RAMEEZ MALIK
Credit And Lending Manager
Melbourne,VIC
Summary
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 10 years of financial industry expertise. Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.
Overview
16
16
years of professional experience
1
1
year of post-secondary education
1
1
Language
Work History
Credit Manager
Bendigo And Adelaide Bank
10.2019 - Current
- DLA in excess of $10m for loan approvals and credit assessments.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Adhered to banking standards and government lending guidelines for loan services.
- Developed and maintained deep understanding of industry and assigned portfolio of clients to assess risk solutions.
- Structured complex transactions and negotiated complex credit documentation to mitigate risk.
- Checked appraisals, title information and insurance documents for each property.
- Collaborated with credit manager to create and deliver presentations for senior management.
- Reviewed credit risk and reward strategy and provided recommendations to optimize risk-return characteristics.
- Conducted ongoing reviews to monitor portfolio performance and identify strong and weak areas.
- Interacted with credit and front office colleagues to review credit reports.
- Tracked policy exceptions to review and enhance underwriting guidelines.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Participated in strategic projects to support business goals.
- Organize and finalize loan applications for loan approvals or to recommend it to senior managers for approval.
- Identified proper exception codes, regulatory leverage designations and risk ratings to manage portfolio risk.
- Executed risk assessment programs to identify and quantify risks and associated controls.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Reviewed and analyzed loan procedures.
- Monitored accounts for signs of fraud and non-payment issues.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Referred delinquent accounts to collections department or outside resources.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Used ABS and Rastus to perform credit appraisals, document verification and loan approvals.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Compiled data critical to analysis of annual bad debt.
- Provided resources and expertise for conversion, validation and training required for company-wide software updates.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Agribusiness Manager
Rural Finance
06.2015 - 10.2019
- Rural Finance
- Prioritize tasks according to expectations and diversity of requests reflecting good time management skills
- On behalf of Regional Manager and Relationship Managers, provide indirect leadership to colleagues across all business units
- Manage and develop relationships with an existing portfolio of clients
- Provide support to senior manager in writing credit papers, liaising with loans administration team in preparation of security documents and formal offer letters
- Analyze complex financial data to enable sound credit management decisions
- Ensure quality of credit assessment, client arrears as per guidelines and procedures
- Respond to all client enquires in timely and professional manner
- Provide high level of customer service ensuring organization's client value proposition is met
- Organize and coordinate the annual credit review of all clients under management as directed
- Work with business units to develop streamlined processes for excellent service delivery and maintain high standards
- Liaise with staff to ensure a smooth progression of settlement and continued client service standards post settlement
- Build relationship with existing and new clients to cultivate new business prospects
- Proactive collaboration and building productive relationship with all colleagues to deliver business proposition
- Participate in development activities and mentor, coach and train new staff to build strong team and productive environment.
- Consulted with horticultural experts to assess operational strengths and weaknesses and plan enhancements to meet changing demands.
- Trained new and existing staff members in various financial procedures to prepare for job requirements.
- Forecasted trends and recommended improvements based on financial risk analyses.
- Reviewed documentation and identified financial discrepancies where applicable.
- Completed filings and upheld strict compliance with regulatory agencies and supervisors.
- Evaluated project applications and verified with outline specifications to approve, reject and recommend adjustments.
Branch Manager
ANZ Australia
12.2013 - 05.2015
- Helping Customers out with their everyday banking needs;
- Identify Customer needs and explore opportunities to serve them in best possible way
- Manage Cash operations for the branch including cash ordering, clearance;
- Meet weekly targets and keep up-to-date on products and transaction services;
- Liaise with internal operations team to run branch operations smoothly;
- Manage branch Internal Compliance and report on daily basis;
- Action branch reports and report any unusual activity and telling differences in audit journal;
- Plan, Coach and coordinate branch staff to achieve branch targets and meet customer expectations;
- Action health & Safety plan for the branch site and make sure branch staff is aware and educated on monthly basis
- Run Daily meetings with staff members to track performance and develop training plan where needed
- Work with the team as a team player at the same time lead service team to make a difference;
- Implement new ideas and use exceptional organizational skills to give customer excellent customer service experience
- Help existing and new clients with their borrowing needs and help achieve their life goals sooner
- Strictly adhere to policies and procedures and lead the way to set examples for branch staff to follow
- Meet compliance criteria around lending and make sure there are no breaches on files.
- Assessed employee performance and developed improvement plans.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Engaged employees in business processes with positive motivational techniques.
Service Manager
Coles Supermarkets Australia Pty Ltd
08.2007 - 11.2013
- Organizing daily and weekly staff rosters, schedules and responsibilities;
- Ensuring all staff members understand company policies, dealing management decisions thoroughly;
- Communicating with staff at Management level to further understand customers' needs;
- Liaising between upper management and lower management departments;
- Managing Human Resource activities including hiring, training and disciplining all staff members in Customer Service Team;
- Conducting intensive training to new staff to perform at higher level to meet Company's High Customer Service standards;
- Preparing budget reports, and reporting amounts to Store manager on weekly basis;
- Attending regular meetings with Department Heads, including reporting and contributing in ideas;
- Performing spot checks on staff to ensure errors are minimized and procedures are completed accordingly;
- Dealing with customer complaints, while handling them in professional manner;
- Meeting customer service expectations, by achieving high level of competence;
- Focusing on employee developments through personal training development and guidance programs;
- Managing and reporting any maintenance issues to helpdesk, as well as following up to ensure all problems are resolved;
- Managing Front Hand stock levels, placing orders for further processing.
- Monitored team performance, adhered to service level agreements (SLAs) and provided detailed job training.
- Met with customers to discuss service needs and offer available solutions.
Front Office Supervisor
Nova StarGate Serviced Apartments
07.2008 - 06.2013
- Transferring calls to appropriate departments efficiently and effectively;
- Organizing and replying to emails, using high level of professional language;
- Gaining expert knowledge regarding types of credit cards utilized by customers;
- Responsible for booking and scheduling reservations through phone and email;
- Performing standard checking in and out procedures, as per hotel policies;
- Assisting guests with providing information and booking of local tours and transport;
- Vouching daily invoices and receipts, ensuring accuracy and completeness;
- Greeting visitors and guests directly, with high standard of professionalism.
- Coached employees through day-to-day work and complex problems.
- Organized documents for company communication, travel vouchers, and payment services.
- Assisted staff with troubleshooting and resolution of software and hardware issues to minimize downtime.
- Reviewed client and staff feedback and made appropriate business adjustments to meet needs and address concerns.
Education
Certified Islamic Finance Executive - Islamic Finance
Ethica Institute
Online 03.2023 - Current
Master of Accounting - Accounting, Finance
Central Queensland University
Melbourne, VIC 03.2007 - 2008.05
Bachelor of Commerce - Advance Accountancy, Statistics
Gujarat University
Ahmedabad 06.2003 - 2006.05
Professional Banking Fundamentals - Banking And Financial Support Services
FINSIA
Online 03.2020 - 2023.12
Skills
Credit Reports
undefinedTimeline
Certified Islamic Finance Executive - Islamic Finance
Ethica Institute
03.2023 - Current
Professional Banking Fundamentals - Banking And Financial Support Services
FINSIA
03.2020 - 2023.12
Credit Manager
Bendigo And Adelaide Bank
10.2019 - Current
Agribusiness Manager
Rural Finance
06.2015 - 10.2019
Branch Manager
ANZ Australia
12.2013 - 05.2015
Front Office Supervisor
Nova StarGate Serviced Apartments
07.2008 - 06.2013
Service Manager
Coles Supermarkets Australia Pty Ltd
08.2007 - 11.2013
Master of Accounting - Accounting, Finance
Central Queensland University
03.2007 - 2008.05
Bachelor of Commerce - Advance Accountancy, Statistics
Gujarat University
06.2003 - 2006.05
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