Vanessa Rutherford
Brisbane
Summary
I am a highly capable successful finance and insurance, customer service, account management professional with 5+ years’ experience. I bring with me an excellent eye for detail, extensive finance experience and firstclass customer service skills. I am quick to learn with an exceptional ability to adapt to new environments and I could be utilised across a range of finance roles. My communication, both verbal and written is first-class and I am committed to achieving the best outcomes for my customers, while simultaneously ensuring a positive result for my employer. I display outstanding organisational skills and can prioritise my own workload to ensure personal and company targets are met consistently. I have a strong work ethic and I aim to deliver quality outcomes every time. I am a fluent user of the Microsoft Office Suite, Ignite, CRM, other internal banking systems and dealership systems. I have a sound typing speed.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Cluster Manager
Automall Aspley
12.2024 - Current
- Manage the day-to-day operations of the finance department
- Maintain and develop strong and effective relationships, work collaboratively, and negotiate extensively with senior management, divisional staff, other areas of the department and external stakeholders
- Build relationships with internal and external stakeholders
- Track daily sales of staff and generate activity and productivity reports
- Meeting monthly KPI’s with BMW Australia
- Compliant with legislation at all times
- Assist sales staff in determining available finance options
- Proficient use of dealer software
- Develop and maintain relationships with departmental managers to create cross selling opportunities to grow the business and brand
Senior Business Manager
Brisbane BMW
01.2023 - 12.2024
- Manage the day-to-day operations of the finance department
- Maintain and develop strong and effective relationships, work collaboratively, and negotiate extensively with senior management, divisional staff, other areas of the department and external stakeholders
- Build relationships with internal and external stakeholders
- Track daily sales of staff and generate activity and productivity reports
- Meeting monthly KPI’s with BMW Australia
- Compliant with legislation at all times
- Assist sales staff in determining available finance options
- Proficient use of dealer software
- Develop and maintain relationships with departmental managers to create cross selling opportunities to grow the business and brand
Business Manager
Brisbane BMW
01.2020 - 01.2023
- Arrange consumer/commercial finance and review required documents to determine approval/decline
- Sell insurance products to all customers. General advice given
- Track daily sales and generate activity and productivity reports
- Meeting monthly KPI’s
- Compliant with legislation at all times
- Verify customer information
- Assist sales staff in determining available finance options
- Handle vehicle demonstrations and arrange test drives
- Handle cash, cheques, credit card payments as well as daily banking
- Close sale contracts and cross sell
- Structure loan packages for customers
- Proficient use of dealer software
- Develop and maintain relationships with department manager to create cross selling opportunities to grow the business and brand
Senior Retail Lending Officer
Suncorp Lending Services
07.2019 - 01.2020
- Assessing, validating home loan applications
- Ability to identify an acceptable level of lending risk, in line with Suncorp’s Risk Appetite Statement
- Ability to analyse financial statements and prepare credit submissions, including the identification of key risk and mitigants
- Order title searches, valuations
- CRM, Ignite, Apply Online and many other finance systems
- Action loan documentation and complete compliance checks
- Liaise with brokers at all times
- Liaise with various stakeholders (internal/external) to ensure seamless end to end loan processing
- Demonstrated ability to work well under pressure while meeting strict deadlines and targets
- Can manage strictly confidential information
- High degree of accuracy with regards to attention to detail
- Excellent communication skills
- Proven ability to build and work collaboratively in a team-based environment
- Collaborate with peers in the team and the wider Business Customer teams to ensure effective support and service delivery
- Contribute to developing a positive and proactive Safety and Wellbeing culture including meeting all safety and wellbeing compliance requirements.
Business Manager
Mt Gravatt Volkswagen
07.2018 - 07.2019
- Build relationships with internal and external stakeholders
- Offer finance quotes to all customers
- Arrange consumer/commercial finance and review required documents to determine approval/decline
- Settle consumer and commercial loans
- Converting customers to the Choice program
- Sell insurance products to all customers. General advice given
- Track daily sales and generate activity and productivity reports
- Meeting monthly KPI’s
- Compliant with legislation at all times
- Verify customer information
- Assist sales staff in determining available finance options
- Handle vehicle demonstrations and arrange test drives
- Handle cash, cheques, credit card payments as well as daily banking
- Close sale contracts and cross sell
- Process and control payouts for vehicle trade-ins
- Structure loan packages for customers
- Proficient use of dealer software
- Develop and maintain relationships with department manager to create cross selling opportunities to grow the business and brand
Business Manager
Oldmac Toyota
02.2017 - 07.2018
- Build relationships with internal and external stakeholders
- Arrange consumer/commercial finance and review required documents to determine approval/decline
- Settle consumer and commercial loans
- Converting customers to the Choice program
- Sell insurance products to all customers. General advice given
- Track daily sales and generate activity and productivity reports
- Meeting monthly KPI’s
- Compliant with legislation at all times
- Verify customer information
- Assist sales staff in determining available finance options
- Handle vehicle demonstrations and arrange test drives
- Handle cash, cheques, credit card payments as well as daily banking
- Close sale contracts and cross sell
- Structure loan packages for customers
- Proficient use of dealer software
- Develop and maintain relationships with department manager to create cross selling opportunities to grow the business and brand
Business Manager
Oldmac Mazda
06.2014 - 02.2017
- Build relationships with internal and external stakeholders
- Arrange consumer/commercial finance and review required documents to determine approval/decline
- Settle consumer and commercial loans
- Converting customers to the Choice program
- Sell insurance products to all customers. General advice given
- Track daily sales and generate activity and productivity reports
- Meeting monthly KPI’s
- Compliant with legislation at all times
- Verify customer information
- Assist sales staff in determining available finance options
- Handle vehicle demonstrations and arrange test drives
- Handle cash, cheques, credit card payments as well as daily banking
- Close sale contracts and cross sell
- Structure loan packages for customers
- Proficient use of dealer software
- Develop and maintain relationships with department manager to create cross selling opportunities to grow the business and brand
Customer Service Officer
Bank Of Queensland
01.2013 - 02.2014
- Greeting all customers and visitors and assisting them with their queries
- Perform specialised tasks, such as preparing cashiers cheques, personal money orders, issuing travellers cheques and exchanging foreign money and cross selling
- Meeting weekly and monthly KPI’s
- Perform services for customers such as ordering bank cards and cheques
- Managing switchboard telephones
- Receive and verify loan payments, mortgage payments and credit card payments, cash and cheques for deposits and process cash withdrawals
- Record all transactions promptly, accurately and in compliance with bank procedures
Lending Conversion Officer
Suncorp Lending Services
01.2011 - 12.2012
- Responsible for the classification of documents to the electronic loan files
- Complete administration checklists including preparation of files
- Copy, scan and store documents
- Check for accuracy and edit files
- File documents in physical and digital records
- Retrieve files as requested by employees and clients
- Managing mailboxes and actioning queries within agreed service level agreements
- Comfortable and competent at working individually or within a team
- Achieving daily targets
Education
Allianz Insurance Compliance
01-2014
BMW Financial Services
01-2020
Angle Auto Finance
01-2020
Taurus Motor Finance
12-2024
Nissan Financial Services
12-2024
Allied Financial Services
12-2024
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Volkswagen Financial Services
01.2018
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Toyota Financial Services
01.2018
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St George Financial Services
01.2014
Skills
- Consumer, Commercial & Mortgage Lending
- Finance & Insurance Sales
- Stakeholder & Client Relationship Management
- Compliance, Legislation & Risk Management
- Loan Packaging & Credit Submissions
- KPI Achievement & Performance Reporting
- Department Operations & Team Support
- High-Level Customer Communication
- Confidential Document & Data Handling
- Cross-functional Coordination
- Team Leadership
Certification
- Cert III in Financial Services – Tier 2 Accreditation 2012
- Cert II in Business 2010
- Cert II in Workplace Practices 2010
- Cert II in Aviation (Flight Operations) Dangerous Good Awareness Applied First Aid, Aircrew Security Response Program, Certificate of Achievement Tactical Solutions Operations of Aircraft Boeing 737 and Airbus A330. Standard Operating Procedures Evacuation Procedures
- December 2013 – First Aid Certificate
- December 2013 – Responsible Service of Alcohol Certificate
- November 2012 – Cert III in Financial Services – Tier 2 Accreditation
- December 2010 – Cert II in Business – Ferny Grove State High School
- December 2010 – Cert II in Workplace Practices – Ferny Grove State High School
Timeline
Cluster Manager
Automall Aspley
12.2024 - Current
Senior Business Manager
Brisbane BMW
01.2023 - 12.2024
Business Manager
Brisbane BMW
01.2020 - 01.2023
Senior Retail Lending Officer
Suncorp Lending Services
07.2019 - 01.2020
Business Manager
Mt Gravatt Volkswagen
07.2018 - 07.2019
Business Manager
Oldmac Toyota
02.2017 - 07.2018
Business Manager
Oldmac Mazda
06.2014 - 02.2017
Customer Service Officer
Bank Of Queensland
01.2013 - 02.2014
Lending Conversion Officer
Suncorp Lending Services
01.2011 - 12.2012
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Volkswagen Financial Services
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Toyota Financial Services
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St George Financial Services
Allianz Insurance Compliance
BMW Financial Services
Angle Auto Finance
Taurus Motor Finance
Nissan Financial Services
Allied Financial Services