Michael Jamison
Kinross,WA
Summary
Finance and customer service specialist with a comprehensive understanding of lending dynamics. Expertise in fostering client relationships through engaging presentations and mentoring. Aiming to leverage diverse finance skills and a passion for continuous improvement in a challenging role.
Overview
26
26
years of professional experience
Work History
Contracted Mortgage and Finance Broker
Finance 48 PTY Limited
03.2025 - Current
- The role is primarily to provide lending services in the Home Loan sector for both Owner Occupied and Investment loans.
- I have clear and engaging presentation skills along with the ability to motivate and inspire and provide effective feedback and mentoring.
- Together with the Director of Finance 48 I have presented finance seminars for teachers, members of the Energy West Social Club, Optometry Australia.
- These have been so successful with positive client feedback that we have additional seminars booked.
Lending Manager
Teachers Mutual Bank Limited
Sydney, Australia
08.2022 - 03.2025
- Employed as a Lending Manager in the Lending Solutions team based in Sydney, however, I work in Perth and I am the only lender in Western Australia.
- The primary duty of this position is to provide lending services for Home Loans and Personal loans across the Teachers Mutual Brands.
- The brands are Teachers Mutual Bank, Health Professionals Bank, Firefighters Bank, and Unibank.
- As a Lending Manager, I am responsible for meeting with clients either by Zoom or by phone and on occasion face to face, preparing the application and overseeing the process through to settlement.
- Loans cover all facets of home lending and personal lending.
Home Finance Manager
Westpac
Perth, Australia
05.2021 - 07.2022
- Employed as Home Finance Manager in the Digital Connect Team based in Perth WA.
- The primary duty of this position is to provide all facets of home finance for both residential and investment customers, including purchases, refinances, construction and top up loans.
- As a Digital Home Finance Manager, I am responsible for all the interviewing, application processing and finalising of the process for all my customers.
- As the position is digital all of the work is undertaken by phone and on occasion using Microsoft Teams, I am able to work with clients all over Australia not just those in WA, in fact the majority of customers would be out of state for my team and me.
Customer Specialist/Consultant
Bankwest
02.2019 - 05.2021
- Employed as a Customer Specialist/Consultant.
- Primary duties include customer engagement, interviewing customers to ascertain their needs including opening accounts, credit cared applications, personal loan applications and applications for mortgages.
- I have prepared applications for new home buyers, refinances, construction loans and renovation loans.
- In addition I have prepared loans for personal use and for vehicle and asset purchases.
- I am Branch Based and required to fulfil the duties that go with being in constant contact with customers.
Mortgage Broker
Aussie Home Loans
10.2017 - 02.2019
- Self Employed as a Mortgage Broker predominantly in the Home Loan Sector but also doing Asset and Commercial Finance.
- I have all of the requisite qualifications and memberships required to be a Mortgage Broker including a Diploma in Finance and Mortgage Management, membership of MFA and CIO.
- I have over 1 ½ years’ experience in meeting with customers, ascertaining their needs and lodging and following deals through to settlement.
Consultant
Self Employed
06.2016 - 10.2017
- Self Employed as a consultant helping businesses with Coaching/Mentoring and financial advice.
- In addition to this I have taken on further studies in the field of Financial planning and I am currently completing the Diploma through Monarch Institute.
- It is my intention to continue additional studies in Finance.
Corporate Manager
Southern Districts Support Association
Armadale, Australia
04.2016 - 06.2016
- As the Corporate Manager I was in overall charge of the Finance, Risk and HR of Southern Districts Support.
- Duties included: Manager of the Finance function of the organisation including supervision of two staff members, Preparing the Annual Budget with input of the Finance Manager and the CEO, Preparation of the costing documentation and calculation for the NDIS function of the organisation, Preparation and overseeing of the Risk Management of the organisation, Management of the Lotteries House in Armadale and liaison with the other organisations that were based there, Overall asset management of the Southern Districts Support building on the adjacent property and the management of the vehicle fleet of 4 Vans, 1 Bus and 5 cars, Liaison with the local City of Armadale, Management of the HR function and Management of the Care Contractors.
- I moved into this position due to my interest in working in the Not For Profit Aged Care Sector and I was pleased to take the position.
- However, at the time my eldest son who has Asperger's Syndrome was in his final year of High School and was not coping with the emotional pressures of his studies.
- In addition my wife became extremely unwell and needed my support at home.
- The travel time to Armadale from Kinross was approximately two hours each way limiting my time to support my family.
- I chose to resign from this position to give more time to my family.
Executive Manager – Corporate Services
Mental Health Carers ARAFMI (WA) Inc. T/A Helping Minds
02.2015 - 03.2016
- As executive Manager Corporate Services my responsibilities are to oversee the entire range of Corporate services of Helping Minds, these include, Finances, OH and S, Policy development, Human Resources, Customer Service Advisory and Staff training.
- I do have a number of staff involved in each area, for example there are four staff members taking care of the financial area.
- Over the period that I have been at Helping Minds I have taken charge of the HR Role and have been involved in sorting a number of issues between staff members, between staff and management and between staff and the organisation, all have been resolved amicably.
- As part of my role I have been involved in a number of projects as follows: Implementing a new financial management system, we are moving the organisation from using MYOB to using NetSuite as this will be more scalable as we move into a new funding arena over the next couple of years, Changing the IT system from a server based one to a Cloud based service as this is also scalable over time and in the long run cheaper than purchasing and continually upgrading hardware, Implementing a new integrated communication system that covers our telephones, email and internet services, moving to a VOIP based phone service, Implementing Office 365 across the organisation.
- I have been managing all of these projects at the same time in addition to performing my normal duties.
- These are all coming to a close in the next few months with the final component being the full implementation to NetSuite on 1 July 2016.
- My key achievement over this time has been the managing of the above projects, running this number of projects at the same time would generally not be advisable however they are coming on line successfully and are within the budgeted framework.
- Successfully overseeing the HR function, this was an area that although I had some experience in was for the most part new ground for me.
- I have completed the CCI HR Management course which has given me excellent generalist knowledge in the area.
- I have had some issues that were outside my expertise and I then used an outside consultant.
- Helping Minds did not have a policy or a process for the Risk Management function, I developed and implemented an integrated policy and process including an Excel based Risk Management register.
- This was considered by the Board to be an excellent and detailed piece of work and I was commended for this.
Financial Controller/General Manager
PEP Transport Perth WA
03.2013 - 11.2013
- As General Manager I was responsible for the day to day management across three sites and four Business Units across the Perth Metro area.
- My duties included financial management, personnel management and development, the generation of new business opportunities and looking after and growing the existing business.
- In addition to the standard General Manager role I also took it upon myself to undertake staff development training.
- I started a new programme just prior to being retrenched.
- This included Employee Engagement Strategies for both Employer and Employee.
- I implemented, monitored KPI’s for the different employee positions and I was responsible for recruiting new staff and at times terminating staff.
- Management of 100 plus contractors that worked with the company either as Parcel drivers, Couriers or Taxi Truck operators.
- Ensuring that they were in compliance with their legal obligations and their contractual obligations to the company.
- Financial Controller in charge of the financial affairs of the Company and 4 finance staff.
- Responsible for the efficient running of the call/dispatch centre.
- Business growth and development oversight.
- Personnel management of 40 plus staff and 100 plus subcontractor drivers.
- Setting KPI’s and performance management.
- Designing, implementing and facilitating staff training and development.
- Overall control of three sites, Osborne Park Parcel branch and two 3PL warehouses in Welshpool.
- Successfully oversaw the running of four distinct business units, Parcel pick-up and delivery, Taxi Trucks, Couriers and 3PL Warehousing and Logistics.
- Responsible for Profit and Loss, Budgeting and Cash flow Forecasting and monitoring, and other financial duties.
Chief Executive Officer
Hutt & City Taxis Ltd
08.2009 - 01.2013
- As CEO, Director and Company Secretary, I had overall responsibility for the operational management, financial oversight, cash flow management and profitability of an Approved Taxi Organisation across four sites whilst managing 28 staff and operating a 24 hours per day, 7 days per week inward and outward bound call/contact centre.
- Duties: Monthly management reporting, budgeting and other financial matters.
- Responsible for the management of the annual statutory Audit of the Companies financial accounts.
- Overall responsibility of all of the financial management of the company.
- Responsible for the efficient and effective running of a 24/7 call/contact centre including staffing and staff development.
- Directly responsible to the Board of Directors and shareholders to ensure that the Company runs smoothly and profitably.
- Responsibility for the fleet management of over 200 taxi drivers under the Land Transport Act.
- Responsible for creating and implementing effective marketing strategies.
- Providing first class relationship management with suppliers & contractors.
- Implemented staff training and development processes, Implemented the first employee performance management system, implemented goal setting and KPI’s across the organisation.
- Taking the Company from a loss of $72k to a taxable profit of $155k in a period of 9 months.
- Over a 12 month period raising the share price for a Company operating position from $6k to $14k.
- Securing $4.5m in new factoring business.
- Securing the Special Education Transport contract for Special Needs Children, worth an estimated $6 million over 4 years.
- Successfully implementing a complete new integrated communications system on time and under the posted budget.
- Implementing the first ever integrated financial management system in the Company’s 60 year history, including installation and training on the new financial management and reporting system.
- Successfully implementing the employee management and development system.
Founder/Owner
Debtor and Creditor Solutions Limited T/A Total Cash flow
09.2004 - 08.2009
- Operational management of a business providing financial services and advice to clients.
- Duties: Managing cash flow, budgets, marketing and dealing with clients.
- Preparing and finalising financial statements for clients companies.
- Preparing and filing of income tax returns.
- Researching and preparing tax opinions for clients.
- Liaising with the Inland Revenue Department on behalf of clients, successfully negotiating tax issues on their behalf.
- Preparing and presenting workshops for New Zealand Trade and Enterprise.
- Assisting businesses with designing and implementing new systems and teaching how to use them.
- Assisting in the day to day management of many of my clients businesses.
- Assisting with the choosing, purchasing, implementing and installation and training of new financial management, reporting and accounting systems.
- Training and development company specialising in the coaching and training of SME’s in gaining knowledge of the financial and accounting process.
Tax Senior
BDO Spicer’s Wellington
06.2000 - 09.2004
- Preparation of income tax returns for companies, partnership’s and high net worth individuals.
- Preparing tax adjusted financial accounts for Audit clients.
- Research and preparation of tax opinions for clients.
- Responsible for keeping up to date with legislative changes and ensuring that all staff including Partner.
- Providing staff training on all taxation matters.
- Providing training and development programmes for the new graduate staff.
- Researching and preparing staff training on IFRS.
- Researching and preparing submissions to Inland Revenue on new and future tax changes.
- BDO is the fifth largest full-service audit, tax and advisory firm in the world.
Education
Bachelor of Management Studies - Accounting and Finance, Commercial Law
University of Waikato
Diploma in Taxation -
New Zealand Institute of Chartered Accountants/Massey University
Cert IV in Finance -
Institute of Strategic Management
Diploma in Finance and Mortgage Broking Management -
Certificate of Attainment - Industrial Relations Masterclass
CCIWA
Skills
- Microsoft Office Suite
- MYOB
- Quickbooks
- Accountants Office
- Internet
- HTML
- Smart tax
- Cash Manager
- NZA Gold
- Money-works Gold
- Serenade
- Handisoft
- Handitax
- MT Data
- Xero Cloud Accounting
- Simpology Loan Writing Software
- Loan processing
- Risk assessment
- Financial analysis
- Market research
- Mortgage compliance
- Customer relationship management
- Sales mastery
- Effective communication
- Presentation skills
- Team collaboration
- Problem solving
- Client engagement
- Mentoring and coaching
- Budgeting expertise
- Cash flow management
References
More information and references available upon request.
Timeline
Contracted Mortgage and Finance Broker
Finance 48 PTY Limited
03.2025 - Current
Lending Manager
Teachers Mutual Bank Limited
08.2022 - 03.2025
Home Finance Manager
Westpac
05.2021 - 07.2022
Customer Specialist/Consultant
Bankwest
02.2019 - 05.2021
Mortgage Broker
Aussie Home Loans
10.2017 - 02.2019
Consultant
Self Employed
06.2016 - 10.2017
Corporate Manager
Southern Districts Support Association
04.2016 - 06.2016
Executive Manager – Corporate Services
Mental Health Carers ARAFMI (WA) Inc. T/A Helping Minds
02.2015 - 03.2016
Financial Controller/General Manager
PEP Transport Perth WA
03.2013 - 11.2013
Chief Executive Officer
Hutt & City Taxis Ltd
08.2009 - 01.2013
Founder/Owner
Debtor and Creditor Solutions Limited T/A Total Cash flow
09.2004 - 08.2009
Tax Senior
BDO Spicer’s Wellington
06.2000 - 09.2004
Bachelor of Management Studies - Accounting and Finance, Commercial Law
University of Waikato
Diploma in Taxation -
New Zealand Institute of Chartered Accountants/Massey University
Cert IV in Finance -
Institute of Strategic Management
Diploma in Finance and Mortgage Broking Management -
Certificate of Attainment - Industrial Relations Masterclass
CCIWA