Ryan Winter

• Audit financial firm's credit assessment methodology and decision making to determine if any business / consumer lending was provided responsibly / prudently, and provide industry advice to case managers;

• Identify, report and follow up any financial firms potential systemic issues;

• Identify appropriate codes (CoBP, NCCP, UCCC, AFIA etc) and acts relevant to a complaint given a specific date, and point in time, and apply those to any assessment;

• Undertake, assess and complete complex Loss Calculations for Ombudsman, Adjudicators and Case Managers when and where appropriate;

• Undertake, assess and complete complex business / consumer capacity assessment calculations for Ombudsman, Adjudicators and Case Managers when and where appropriate;

• Identify and raise any potential red flags associated with cases, that may have lead to a possible change in a financial firms decision making process;

• Continuous support and training to all Ombudsman, Adjudicators and Case Managers when and where necessary from induction support, to ongoing requirements as the business requires.

• Portfolio Management (including Sales, Service, compliance) - 192 commercial groups;

• Advanced Credit Assessment & Financial Analysis;

• Working to all daily, weekly & campaign KPI's;

• Ensuring all administrative sales tasks are completed accurately and efficiently (compliance);

• Fated Asset Finance, Comm. Lending, Home Lending, Cards, International, and cashflow facilities;

• Internal Dispute Resolution secondment (12 months).

• Credit Management & Portfolio Management with 226 Relationship Groups;
  
• Credit Assessment including Asset Finance, Commercial Lending, Home Lending, Credit Cards, Overdrawn Accounts, Franchise Loans, Insurances and SMSF Loans;

• Portfolio Management (including Sales, Service, compliance);

• Advanced Credit Assessment & Financial Analysis;

• Working to all daily, weekly & campaign KPI's;

• Ensuring all administrative sales tasks are completed accurately and efficiently (compliance);

• Fated Asset Finance, Comm. Lending, Home Lending, Cards, International, and cashflow facilities (with authority);

• Debt Recovery & dispute resolution;

• Business Development (Acquisition).

• Credit Assessment for Bankers including Asset Finance, Commercial Lending, Home Lending, Cards, Overdrawn Accounts, Franchise Loans and SMSF Loans;

• Portfolio Management (including Sales, Service, compliance);

• Advanced Credit Assessment & Financial Analysis;

• Working to all daily, weekly & campaign KPI's;

• Ensuring all administrative sales tasks are completed accurately and efficiently (compliance);

• Fated Asset Finance, Comm. Lending, Home Lending, Cards, International, and cashflow facilities (with authority);

• Debt Recovery & dispute resolution;

• Team Leadership (managed up to 22 direct reports - Business Banking Officers & Credit Analysts). Team assessed and submitted commercial deals, including Asset Finance, Commercial Lending, Home Lending, Cards and Overdrawn Accounts.

• Renewal of facilities, including covenant and condition management and maintenance;

• Business Development (Acquisition).