Summary
Overview
Work History
Education
Skills
References
Certification
Languages
Timeline
Generic

Richard Gutierrez

Adelaide,SA

Summary

Dedicated professional with extensive experience in credit assessment, key account management, and data analytics. Proven expertise in financial analysis, risk management, and data-driven decision making. At Westpac Group, I conduct detailed financial analyses and risk assessments as a credit assessor. As a Key Account Manager at Liberty Mutual Insurance, I managed top-performing portfolios and led key client relationships. Certified in Data Analytics with skills in Google Sheets, R programming, SQL, Python, and Tableau, I excel in strategic planning and actionable insights.

Overview

17
17
years of professional experience
1
1
Certification

Work History

Credit Assessor, 3rd Party Broker Unit

Westpac Group
04.2024 - Current
  • Assessing Loan Applications: Reviewing loan applications submitted by external brokers to determine their creditworthiness and risk level
  • Credit Analysis: Conducting thorough credit analysis, including evaluating income, assets, liabilities, and credit history to make informed lending decisions
  • Policy Adherence: Ensuring compliance with lending policies, regulations, and guidelines set by the organization and regulatory authorities
  • Communication: Interacting with brokers to gather additional information, clarify details, and communicate lending decisions effectively
  • Risk Management: Identifying and mitigating potential risks associated with loan applications, such as fraud or misrepresentation
  • Documentation: Maintaining accurate records and documentation related to loan assessments and decisions.

Credit Assessor, 1st Party Sales Support Unit

Westpac Group
07.2020 - 04.2024
  • Analyse financial statements provided by businesses to evaluate their financial health
  • Successfully mentored and led a team of new assessors, ensuring a consistent and accurate application of bank policies and procedures
  • Conducted regular training sessions to coach new lenders, providing insights into the credit assessor's perspective and emphasizing the importance of policy adherence
  • Thoroughly examine loan applications submitted by lenders
  • Conduct a comprehensive analysis of the applicant's financial history, including income, expenses, assets, and liabilities
  • Assign a credit score based on the analysis, which helps in making consistent and data-driven lending decisions
  • Ensure that all credit assessments adhere to the bank's lending policies, regulations, and compliance standards
  • Stay updated on changes in lending regulations and adjust assessment procedures accordingly
  • Evaluated Title Search reports to assess property ownership, legal encumbrances, and potential risks
  • Examined Valuation reports to assess the fair market value of properties used as collateral.

Key Account Manager

Liberty Mutual Insurance
10.2017 - 05.2019
  • Successfully managed and cultivated relationships with key clients in the Cars and Homes Insurance segment
  • Oversaw the top-performing company portfolios, ensuring strategic account plans aligned with business objectives and revenue growth targets
  • Managed a portfolio of 12 key accounts, consistently exceeding performance expectations
  • Led a cross-selling initiative with one of our key customers, implementing a strategic plan to offer home insurance at a competitive price with essential coverage
  • Led contract negotiations, renewals, and strategic discussions with key clients to ensure satisfaction and retention
  • Collaborated with underwriting teams to assess risk profiles and provided valuable insights to clients on effective risk management strategies
  • Coordinated claims management processes, acting as a liaison between key clients and the claims department to ensure prompt and fair resolutions
  • Monitored customer satisfaction levels and implemented strategies to address concerns, contributing to high levels of client retention
  • Managed the financial performance of key portfolios, consistently meeting and exceeding revenue targets
  • Facilitated effective communication and coordination among internal teams, including underwriting, claims, and customer service, to enhance service delivery to key accounts.

Event Planner

Doble Diversion
01.2008 - 02.2016
  • Managed end-to-end event planning, from client acquisition to post-event follow-ups
  • Successfully identified and secured clients by implementing effective marketing and sales strategies
  • Created and executed strategic marketing plans to promote services and attract a diverse clientele
  • Developed and maintained strong relationships with clients, understanding their event needs and ensuring satisfaction
  • Liaised with suppliers and vendors to negotiate contracts, secure resources, and optimize event logistics
  • Managed all administrative tasks, including invoicing, budgeting, and financial tracking for each event
  • Ensured seamless event execution by coordinating with various stakeholders and overseeing logistics
  • Demonstrated strong organizational and multitasking skills, handling multiple events simultaneously
  • Effectively utilized creativity and attention to detail to deliver unique and memorable events.

Administrative Coordinator

Impact Hub
02.2014 - 02.2015
  • Led the administrative functions of the coworking space, ensuring smooth day-to-day operations and a positive work environment
  • Managed office administration, overseeing supplies, equipment, and facility maintenance
  • Created and evaluated finance reports, presenting findings to the CEO for strategic decision-making
  • Liaised with accountants to ensure accurate financial data and compliance with accounting standards
  • Successfully coordinated and executed internal and external events, including networking sessions, workshops, and collaborative activities
  • Planned and organised space setup, catering, and logistics for events to enhance member engagement
  • Engaged with members to foster a sense of community, organising activities, and acting as a liaison to address concerns
  • Coordinated meeting room bookings and optimised space utilization through effective calendar management
  • Provided administrative support to coworkers and management, including invoicing, billing, and database management
  • Assisted in technology support, ensuring smooth operation of amenities like printers, Wi-Fi, and conference room equipment
  • Collected and analysed member feedback to identify areas for improvement and enhance coworking experience.

Education

Google Data Analytics -

Coursera
Online
2024

SAP Consultant Financial Accounting (FI) ERP 6.0 -

Celeritech Solutions
Caracas, Venezuela
09.2016

Bachelor's degree in Business Administration -

Universidad Santa Maria
Caracas, Venezuela
02.2011

Skills

  • Data Analytics
  • SQL
  • Python
  • Tableau
  • Financial Analysis
  • Risk Management
  • CRM
  • Business Development
  • SAP ERP (financial module)
  • Proficient in Microsoft Office (Excel, Word, Power Point, Outlook)
  • Share Point
  • Power BI
  • Oracle
  • R programming

References

  • Ned Sadler, Team Leader, Westpac Group, 0403082615, ned.sadler@westpac.com.au
  • Eva Ceron, Manager Operational Safety, Department of Transport & Plan, 0452 523 688 - Character reference

Certification

Google Data Analytics - Currently studying

Languages

Spanish
Native or Bilingual
English
Full Professional

Timeline

Credit Assessor, 3rd Party Broker Unit

Westpac Group
04.2024 - Current

Credit Assessor, 1st Party Sales Support Unit

Westpac Group
07.2020 - 04.2024

Key Account Manager

Liberty Mutual Insurance
10.2017 - 05.2019

Administrative Coordinator

Impact Hub
02.2014 - 02.2015

Event Planner

Doble Diversion
01.2008 - 02.2016

Google Data Analytics -

Coursera

SAP Consultant Financial Accounting (FI) ERP 6.0 -

Celeritech Solutions

Bachelor's degree in Business Administration -

Universidad Santa Maria

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Richard Gutierrez