Summary
Overview
Work History
Education
Skills
Timeline
Generic

Sarah Elizabeth Mary Hickey

Table Top,NSW

Summary

  • Commercial and agribusiness professional with over 13 years of experience in banking, risk management and customer service delivery including managing a portfolio of 500 Business Banking customer groups;
  • Strong and broad commercial and administrative acumen including client interaction, providing advice, managing complex priorities and stakeholders;
  • Track record of building strong internal and external relationships and working collaboratively to achieve customer outcomes; and
  • People management experience.

Overview

22
22
years of professional experience

Work History

RELATIONSHIP ANALYST

Rabobank
07.2021 - Current
  • Provide valuable prudential and client relationship support to Senior Account Managers to enable them to develop new business, manage existing client accounts and enable clients to reach their goals and aspirations;
  • Responsible for acting as an additional formal point of contact for client, client advisors, oversight of journey from client request to settlement, responsible for initiating all associated branch prudential management tasks, comprehensive Compliance Due Diligence risk analysis in Anti-Money Laundering/Counter Terrorism Financing, Know Your Customer, requirements and other associated day to day operational tasks;
  • Coach and mentor other members in the team;
  • Actively engage in preparation of loan applications;
  • Interpret and execute branch prudential management tasks;
  • Monitor loan arrears and accounts in excess to take appropriate action from a commercial and prudential perspective;
  • Develop and foster strong working relationships with all key stakeholders.

AGRIBUSINESS CREDIT ANALYST

Regional Investment Corporation
01.2020 - 06.2021
  • Effective and efficient service and support to farmers seeking to apply for assistance through the various government support schemes available throughout Australia;
  • Preparation and recommendation of loan submissions and general administration activities;
  • Financial analysis of customer information as provided through their applications and through customer interview processes;
  • Manage multiple applications at a time;
  • Order of valuations; and
  • Build and maintain effective relationships with Operations staff and Government representatives as required.

BUSINESS BANKING MANAGER

NAB
10.2014 - 12.2018
  • Managed 500 customer groups with existing and additional lending;
  • Assessed economic value and risk potential for new business;
  • Maintained and enhanced the portfolio’s credit risk profile and profitability;
  • Developed and improved professional excellence;
  • Provided lending products to meet customer needs;
  • Built and sustained a lending pipeline through existing network and proactively generating and nurturing a referral network;
  • Managed end-to-end customer experience from loan application to approval;
  • Provided efficient, professional and confident service to stakeholders;
  • Followed policy and procedures of the business banking sector including completing online compliance training;
  • Internal reporting;
  • People management - including managing workflow; performance reviews; leave management; and training and development;
  • Analysed financials and assessed risk;
  • Delegated daily tasks to achieve deadlines; and
  • Provided a flexible approach for customer convenience.
  • Achievements:
  • Received bonus for reaching personal and team targets including financing customers to NAB; providing support to clients while other bankers were on leave; demonstrating commitment to customer service and building referrals;
  • Increased revenue for NAB by refinancing new customers;
  • Provided products by the bank for customers i.e. financial planning, Asset finance, Merchant facilities;
  • Built strong relationships with customers which led to them recommending me to their friends and family; and
  • Implemented annual business plans for customer portfolio.

SENIOR BUSINESS BANKING ASSOCIATE

NAB
01.2013 - 01.2014
  • Assisted senior business banking manager (SBBM) with client portfolio;
  • Coordinated client visits for bankers;
  • Managed bankers’ calendars;
  • Organised and attended settlements, including disbursement of funds;
  • Assisted Senior Business Banking Manager with administrative tasks, including compiling information from customers to complete lending applications; submitting valuation requests; sending off trust deeds to be vetted; liaising with accountants and solicitors; and assessment of financials etc;
  • Interacted with customers including face-to-face, emails and phone calls;
  • Identified suitable products to meet customer needs; and
  • Identified new business opportunities to enhance portfolio.

FULFILLMENT CENTRE CREDIT WRITER

NAB
03.2012 - 07.2013
  • Analysed financial data for business and personal lending submitted by Business Bankers;
  • Compiled lending submissions to submit to Credit Managers for approval;
  • Assessed risk and liaised with colleagues for further information;
  • Mitigated any risk identified in the lending application.

SENIOR BUSINESS BANKING ASSOCIATE

NAB
02.2012 - 06.2013
  • Refer to responsibilities for Senior Business Banking Associate (Albury).

SENIOR BUSINESS BANKING ASSOCIATE

NAB
01.2011 - 05.2012
  • Supported Senior Business Banking Manager with client portfolio of mainly property and construction clients; and
  • Refer to responsibilities for Senior Business Banking Associate (Albury).

AGRIBUSINESS ANALYST

NAB
09.2010 - 11.2010
  • Learned NAB Banking systems to help bankers with customer enquiries;
  • Collated information from customers to collate lending proposals;
  • Attended customer meetings to assist bankers; and
  • Filed customer information.

AGRIBUSINESS CREDIT ANALYST

NAB
09.2010 - 11.2010
  • Learned to collate banking lending applications;
  • Used NAB systems to assist with analysis of customer financial positions; and
  • Liaised with credit managers to get to the approval stage of the application.

Nanny

James & Chrissy Capell
03.2009 - 10.2010
  • Prepared meals and snacks for children based on dietary guidelines;
  • Assisted with light housekeeping duties including organsing and cleaning home after activities;
  • Built positive and nurturing environments to support child social and emotional growth.

AGRIBUSINESS RECRUITMENT OFFICER

Rimfire Resources NZ
05.2007 - 06.2008
  • Promptly corresponded with applicants and coordinated and conducted interviews;
  • Followed up with leads to explain application process and answered questions to increase interest;
  • Incorporated ideas, input and content for key recruitment and outreach guides for social media and online usage.

ADMINISTRATION & MARKETING OFFICER

Rimfire Resources AU
02.2006 - 04.2007
  • Boosted brand awareness and generated leads while managing internal and external marketing campaigns and programs;
  • Provided feedback on brand consistency in outbound communications;
  • Coordinated with internal business divisions, agency partners and local vendors to guarantee on time, cost-effective delivery of all marketing communications materials;
  • Defined and tracked campaign effectiveness and adjusted strategies accordingly.

Au Pair

Tim & Henrietta Eliot-Cohen
02.2002 - 12.2002
  • Prepared healthy foods and beverages for children based on optimal dietary guidelines and individual restrictions;
  • Kept children's areas neat and clean;
  • Assisted with housework such as laundry and cooking;
  • Implemented daily routine to maintain structure and stability.

Education

No Degree - Bachelor of Bus Ag Commerce (Major In Marketing)

Charles Sturt University
Orange, NSW

No Degree - Bachelor Agricultural Science

Melbourne University
Dookie, VIC

Skills

  • Commercial accumen/professionalism/confidentiality
  • Business Development
  • Client Management and Customer Service
  • Technical Proficiency

Timeline

RELATIONSHIP ANALYST

Rabobank
07.2021 - Current

AGRIBUSINESS CREDIT ANALYST

Regional Investment Corporation
01.2020 - 06.2021

BUSINESS BANKING MANAGER

NAB
10.2014 - 12.2018

SENIOR BUSINESS BANKING ASSOCIATE

NAB
01.2013 - 01.2014

FULFILLMENT CENTRE CREDIT WRITER

NAB
03.2012 - 07.2013

SENIOR BUSINESS BANKING ASSOCIATE

NAB
02.2012 - 06.2013

SENIOR BUSINESS BANKING ASSOCIATE

NAB
01.2011 - 05.2012

AGRIBUSINESS ANALYST

NAB
09.2010 - 11.2010

AGRIBUSINESS CREDIT ANALYST

NAB
09.2010 - 11.2010

Nanny

James & Chrissy Capell
03.2009 - 10.2010

AGRIBUSINESS RECRUITMENT OFFICER

Rimfire Resources NZ
05.2007 - 06.2008

ADMINISTRATION & MARKETING OFFICER

Rimfire Resources AU
02.2006 - 04.2007

Au Pair

Tim & Henrietta Eliot-Cohen
02.2002 - 12.2002

No Degree - Bachelor of Bus Ag Commerce (Major In Marketing)

Charles Sturt University

No Degree - Bachelor Agricultural Science

Melbourne University

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Sarah Elizabeth Mary Hickey