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
2019.10 - 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
2015.06 - 2019.10
- 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
2013.12 - 2015.05
- 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
2007.08 - 2013.11
- 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
2008.07 - 2013.06
- 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 2023.03 - Current
Master of Accounting - Accounting, Finance
Central Queensland University
Melbourne, VIC 2007.03 - 2008.05
Bachelor of Commerce - Advance Accountancy, Statistics
Gujarat University
Ahmedabad 2003.06 - 2006.05
Professional Banking Fundamentals - Banking And Financial Support Services
FINSIA
Online 2020.03 - 2023.12
Skills
Credit Reports
Authorizations Understanding
Investigations
Application Review
Portfolio Management
Performance Monitoring
Credit Analysis
Risk Analysis
Risk Mitigation
Policy Implementation
Compliance Assessments
Loan Recommendations
Financial Statement Review
Credit Decisions
Timeline
Certified Islamic Finance Executive - Islamic Finance
Ethica Institute
2023.03 - Current
Professional Banking Fundamentals - Banking And Financial Support Services
FINSIA
2020.03 - 2023.12
Credit Manager
Bendigo And Adelaide Bank
2019.10 - Current
Agribusiness Manager
Rural Finance
2015.06 - 2019.10
Branch Manager
ANZ Australia
2013.12 - 2015.05
Front Office Supervisor
Nova StarGate Serviced Apartments
2008.07 - 2013.06
Service Manager
Coles Supermarkets Australia Pty Ltd
2007.08 - 2013.11
Master of Accounting - Accounting, Finance
Central Queensland University
2007.03 - 2008.05
Bachelor of Commerce - Advance Accountancy, Statistics
Gujarat University
2003.06 - 2006.05