Vitnesh Prasad (CPA)
Denham Court,New South Wales
Summary
Dynamic Business Manager with a proven track record in strategic planning and process improvement. Financial management expert with a proven track record in leading cross-functional projects that boost operational efficiency. Skilled in coaching teams to enhance performance, resulting in substantial improvements in customer relationship management. Proficient in data-driven decision-making, driving measurable outcomes across various initiatives.
Overview
19
19
years of professional experience
Work History
PORTFOLIO BUSINESS MANAGER
AMP BANK
07.2017 - Current
- Cultivated strong client relationships through effective communication and personalized service.
- Development and implementation of streamlined business processes to drive efficiency and engagement in a variety of projects as a Subject Matter Expert for Business Finance.
- Skills development across the Business Finance value chain, including seven direct reports, is essential to facilitate the effective running of the middle office function for business lending.
- Led cross-functional projects, identified, and solved complex and ambiguous problems in all areas of business.
- Performed analysis to derive and implement data-driven strategic decisions.
- Maintained strict procedural control, conducting business with impeccable ethics, and a good understanding of long-term business needs.
- Gathered, aggregated, and modeled critical business data to forecast changing market variables.
BUSINESS FINANCE CUSTOMER MANAGER
AMP BANK
11.2015 - 06.2017
- Developed strategies to attract new customers, while retaining existing ones.
- Managed client portfolios, addressing inquiries, and resolving issues promptly.
- Collaborated with cross-functional teams to enhance customer experience initiatives.
- Developed financial plans tailored to client needs and goals through proactive customer consultations.
- Undertook loan pre-assessment calculations to ensure creditworthiness, and prepared a credit memorandum for submission to the credit team for approval.
- Trained team members and monitored activities to maintain the quality of services and enhance the effectiveness of offered solutions.
CREDIT ASSESSOR/ANALYST
WESTPAC BANKING GROUP
03.2015 - 10.2015
- Assessed the viability of loan applications from the information provided by mortgage brokers, as well as other sources.
- Developed and maintained positive relationships, built trust and confidence with mortgage brokers by understanding their needs, and by providing sound advice to maintain trust, confidence, and repeat business.
- Leveraged an understanding of lending to help structure financing and negotiate terms based on accurate risk considerations.
CREDIT ANALYST
BRITISH AMERICAN TOBACCO AUSTRALASIA
12.2013 - 02.2015
- Produced various credit reports for management, enabling balanced business decisions.
- Collected, analyzed, and interpreted information on financial status and trading effectiveness of organizations, including trade levels.
- Conducted reviews and recommended restructures and/or extensions to existing credit facilities for customers.
MANAGER BUSINESS CREDIT
BANK SOUTH PACIFIC LIMITED
09.2011 - 11.2013
- Managed a team of credit specialists, including two credit managers.
- Responsible for assessing, approving, and presenting commercial and corporate credit applications to appropriate Credit Approval Authority holders, including the Credit Committee, in a timely fashion.
- Drove process improvements and the introduction of initiatives to improve output quality.
- Accountable for ensuring that credit documentation and processes comply with legislative requirements.
ASSISTANT MANAGER CORPORATE
ANZ BANKING CORPORATION LIMITED
07.2010 - 08.2011
- Preparation of the credit memorandums with ongoing vigilance for early signs of credit quality deterioration, and early recommendation of appropriate actions.
- Development and execution of appropriate elements of the customer strategy, in conjunction with the Relationship Managers, and product specialists, where appropriate.
BUSINESS ANALYST
ANZ BANKING CORPORATION LIMITED
02.2010 - 06.2010
- Applied analytical tools and methods to inform business decision-making processes
- Collaborated with business users and subject-matter experts to establish technical vision and analysis for business usability and performance requirements
- Enhanced and maintained existing reports and analytical applications.
REGULATORY REPORTING OFFICER
ANZ PACIFIC OPERATION LIMITED
01.2009 - 01.2010
- Prepared and dispatched statutory returns including Quarterly Country Exposure Return for submission to
- APRA (Australian Prudential Regulatory Authority)
- Responsible for administering CAPAD (Capital Adequacy and Other Analysis System)
- CAPAD system is used to analyze customer information on loans, deposits and other general ledger accounts.
FINANCIAL REPORTING OFFICER
ANZ PACIFIC OPERATION LIMITED
01.2007 - 12.2008
- Prepared Monthly, Quarterly, Half Yearly and Annual Balance Reports in compliance with International
- Financial Reporting Standards (IFRS)
- Responsible for monthly forecasting by lines of business as well as preparation of tax entries involving.
Education
Certified Practicing Accountant (CPA) Australia, Accounting, Leadership and Business -
Bachelor of Arts - Accounting & Financial Management and Information System
University of the South Pacific
Skills
- Customer Relationship Management
- Strategic Planning
- Project Management
- Process Improvement
- Documentation and Reporting
- Financial Management
- Analytical Thinking
- Coaching and Mentoring
- Credit assessment
References
REFERENCES
Available upon request.
Interests
Traveling and experiencing new cultures and cuisines, playing and watching sports particularly soccer, socializing.
Timeline
PORTFOLIO BUSINESS MANAGER
AMP BANK
07.2017 - Current
BUSINESS FINANCE CUSTOMER MANAGER
AMP BANK
11.2015 - 06.2017
CREDIT ASSESSOR/ANALYST
WESTPAC BANKING GROUP
03.2015 - 10.2015
CREDIT ANALYST
BRITISH AMERICAN TOBACCO AUSTRALASIA
12.2013 - 02.2015
MANAGER BUSINESS CREDIT
BANK SOUTH PACIFIC LIMITED
09.2011 - 11.2013
ASSISTANT MANAGER CORPORATE
ANZ BANKING CORPORATION LIMITED
07.2010 - 08.2011
BUSINESS ANALYST
ANZ BANKING CORPORATION LIMITED
02.2010 - 06.2010
REGULATORY REPORTING OFFICER
ANZ PACIFIC OPERATION LIMITED
01.2009 - 01.2010
FINANCIAL REPORTING OFFICER
ANZ PACIFIC OPERATION LIMITED
01.2007 - 12.2008
Certified Practicing Accountant (CPA) Australia, Accounting, Leadership and Business -
Bachelor of Arts - Accounting & Financial Management and Information System
University of the South Pacific
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