Vandalia Yonathan

· · Actively expanded portfolios by sourcing new business through brokers and client referrals, while strengthening relationships with existing customers through tailored financial solutions aligned with their goals and circumstances.

· Analysed financial statements and applied character-based lending principles to assess creditworthiness, balancing clients’ integrity, reputation, and reliability alongside financial metrics in a fast-paced challenger bank environment.

· Conducted proactive, consultative client meetings to review financial progress and build trusted, long-term relationships.

· Negotiated flexible loan terms, interest rates, and repayment schedules tailored to evolving client needs and risk profiles.

· Structured and executed lending transactions from proposal through funding, ensuring strict compliance with banking policies and commercial lending regulations while embracing innovative processes.

· Delivered tailored financial products and leveraged cross-selling strategies to accelerate revenue growth in a competitive market.

· Mentored junior staff on credit writing, relationship management, character assessment, and client service best practices within an agile, customer-focused culture.

· Maintained strong relationships with the distribution network, including brokers and accountant to support business growth and client acquisition.

· Monitored portfolio activities closely, quickly resolving discrepancies to uphold portfolio integrity and performance.

· Collaborated cross-functionally to streamline loan processing and approval workflows, driving the challenger bank’s emphasis on speed to market and enhanced client satisfaction.

· Exercised sound credit judgment by applying underwriting policies, character assessment, and lending discretion within an innovative, risk-aware environment.Actively expanded portfolios by sourcing new business through brokers and client referrals, while strengthening relationships with existing customers through tailored financial solutions aligned with their goals and circumstances.

· Analysed financial statements and applied character-based lending principles to assess creditworthiness, balancing clients’ integrity, reputation, and reliability alongside financial metrics in a fast-paced challenger bank environment.

· Conducted proactive, consultative client meetings to review financial progress and build trusted, long-term relationships.

· Negotiated flexible loan terms, interest rates, and repayment schedules tailored to evolving client needs and risk profiles.

· Structured and executed lending transactions from proposal through funding, ensuring strict compliance with banking policies and commercial lending regulations while embracing innovative processes.

· Delivered tailored financial products and leveraged cross-selling strategies to accelerate revenue growth in a competitive market.

· Mentored junior staff on credit writing, relationship management, character assessment, and client service best practices within an agile, customer-focused culture.

· Maintained strong relationships with the distribution network, including brokers and accountant to support business growth and client acquisition.

· Monitored portfolio activities closely, quickly resolving discrepancies to uphold portfolio integrity and performance.

· Collaborated cross-functionally to streamline loan processing and approval workflows, driving the challenger bank’s emphasis on speed to market and enhanced client satisfaction.

· Exercised sound credit judgment by applying underwriting policies, character assessment, and lending discretion within an innovative, risk-aware environment.

• Managed portfolio of 50 Business Banking and Corporate clients, generating minimum turnover of $3 million.
• Prospected and qualified new business to achieve revenue and customer satisfaction targets.
• Established and nurtured customer relationships to drive portfolio growth and satisfaction.
• Sourced, negotiated, structured, and executed lending transactions from proposal to funding.
• Maintained relationships with distribution network, including brokers and mobile mortgage managers.
• Provided comprehensive financial products, increasing bank revenue through cross-selling efforts.
• Made informed credit decisions by applying underwriting policy and exercising lending discretion.
• Communicated complex lending decisions to originators, fostering trust and retaining clients.

• Managed portfolio of 70 clients, generating minimum turnover of $1 million and lending up to $15 million.
• Developed expertise in Self Managed Super Funds, sharing knowledge through team training sessions.
• Prospected and qualified new business to meet revenue, sales targets, and customer satisfaction objectives.
• Established and nurtured customer relationships to drive portfolio growth and enhance satisfaction.
• Sourced, negotiated, structured, and executed lending transactions from proposal preparation to funding.
• Provided comprehensive financial products, increasing bank revenue through cross-selling strategies.
• Communicated declines or complex lending decisions effectively to maintain customer relationships.
• Ensured compliance with policies, procedures, and legislative requirements in all activities.

• Managed over 20 corporate clients, generating revenue between $10 million and $100 million.
• Diversified portfolio across sectors including education, IT, and real estate.
• Prospected and qualified new business opportunities to expand client base.
• Established and maintained strong relationships with existing and potential customers.
• Executed lending transactions by sourcing, negotiating, and structuring deals.
• Prepared Credit Memorandum for approval from credit executives.
• Increased bank revenue through cross-selling various financial products to clients.
• Monitored financial covenants, analyzing strategies to identify key risks.

• Established and managed customer relationships to enhance satisfaction levels.
• Handled inbound and outbound sales contacts to explore and close opportunities.
• Achieved revenue and sales targets while meeting customer satisfaction objectives.
• Engaged in discussions about information and communication technology to educate customers on new solutions.
• Operated as a trusted advisor, focusing on solution sales.
• Led engagement with integrated partners to deliver comprehensive ICT solutions.
• Collaborated closely with dealers and independent business centers to identify sales opportunities.

• Managed and Run an open 24 hours five stories Café/ Restaurant/ Bar.
• Managed and trained more than 50+ employees.
• Managed and monitored financial and cash flow for the company.
• Sourcing, negotiating with suppliers and customers to increase company’s revenue.
• Managed functions and wedding up to 300 people.
• Continuously monitoring market condition in the related industries to excel and provide the best service possible.
• Complete responsibility for the operational management of the portfolio.
• Preparing customer documentation, including legal documents and recording of loan transactions.
• Maintaining staff performance.
• Implemented food and beverages quality control system.

• Manage 20+ corporate clients, with minimum turnover of $10 millions to up to $100 millions.
• Cash Flow Lending portfolio.
• Various customers based included recruitment agency, charity organisation, investors, property developers, and many others.
• Worked in couple different portfolios.
• Prospecting and qualifying new business.
• Establish and maintain relationship with existing and potential customers.
• Sourcing, negotiating, structuring and executing lending transactions.
• Preparation of Credit Memorandum and presenting to credit executives for approval.
• Providing full suits of financial products to clients and increasing bank revenue through cross-selling deposit, lending, transaction banking and wealth products.
• Monitoring financial and reporting covenants for customers on the portfolio.
• Analysing Customer financial strategies, recommendation and identifying key risk factors pertinent to the customer and the industry.
• Complete responsibility for the operational management of the portfolio.
• Preparing customer documentation, including legal documents and recording of loan transactions.
• Maintaining an understanding of the customer's industry and associated markets.
• Adhering to technical standards and compliance requirements.
• Work with frontline, product partners and other stakeholders to maximize business performance and the customer value proposition.
• Proactively attend to customer queries and requirements and provide effective and efficient solutions.
• Analyse customer financial statements on weekly, monthly, and yearly basis, including identification of trends, issues and recommendation of strategy to address.
• Files/ Customers maintenance in accordance to policy and compliance requirements.
• Ability to relief Relationship Manager and ability to train new assistant manager, within the set or district.
• Making quality credit decisions within system or own lending discretion (CAD).
• Applying underwriting policy and judgment to make clear well-researched recommendations on decisions outside system and own lending discretion.
• Building relationships and increased repeat business through delivery of excellent customer service.
• Use of influencing ability to communicate declines or complex lending decisions to Originators in a manner that retains existing customer and wins new business.
• Manage own workflow by adjusting conflicting priorities to ensure all applications and conditions are assessed within SLA.
• Responsible for validating information provided by the third party origination channels, against ANZ Credit policy, to determine if a mortgage application can be approved or requires referral to an underwriter for full assessment.
• Ensuring correct fees are applied and disclosed.
• Ensuring all activities are carried out and recorded in compliance with Bank policies and procedures and legislative requirements.
• Contributing to the establishment and maintenance of relationships with distribution network (Brokers/Branches/ personal managers/Mobile Mortgage Managers).
• Provision of customer service and ensuring Service Level Agreement standards are met.

• Permanently appointed in one portfolio, to growth and expand the portfolio.
• Property secured lending portfolio.
• Manage +60 clients within a designated territory.
• Conduct credit analysis to ensure the capacity and capability of the customer to service the loan.
• Conduct yearly review.
• Liaising directly with customers.
• Prepare security documentation for settlement completion.
• Arranging and attend property settlements.
• Demonstrate a high level of ANZ Product Knowledge to comply with the client’s needs.

• Helping various different Relationship Manager that overload the amount of work, or relieving assistant manager that currently on leave.
• The target market being small medium enterprises clients.
• Maintain and control the clients accounts.
• Blending in with the workers to gain as much experience and knowledge as possible.
• Verifying loan applications have all required information and accompanying documentation.
• Telephone based follow-up of any deficiencies in a timely and effective manner, maintaining customer service and productivity levels.
• Ensuring all activities is carried out in compliance with Bank policies and procedures.
• Provide excellent customer service towards the customers by providing effective and efficient services.

• Work closely with the team to ensure that the teams’ targets are met as well as within designated territory.
• Provide excellent customer service towards all of our customers by providing convenience and services.
• Manage the bulk money in the branch (Number one teller).