Mervin Smith

• Define strategic business objectives, build and maintain key referral and customer relationships, identify business opportunities, negotiate and close business deals and maintain extensive knowledge of current market conditions.
• Contribute to the development and execution of the growth strategy for the region.
• Plan, strategise and organize business activities towards accomplishment of business goals, including but not limited to coach, train and support other BDMs within the business.
• Research and identify new business opportunities - including new markets, growth areas, trends, customers, partnerships, products and services.
• Maintain and develop relationships with existing/new clients and networks. Identify and convert new business opportunities in the assigned market/products/territory.
• Drive financial and customer outcomes resulting in profitable loan settlements.
• Drive revenue growth to exceed sales targets.
• Loan approval target of minimum 24 loans per year, with minimum $5M per month as the lending value (settlement target).
• Enhance brand reputation, market company’s products to new clients and manage existing borrowers, with timely payouts and sound exit strategies. Assist with the same across the business with other BDMs.
• Manage and engage with counterparts in other Private Funders to facilitate payouts of existing clients as applicable and drive new opportunities.
• Report to Management on business progress, budgeted targets and propose business enhancement strategies as well as feasible action plans.

• Delivering exceptional growth results in sales activity, revenue, productivity and

branch profit

• Improving sales and referral performance of the branch

• Understanding and meeting the needs of current and potential customers

• Achieve a significant uplift in customer engagement and advocacy, Manage customer issue resolution and create real customer value.

• Set a direction to the branch to deliver growth that meets your District objectives

• Monitor time , energy and resources of the team and lead , coach and engage them to deliver

• Oversee daily branch activities and ensure individual and branch compliance to Westpac policies and procedures

• Drive and support the continued transformation of the branch and contribute to improvement in the district performance and Westpac brand profile

• Allocate targets to branch staff and drive branch performance

• Identify risk and security issues within branch and determine remediation plans

• Work with various lenders to find the best deal for the homebuyers.
• Originate loans to sell to lending institutions.
• Act as an intermediary between a lender and a borrower who needs a mortgage.
• Evaluate pays lips , Credit history , Tax information and Bank statements for financial status.
• Work to ensure compliance with banking and or finance laws in the jurisdiction of the customer.
• Sell loans in the name of Other organisations and businesses.
• Verify information of the borrower as well as gather their credit information.
• Follow through with lender and client during approval process .
• Explain the legal aspects of the loan to a borrower as well as the payment terms and clauses .
• Define repayment terms to Clients and educate them on default consequences

• Delivering exceptional growth results in sales activity, revenue, productivity and

branch profit

• Improving sales and referral performance of the branch

• Understanding and meeting the needs of current and potential customers

• Achieve a significant uplift in customer engagement and advocacy, Manage customer issue resolution and create real customer value.

• Set a direction to the branch to deliver growth that meets your District objectives

• Monitor time , energy and resources of the team and lead , coach and engage them to deliver

• Oversee daily branch activities and ensure individual and branch compliance to ANZ policies and procedures

• Drive and support the continued transformation of the branch and contribute to improvement in the district performance and ANZ brand profile

• Allocate targets to branch staff and drive branch performance

• Identify risk and security issues within branch and determine remediation plans

• Grow revenue, deposits and share of wallet through origination of new small

business customers to ANZ, cross selling and the relationship management and retention of a set of ANZ small business customers.

• Grow direct LHS revenue and FUM through increasing deposit and lending FUM and effective margin management

• Hold deep conversations with customers to add value, uncover and meet financial needs and ultimately increase customer share of wallet, products per customer and indirect RHS revenue

• Source new customers to ANZ Bank

• Record discussions for future reference and cross sell

• Resolve issues/complaints

• Customer and Stakeholder satisfaction

• Collaborate within the team and contribute to a high performance culture

• Stakeholder management with business partners

• Work effectively and collaboratively as part of a unified team

• Support engagement and culture in the team

• Work effectively and collaboratively with key stakeholders

• Assist Team Manager to consistently improve service and profitability Assist in the Training of new staff members
• Act as a Subject Matter Expert in ANZ Business Banking systems and products
• Assist Team Manager to provide direction and effective communication ensuring staff are informed and committed to achieve departmental and organisational objectives
• Identify high potential customers through research and proactively call them to maximise sales results which include Business lending, Deposits and referrals
• Ensure sales opportunities are maximised during day-to-day activities.
• Develop and maintain relationships that provide potential sources of sales leads.
• Engage specialists via a referral to assist the customer and follow up to ensure the customer needs and referral targets are met
• Maintain service provision in terms of customer satisfaction and relationship management for both internal and external customers, and take corrective action where required.
• To be the reference point for the Small Business relationship customers, including loan queries, deposit queries, Not Sufficient Funds (NSF) assessment, insurance, funds management, Esanda etc.
• Continually identify opportunities for service improvement.
• Current Achievements
• Successfully outperformed and scored KRA 1 within the first half.
• A significant growth in the current deposit book by 17% and acquired 63 million Worth new deposits.
• Received multiple awards several months in a row for being the top performer.

• Inbound service proposition
• Available to assist Business customers
• Present a professional image of national to all customers and prospects at every interaction.
• Maintain a strong focus on first-call resolution and on availability to talk to customers when scheduled.
• Provide existing customers and prospects with correct information regarding National products and services, including their options.
• Ensure a high level of customer satisfaction.
• Input customer details, activities and opportunities into the Siebel system and refer to appropriate specialists.
• Ensure all personal training records are maintained and kept up to date.
• Prepare for, attend and participate in all weekly sales and operations meeting, 48 hour end-of-week debriefs, and coaching sessions.

• Provide a high level of customer service to internal Customers Branches & Bankers)
• Build and maintain a network of customers and referral partners
• Actively look for business through customer referrals and customer advocacy
• Assessing self-employed applications and opening business transaction accounts
• Manage a portfolio of clients and service all customers enquiries and offer different lending products and service existing loans and to cross sell
• Setting up customers with home loans, personal loans, Credit cards, transaction Accounts and overdraft facilities
• Establishing customers general insurance, Home and contents, car and Land lords insurance
• Conducting credit assessments to determine customer’s risk
• Processing (ECL) Electronic Consumer Lending Applications and self-employed Business Applications
• Having Goals to choices conversations to make sure all the customers banking needs are met referring customers to wealth for further financial advice
• Organizing Valuations, Creating and Linking Mortgage securities
• Cross selling other products and services of National Australia Bank
• Successful completion of Tier-1 and Tier-2 FSRA Training