Taral Desai
Blacktown,NSW
Summary
A hard-working professional with extensive knowledge and experience of credit risk analyst, Business Banking relationships manager, Sales & Team Leader and accounts receivable procedures and policies. I am proactive and dedicated team player and pride myself on accuracy, stake holder management, professionalism and ability to meet deadlines. I would love nothing better than a stimulating challenging position where I can apply my skills and expertise across different areas of finance functions.
Professional banking leader with extensive experience in business banking management, delivering impactful financial solutions for clients. Known for fostering collaborative environments and achieving measurable results. Team members and clients alike rely on adaptability and problem-solving skills. Expertise in risk management and strategic planning.
Overview
19
19
years of professional experience
Work History
Senior Business Banking Manager
National Australia Bank Limited
07.2022 - Current
- Managing customer portfolios of ~$200m with Approx 50 Complex Business customer groups
- Personally develop and manage a portfolio of key BFS customers and Referral partners
- Identify new business and referral opportunities & establish, develop and utilize networks of internal and external contacts to aid achievement of income targets
- Assess economic value and risk potential of new business
- Maintain and enhance the credit risk profile and profitability of the portfolio
- Sales - Implement specific local competitive and aggressive sales/ income campaigns and initiatives
- & sell and promote tailored Bank products and services within Bank parameters
- Develop and improve professional excellence through management of individual and team’s performance
- Implement annual business plans for the customer portfolio allocated
- Personally sanction BFS lending within own personal lending authorities
- Prepare and submit for approval business lending proposals outside own authorities with full justification for recommendations, including obtaining and analysing industry and business information
- Upfront specialist / credit engagement to provide faster and simpler solution and better customer
- Lead and coach any direct reports
- Ensure that all work is performed in accordance with the requirements of the Health & Safety Policy, procedures and legislation
- Take reasonable care for own health & safety, as well as that of others
- Provide professional and ethical behaviour in actions by ensuring compliance with external legislation, bank standards and internal operating policies and procedures relevant to the position
- Ensure all personal training records are maintained and kept up to date
- Coaching, monitoring, supervision of direct reports to ensure have the skills and knowledge to perform their role to be compliant with FSRA requirements and external legislation in a professional and ethical manner
- To conform with all internal operating procedures relevant to the position
LEAD, COMPLEX LENDING SOLUTIONS ASSOCIATES
National Australia Bank Limited
12.2020 - 07.2022
- Delegated daily tasks to team members to optimize group productivity
- Monitored team progress and enforced deadlines
- Fostered positive employee relationships through communication, training and development coaching
- Organized and prioritized incoming work orders and optimized team workflows and resources to handle dynamic demands
- Collaborated with management team to implement new work procedures or policies
- Worked closely with Bankers, Business banking executives, Fulfillment teams, credit and other internal stakeholders to ensure we meet deadlines
- Implemented performance, quality, and efficiency measures to achieve business and individual goals
- Assessed, motivated and empowered team members to work to build customer satisfaction and loyalty, to support bankers and customers
- Develop and improve professional excellence through management of individual and team's performance
- Provide professional and ethical behavior in my actions by ensuring compliance with external legislation, bank standards and internal operating policies and procedures relevant to the position
- Coaching, monitoring, supervision of direct reports to ensure they have the skills and knowledge to perform their role to be compliant with FSRA requirements and external legislation in a professional and ethical manner
CONSULTANT, CREDIT ASSESSMENT
National Australia Bank Limited
12.2019 - 12.2020
- Evaluate/underwrite new/increase credit risk within the DCA (up to $4M)
- Provide advice to bankers/analyst on structuring the transactions
- Apply strong attention to detail and analytical skills to drive customer outcomes
- Assessing the lending (business & Personal) applications received from the bankers, structures the loan and completes approval process in conjunction with credit policy
- Providing coaching to Analyst and bankers to uplift the credit assessment skills proactively
- Ensuring the all business and personal lending applications are compliant in accordance with bank's policy & Guidelines
- Assess customers' overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information and ensuring the product is offered is not unsuitable
BUSINESS BANKING MANAGER
National Australia Bank Limited
03.2018 - 12.2019
- Managing customer portfolios of ~$150m with Approx.80 Business customer groups
- Identifying new business and referral opportunities & establish, develop and utilise networks of internal and external contacts
- Maintain and enhance the credit risk profile and profitability of the portfolio
- Implement annual business plans for the customer portfolio allocated
- Prepare and submit for approval business lending proposals outside own authorities with full justification for recommendations, including obtaining and analysing industry and business information
- Educating Customers about their business options and providing sound advice about risk and opportunities for growth
- Working with customers on their proposed annual business plans
- Preparing and submitting customer lending proposals
- Accountability of lending growth with the revenue responsibilities
- Regular visit/meeting (including joint meeting with the product specialist/ Managing Partner) to the clients and understand the risk and profitability of their business to safely and effectively achieve their desired outcomes
- Upfront specialist / credit engagement to provide faster and simpler solution and better customer experience
CREDIT ANALYST, MORTGAGE WRITER & SBBM (RELIEVING)
National Australia Bank Limited
05.2016 - 03.2018
- Being the face of BFC in banking centre as subject matter experts and pro-active collaboration
- Understanding key requirements of credit to ensure lending applications are completed in line with Bank policy
- Supporting a banker for pre and post customer conversations
- Displaying superior coaching skills as a mentor to operations co-ordinator
- Completing quality check, credit analysis and data entry for high priority files
- Completing an inbound quality check for all mortgage files including those paired with a business lending or as a standalone business lending
- Analysing financial information, such as statements, management accounts and cash flow statements to determine the degree of risk involved in setting up new and extending credit limits
- Processing eCLs for the mortgages, writing credits for the business lending (Standard, intermediate or advanced credits)
- Making sure the loan verification documents are within the bank policies & guidelines or L3 credit approval held for the policy waivers
- Coaching to the newbies in the Fulfillment Centre
CREDIT RISK ANALYST OFFICER & CREDIT MANAGER
Arrium Limited (One Steel)
12.2011 - 04.2016
- Analysing financial information, such as statements, management accounts and cash flow statements to determine the degree of risk involved in setting up new and extending credit limits
- Held DOA/DCA for the limits $1m providing recommendation to the senior credit manager
- Analyses current financial situation of the company in order to determine credit limit by using report from 'Creditworks'
- Compare liquidity, profitability and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations
- Review individual or commercial customer files to identify and select delinquent account for collections
- Assessing financials/account of high limits (Min
- 5m) such as RioTinto, BlueScope, and Brookfield etc
- Perform customer account review in accordance with credit guidelines
- Keeping knowledge of key issues up to date (for example legal, market risk and compliance issues)
- Manage/assess high volume of credit account applications
- High level credit reporting to relevant stakeholders
- Provide support to state or national credit manager on making commercial decisions
- Liaise with insurer in regards to insure the credit limits and keep them up to date on any payment dispute or payment plan request
- Performing PPSR registration on new client
- Doing the property searches and Titles on guarantors
- Liaise with legal team on realising PPSR in case customer gone under/liquidation
- Always aim to reduce the overall credit limit exposure by liaising with account manager for interim payments or shuffling limit across the different business units
- Prepare ATB reports every month of all ARRIUM business units and send it to all credit managers
- Uploading Debtor reports to VEDA
- Continuous process improvements
- Provide full in detail training to new employee
- Preparing every month's team meeting agenda and running team meetings
ACCOUNT RECEIVABLES SPECIALIST
Complete Office Supplies
03.2009 - 12.2011
- Analyses credit data and financial statements
- Evaluate customer records and recommend payment plans based on payment history and purchase activity
- Complete account reconciliations and process adjustments in INHOUSE accounting system
- Receive and verify invoices and requisitions for goods and services
- Perform billing, payment allocation, collection and activity reporting following established protocols, to tight deadlines
- Dealing with government and Enterprise clients
- Maintaining DSO to 45 and achieving monthly KPIs
- Re-invoicing as requested and dealing with internal account managers in regards to the credit notes
- Maintaining ledger of 500 accounts every month
- Helping in month end allocations
- Updates receivables by totaling unpaid invoices
- Sending reminder letters and statements
- Keep eyes on STOP SUPPLIES accounts and releasing orders once overdue payment is cleared
- Identify cash flow and high risk accounts within the portfolio
- Check the large amount orders in order to prevent frauds
- Weekly reporting to manager
- Making collection calls and following up via email to debtors to collect on overdue account
- Processing daily credit card payments
- Monitor customer account details and identify and investigate non-payments, delayed payments and other irregularities
- Organise recovery system and initiate collection efforts
- Investigate and resolve customer queries
- Dealing with General Ledger
SALES CONTRACTOR & TEAM LEADER
Salmat Pty Ltd
01.2006 - 03.2009
- Handling Sales and related queries, and complaints from customers
- Producing Sales Team management reports
- Knowledge about the product and the process
- Build sales team and motivate, monitor and supervision them Sell the product with persuasion
- Uplift customer service skills of sales Reps within the wider team
- Promote products very efficiently and answer all customer queries
- To arrange the merchandise properly and to supervise the ordering the supplies
- Produce Daily, weekly and monthly activity reports and forecasts Ability to inspire trust, loyalty, commitment, and collegiality among team members
- Always look ahead and develop a compelling vision of the future
- Always punctual and attend all the regional meetings
Education
Master of Accounting - Accounting
Central Queensland University
Bachelor of Commerce - Accounting
Gujarat University
Skills
- Relationship Management
- Business Banking
- People Leadership
- Credit Consulting
- Credit Risk Analysis
- Credit Management
- Accounts Receivable
- Sales
- Team Leadership
- Attention to Detail
- Communication Skills
- Influencing Skills
- Negotiation
- Conflict Resolution
- Presentation Skills
- Problem Solving
- Analytical Skills
- MS PowerPoint
- MS Word
- MS Windows
- SAP
- SIEBEL
- JD EDWARDS
- SYMIX
- MYOB
- QuickBooks
- Tin Accounting System
Timeline
Senior Business Banking Manager
National Australia Bank Limited
07.2022 - Current
LEAD, COMPLEX LENDING SOLUTIONS ASSOCIATES
National Australia Bank Limited
12.2020 - 07.2022
CONSULTANT, CREDIT ASSESSMENT
National Australia Bank Limited
12.2019 - 12.2020
BUSINESS BANKING MANAGER
National Australia Bank Limited
03.2018 - 12.2019
CREDIT ANALYST, MORTGAGE WRITER & SBBM (RELIEVING)
National Australia Bank Limited
05.2016 - 03.2018
CREDIT RISK ANALYST OFFICER & CREDIT MANAGER
Arrium Limited (One Steel)
12.2011 - 04.2016
ACCOUNT RECEIVABLES SPECIALIST
Complete Office Supplies
03.2009 - 12.2011
SALES CONTRACTOR & TEAM LEADER
Salmat Pty Ltd
01.2006 - 03.2009
Bachelor of Commerce - Accounting
Gujarat University
Master of Accounting - Accounting
Central Queensland University
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