time.

Managing a fleet of 120 vehicles, ensuring routine services were scheduled, vehicles were maintained and cleaned, vehicles were configured for required tasks and ready to move out at any given moment.

Assigning soldiers to vehicles, creating suitable routes and planning 7 - 10 day operations to include rest breaks and overnight stops adhering to National Heavy Vehicle Regulations.

Kennel Hand

Vern Ryan's Pet Resort
2008 - 2009
  • Supervised daily care and feeding of animals, ensuring adherence to nutritional guidelines.
  • Maintained cleanliness and sanitation of kennels, promoting a healthy environment for pets.
  • Administered medications and treatments as directed by veterinarians, ensuring pet health compliance.
  • Segregating and effectively controlling dangerous dogs to maintain the safely of all staff and other animals.

Restaurant Team Member

SUBWAY Restaurants
2007 - 2008
  • Delivered exceptional customer service in fast-paced restaurant environment.
  • Collaborated with team members to ensure efficient order fulfillment and food preparation.
  • Trained new staff on operational procedures and safety standards.
  • Maintained cleanliness and organization of dining and kitchen areas.

Education

FSRA Tier 2 Accreditation

Deakin University
07-2019

Diploma of Logistics

Careers Australia
01-2016

Bacchus Marsh Secondary College
01-2008

Skills

    Professional presentation - Confident and approachable communication style

    Empathy and patience - Handling complaints or complex requests calmly and in a timely manner

    Product knowledge - Deep understanding of savings, loans, credit cards and investment products

    Compliance awareness - Following KYC (Know your customer), AML (Anti Money Laundering) and privacy regulations

    Risk management - Raising red flags in transactions and customer discussions

    Customer relationship building - Developing long-term trust and loyalty

    Attention to detail - Ensuring data accuracy and compliance with procedures

    Computer literacy skills - Competent in all banking systems, Outlook, Teams, Excel and Docusign

Timeline

Customer Relationship Officer

Dimboola & District Financial Services
06.2024 - Current

Customer Service Officer

Dimboola & District Financial Services
07.2019 - 06.2024

Transport Manager

Australian Defence Force
02.2009 - 03.2014

Kennel Hand

Vern Ryan's Pet Resort
2008 - 2009

Restaurant Team Member

SUBWAY Restaurants
2007 - 2008

FSRA Tier 2 Accreditation

Deakin University

Diploma of Logistics

Careers Australia

Bacchus Marsh Secondary College
Melissa Howard