ZYAN KHAN
Manor Lakes,VIC
Summary
Focused Lending Manager offering 10 years of experience in lending policies and procedures. Highly skilled in analysing issues and finding the correct solutions. Considered a talented individual capable of building lasting relationships. Communicative team player with in-depth knowledge of banking products and associated services. Well-versed in all types of loans and application processes. Consistently exceeds sales expectations.
Overview
14
14
years of professional experience
Work History
Mortgage Broker
Self Employed
Point Cook, VIC
04.2021 - Current
- Contribute to the growth of the business through the acquisition and retention of clients by providing expert lending solutions that maximise sales and revenue opportunities
- Deliver sales in line with the company’s values and fulfill the clients strategic and financial objectives, exceeding their expectations through leading and authentic engagement
- Constantly and consistently stay up to date with Bank's products and policy
- Stay abreast of competitor activities and market trends and conditions
- Actively participate in opportunities provided by the business to achieve maximum exposure
- Be accountable for and knowledgeable of individual and company sales targets and results and other key performance indicators at all times
- Proactively pursue new clients from personal/professional networks and convert leads into sales
- Interpret customer needs in line with credit policy and construct holistic solutions, satisfying all of their finance needs
- Develop and maintain long term relationships with key parties to build a sound referral network
- Provide clear and concise information to clients and ensure they hold an appropriate understanding of the relevant product or service
- Maintain strict compliance with all regulatory and procedural requirements and adhere to bank's policies and procedures.
Cafe Owner
Self Employed
Werribee, VIC
07.2020 - 03.2021
- Managed operations budgeting, accounts payable and accounts receivable and payroll.
- Reconciled daily sales, returns and financial transaction reports and prepared bank deposits.
- Collaborated with staff to maximize customer satisfaction, streamline procedures and improve bottom-line profitability.
- Developed business and marketing plans and prepared monthly financial reports.
- Kept records for production, inventory, income and expenses.
- Promoted business on social media platforms to maximize brand identity and generate revenue.
- Set pricing structures according to market analytics and emerging trends.
- Established favorable relationships with vendors and contractors, facilitating contract negotiation and development of marketing and sales strategies.
- Created and implemented marketing and advertising strategies to support revenue goals and promote strategic growth.
- Kept up-to-date on regulatory changes affecting business operations.
- Determined pricing for products or services based on costs and competition.
Lending Manager
St George Bank, Westpac Banking Group
Canberra, ACT
05.2018 - 06.2020
- Successfully solely managing the Mortgage Alliance including Broker Network, Real Estate Agents and Accountants to grow to the lending book.
- Grown the Branch Lending Book from -$9.87Mil to +$2.5Mil within six months and I am the only Lender in ACT to achieve this.
- Monitor and analyze portfolio growth, sales, service, credit quality.
- Generate opportunities for sales specialists for Bank, General Insurance and Life products using the agreed sales process.
- Maximise the visibility of the Bank brand throughout the region by actively and positively promoting the company at public events.
- Provide options for appropriate solutions to customer needs.
- Contribute to continuous improvement activity within the team and the region.
- Ability to identify an acceptable level of lending risk, in line with the bank's risk appetite statement, and to maximise profit from that transaction.
- Adherence to the Bank's complaint resolution process to resolve the matter, maintain our high service standards and mitigate further risks / losses.
- Accountable for operating responsibly within the parameters of our approved delegations.
- Build and maintain relationships with region staff and key business stakeholders to effectively support them in implementing sales, service, operational, process, and credit quality initiatives, and in the identification of continuous improvement and adherence to processes and requirements.
Business Banking Manager
ANZ Business Banking
Dandenong , VIC
11.2017 - 04.2018
- Directly manage a portfolio of 180 client accounts within a defined area, including but not limited to monitoring the arrears management, annual client reviews, property valuation and total financial care.
- Deliver on the banks set objectives including financials metrics, service objectives and meeting all regulatory and compliance obligations.
- Be the sole point of contact for Businesses ensuring all needs are met and opportunities fulfilled.
- Ensure all business lending is written at the highest level, supported by Credit risk and covenants monitored and reviewed in accordance with policy.
- At all times demonstrate the Bank's core values: Integrity, Innovation, People First, Keep it simple and One team.
- Proactive acquisition of new-to-bank customers sourced from referrals and other prospecting activities like cold calls, brand awareness in the local communities.
- Providing holistic banking solutions tailored to customers' needs.
- Networking and leveraging referrals from existing and new COI's and brokers; ensuring a feedback loop to capture and drive success of interactions and referrals.
Small Business Specialist
ANZ Business Banking
Dandenong, VIC
12.2014 - 10.2017
- Achieve personal writing targets, KPI's and behaviours to succeed in the role.
- Identify new to bank and increased lending opportunities for loan amounts of up to $300K including equipment finance, working capital facilities and transnational products.
- Increase cross sales with all internal divisions to provide complete financial solutions.
- Structure, analyse and submit new and existing proposals for credit decisions.
- Establish and refine a strong network of third-party intermediary sources.
- Overall responsibility for ensuring the Department and Team achieves its sales and service objectives.
- Provide leadership and facilitate relationship building with a broad range of brokers, accountants and aggregates.
- Leadership skills to mentor and manage branch staff.
- Undertake internal/external training courses to maintain skills and knowledge of the role.
- Educate, train, lead and mentor branch staff.
Assistant Branch Manager
ANZ Bank
Patterson Lakes, VIC
01.2013 - 11.2014
- Understanding and meeting the needs of current and potential customers.
- Exploring needs, recommending total financial solutions and closing sales.
- Contribute to a significant uplift in customer engagement, advocacy and create real customer value.
- Training and developing team members by providing one on one coaching and role playing.
- Interfacing with the team and support business development plan.
- Developing a healthy culture
- Liaising with team members regularly and encourage them to be more confident and be self-motivated.
- Offer the best possible solution to customers for their financial needs.
- Evaluate own performance and develop personal strategies to improve outcomes.
- Support and actively assist other team members in the work of the branch.
Assistant Manager
Telstra Shop
Frankston, VIC
06.2010 - 01.2013
- Preparing daily workloads for staff & coordinating the daily allocation of work.
- Motivating the team to achieve high standards and KPI targets.
- Handling new client enquiries and acting as the face of the business.
- Dealing with and resolving problems and issues which arise.
- Working with the sales team to drive sales forward.
- Mentoring and training up junior and new staff.
- Monitoring & reporting on standards & performance targets.
- Arranging & chairing weekly team meetings, focusing on targets & achievements.
- Ensuring all administrative records are entered and updated correctly.
- Providing prompt and accurate information on individual performance.
Education
Diploma of Finance And Mortgage Broking - Finance
The National Finance Institute
2018
Cert. IV in Finance And Mortgage - Finance
The National Finance Institute
2018
RG 146 Tier 2 - Banking
Deakin University
2018
Skills
Strong understanding of retail & commercial banking products, services and procedures
Solid understanding and experience in credit and lending procedures and policies
Focuses on achieving targets and objectives Strives to achieve
Adapts to change positively and understands the rationale for change
An in-depth understanding of the Code of Banking Practice
Strong decision making and problem-solving skills
Able to motivate and lead others in a team environment
An ability to build rapport and trust quickly with work colleagues
Able to priorities tasks and workloads in order of importance
Accomplishments
- Grown the Branch Lending Book from -$9.87Mil to +$2.5Mil within a year.
- Awarded 'Top Performer' Business Banking in 2017.
- Became no. 7 in the country for Simple Wealth and no. 1 for SBiR (Small Business in Retail) lending in Dandenong & Peninsula District.
- Nominated for Best Assistant Manager and awarded for my contribution in SBiR (Small Business in Retail) Lending at ANZ State Award 2014.
- Awarded 'Top Performer' number of times while working for Telstra.
References
REFERENCE
Available on request
Languages
English, Bengali, Hindi, Urdu, Punjabi, Arabic
Timeline
Mortgage Broker
Self Employed
04.2021 - Current
Cafe Owner
Self Employed
07.2020 - 03.2021
Lending Manager
St George Bank, Westpac Banking Group
05.2018 - 06.2020
Business Banking Manager
ANZ Business Banking
11.2017 - 04.2018
Small Business Specialist
ANZ Business Banking
12.2014 - 10.2017
Assistant Branch Manager
ANZ Bank
01.2013 - 11.2014
Assistant Manager
Telstra Shop
06.2010 - 01.2013
Diploma of Finance And Mortgage Broking - Finance
The National Finance Institute
Cert. IV in Finance And Mortgage - Finance
The National Finance Institute
RG 146 Tier 2 - Banking
Deakin University