TROY SALTER
12 Kippilaw Loop, Carramar,WA
Summary
Results-driven with forward-thinking approach centered on company success and competitive growth. Demonstrated record of success in building successful teams and managing profitable operations.
Motivated business professional bringing over 10 years of entrepreneurial experience. Dedicated and personable with extensive experience in managing sales operations and personnel. Well-versed in training, educating, motivating and supporting staff members. Creative Business Owner with exceptional background spent in finance. Proven leader with engaging demeanor and success working in most demanding environments. Talented in training and mentoring successful teams.
Overview
25
25
years of professional experience
Work History
Mortgage Broker
Self -T S Lending
Carramar, WA
01.2014 - 09.2021
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
- Assessed clients' financial data to determine loan suitability.
- Collaborated with different lenders to find best possible deal for homebuyers.
- Established strong relationships with borrowers, which helped to forge new business opportunities.
- Evaluated borrower financial information, pay stubs and credit history to determine loan possibility.
- Implemented sales strategies that established relationships with CPAs and Financial planners.
- Fielded customer complaints and provided solutions.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Monitored pipelines to track and log status of loans.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Owner Operator
SUBWAY®Restaurants
Balcatta, WA
08.2010 - 10.2013
- Managed day-to-day business operations.
- Applied performance data to evaluate and improve operations, target current business conditions and forecast needs.
- Devised processes to boost long-term business success and increase profit levels.
- Established, optimised and enforced business policies to maintain consistency and high-quality standards across industry operations.
- Recruited, hired and trained initial personnel, working to establish key internal functions and outline scope of positions.
- Reduced personnel turnover and promoted employee development by recruiting team-oriented candidates and implementing new training practices.
- Trained and motivated employees to perform daily business functions.
Payroll Officer
Department Of Education & Training
Perth, WA
10.2007 - 01.2009
- Performed calculations in overtime, vacation and sick hours to provide accurate data to payroll processing database.
- Applied knowledge of regulations, employment law and tax code to keep operations in compliance with applicable standards.
- Calculated payroll deductions accurately and processed payroll to meet preset requirements.
- Managed payroll data entry and processing for employees to comply with predetermined company guidelines.
- Offered payroll-related subject matter expertise to management and employees to resolve payroll discrepancies.
- Reviewed time records for employees to verify accuracy of information.
- Investigated payroll variances and employee claims to resolve discrepancies and balance financial records.
- Maintained employee privacy and protected payroll operations by keeping all information confidential.
- Calculated salaries, rate changes, retroactive adjustments, overtime, bonus, vacation, termination and long service leave.
- Reviewed personnel records to determine names, rates of pay, occupations of new hires and changes in wage rates.
Franchise Loans Officer
Bankwest Business
Perth, WA
07.2006 - 09.2007
- Receiving and assessing loan applications for approval.
- Making sure all required paperwork and legal documents are in order.
- Issuing loan contracts for signing.
- Dealing with lawyers to make sure that settlement is done in a timely manner.
- Executing and drawing down loans after settlement.
Branch Manager
NAB
Bunbury, WA
01.2005 - 06.2006
- Boosted branch sales by developing and deepening customer loyalty through incentive programs.
- Engaged employees in business processes with positive motivational techniques.
- Gathered and reviewed customer feedback to improve operations.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Maintained friendly and professional customer interactions.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Identified and capitalized on community business opportunities with effective networking.
- Assessed employee performance and developed improvement plans.
- Recommended loan approvals and denials based on customer loan application reviews.
- Submitted loan applications to loan underwriter for verification and recommendation.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Uncovered and resolved strategic and tactical issues impacting sales management and business operations.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring and termination processes and coaching employees on company protocol.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
Sales & Service Adviser
NAB
Perth, WA
06.1999 - 01.2005
- Engaged with customers to effectively build rapport and lasting relationships.
- Trained and developed new sales team associates in products, selling techniques and company procedures.
- Boosted sales by conferring with customers to evaluate requirements and recommend best-fit company offerings.
- Solved customer challenges by offering relevant products and services.
- Provided positive first impressions to welcome existing, new and potential customers.
Call Centre Officer
Town & Country / ANZ
Perth, WA
12.1998 - 06.1999
- Actively listened to customers' requests, confirming full understanding before addressing concerns.
- Worked flexible hours; night, weekend, and holiday shifts.
- Worked with customers to understand needs and provide excellent service.
- Handled over 100 calls per day to address customer inquiries and concerns.
- Maintained energy and enthusiasm in fast-paced environment.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
Call Centre Officer
Police & Nurses Credit Society
Perth, WA
07.1998 - 11.1998
- Actively listened to customers' requests, confirming full understanding before addressing concerns.
- Devoted special emphasis to punctuality and worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.
- Exceeded goals through effective task prioritization and great work ethic.
- Maintained excellent attendance record, consistently arriving to work on time.
- Maintained energy and enthusiasm in fast-paced environment.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
- Handled over 150 calls per day to address customer inquiries and concerns.
Bank Teller
Bankwest
Osborne Park, WA
12.1994 - 07.1998
- Assisted customers with setting up or closing accounts.
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates.
- Educated customers on use of banking website and mobile apps.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Turned in excess cash to maintain drawer security.
- Counted and packaged currency and coins.
- Reconciled cash drawer and resolved discrepancies.
- Processed customer transactions promptly, minimizing wait times.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Recognized needs and referred to appropriate representative or line of business for cross-sell or service opportunities.
Education
High School Diploma -
Craigie Senior High School
Craigie, WA10.1993
Skills
- Problem Solving
- Sales Promotion
- Employee Motivation
- Business Leadership
- Quality Assurance
- Sales Tracking
- Cost Reduction
- Performance Assessment
- Policy Development and Enforcement
- Team Leadership
- Multitasking and Prioritisation
- Sales Coaching
Accomplishments
- Numerous customer and staff compliments for service.
- Creating a positive environment to work in.
- Self motivated to achieve results in a timely manner.
cricket, golf
Since a young age I have been very interested and involved in both cricket and golf. Have been associated with a cricket club for over 20 years and have been on the committee in several roles including President.
Timeline
Mortgage Broker
Self -T S Lending
01.2014 - 09.2021
Owner Operator
SUBWAY®Restaurants
08.2010 - 10.2013
Payroll Officer
Department Of Education & Training
10.2007 - 01.2009
Franchise Loans Officer
Bankwest Business
07.2006 - 09.2007
Branch Manager
NAB
01.2005 - 06.2006
Sales & Service Adviser
NAB
06.1999 - 01.2005
Call Centre Officer
Town & Country / ANZ
12.1998 - 06.1999
Call Centre Officer
Police & Nurses Credit Society
07.1998 - 11.1998
Bank Teller
Bankwest
12.1994 - 07.1998
High School Diploma -
Craigie Senior High School
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