Zac Holmes
Bendigo,VIC
Summary
Experienced Business Banking Lender adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Lender (Direct Business Banking)
Bendigo and Adelaide Bank Limited
12.2022 - Current
- Enact on simple business lending opportunities generated through branch, online and marketing activity in a timely manner to drive applications
- Identify customers' needs and help them achieve their goals by offering banking solutions relevant to their business banking needs
- Identify opportunities for deepening customer relationships and referring business opportunities to other teams as required
- Conduct loan interviews with customers digitally
- Ensure credit decisions provide a responsible outcome for both customer and bank
- Maintain customers banking needs when required to vary or adjust the current customer offering
- Build and maintain trusted relationships with key stakeholders in Consumer, Credit Risk and Specialised products to ensure quality outcomes for the customer and the Bank.
Associate - Bendigo BCMT
Bendigo and Adelaide Bank Limited
11.2021 - 12.2022
- Support Business Bankers to manage and develop strong customer relationships
- Liaise with customers and key stakeholders to ensure an efficient and amazing service is provided to our customers
- Financial analysis, security structuring, completion of credit submissions and adherence to policy and procedures for all lending approvals for business lending typically in the range of $1-5 million
- Manage the end-to-end loan application process
- Ensure scheduled reviews are completed within agreed time limits
- Conduct customer needs analysis to match appropriate products and support cross selling opportunities
- Mentor and coach fellow team members financial analysis and credit writing skills and be the first port of call for their queries.
Analyst - Bendigo BCMT
Bendigo and Adelaide Bank Limited
07.2021 - 11.2021
- Manage the end-to-end loan application process for business lending up to $1 million, including application forms, preparation of credit submissions, settlement and loan file administration and maintenance
- Commenced learning Credit writing skills involved in Credit submissions and short form rescheduled reviews
- I was also apart of the COVID-19 team that is actioning the Banks business banking support package
- Supporting and providing assistance to team members with the roll out of new programs (DocuSign & Active Ops).
Business Support Officer – Middle Office
Bendigo and Adelaide Bank Limited
10.2019 - 07.2021
- Assist a large portfolio of Small Business Bankers (lending up to $750,000) who are based all over Australia with all administration and back office tasks
- Process full end to end lending which includes loading of application into system, documenting application and requesting settlement
- Resolve internal complaints received from Small Business Bankers and work closely along side them to achieve a satisfactory outcome
- Action daily dishonour and account excess reports
- Process account and security maintenance requests which include substitutions, discharges, and any other post - settlement related request
- I was a senior member of our team and have assisted with the on boarding and ongoing training of new team members over the last 8 months
- Provide ongoing coaching and feedback to fellow team members
- I have been a part of the Implementation of a number of new processes and procedures that have streamlined the way we work
- Assist the Small Business Managers with any problems they face and provide support both over the phone and in person
- From this role I have developed exceptional relationship building skills, as we service the whole of Australia, I have had to build relationships with internal customers that are based in each individual state
- Further built on my computer skills, I am a very confident user of multiple software systems as well as Bendigo Bank Systems including RFSB, doXgate, Laps/Commlaps, DocuSign, CSS and Optimist
- Successfully completed all risk and compliance training
- Continuously meet and exceed goals and KPI's that are set out by line manager.
Savings Specialist
Commonwealth Bank of Australia
06.2017 - 10.2019
- Work closely with a diverse range of customers both personal and business to assist them in reaching their financial goals
- Day to Day tasks include completing personal loans, personal credit cards and business credit card applications, Opening of both new Personal and Business accounts
- I worked closely with our Mortgage Lender and am the go to person for any home loan maintenance required at our branch
- Resolve any disputes and assist in referring the customer to the correct area to ensure a satisfactory outcome
- Proactively follow up with my existing and growing client base to ensure all needs are being met and exceeded as well as servicing any new requests
- As I am the second in charge (2IC) I've had plenty of experience in running the branch when the manager is absent and I enjoy taking on the added responsibility
- Conduct proactive outbound calls as well as inbound calls daily to expand client base
- Successfully completed all relevant CBA bank training, risk and compliance courses
- I regularly exceed expectations in both 6 monthly and yearly employee reviews
- Exceptional computer knowledge and skills.
Sales Consultant/Trade Representative
Beacon Lighting Bendigo
01.2016 - 06.2017
- Consistently met and exceeded store monthly sales targets
- As Trade Rep I dealt both in person and over the phone with a large portfolio of business and personal clients in the Bendigo and surrounding region.
Sales Assistant
J & R Cooke Mitre 10 Cohuna
02.2006 - 01.2016
- Conducting face to face sales in store that included dealing directly with multiple builders, farmers and general clients
- Training and coaching of fellow team members
- Ordering Stock
- Merchandising.
Education
BACHELOR OF BUSINESS -
Griffith University
Online (Open University)VCE -
Cohuna Secondary College
01.2011
Skills
- Financial History Analysis
- Analytical and Critical Thinking
- Financial Services
- Debt Restructuring
- Mortgage and Business lending
- Staff development plans
- Online training experience
- Decision-Making
- Leadership Development
- Client Retention
Certification
- TIER 2 PERSONAL ADVICE DEPOSIT PRODUCTS AND GENERAL INSURANCE, 2021, Bendigo Bank via Kaplan
- CERTIFICATE III IN FINANCIAL SERVICES, 2017, Commonwealth Bank
- ACCREDITED LIGHTING CONSULTANT, 2015, Beacon Lighting
- VICTORIAN DRIVERS LICENCE, 2012, VicRoads
- VCE, 2011, Cohuna Secondary College
Personal Information
Date of Birth: 26/01/1994
References
Available upon Request
Timeline
Lender (Direct Business Banking)
Bendigo and Adelaide Bank Limited
12.2022 - Current
Associate - Bendigo BCMT
Bendigo and Adelaide Bank Limited
11.2021 - 12.2022
Analyst - Bendigo BCMT
Bendigo and Adelaide Bank Limited
07.2021 - 11.2021
Business Support Officer – Middle Office
Bendigo and Adelaide Bank Limited
10.2019 - 07.2021
Savings Specialist
Commonwealth Bank of Australia
06.2017 - 10.2019
Sales Consultant/Trade Representative
Beacon Lighting Bendigo
01.2016 - 06.2017
Sales Assistant
J & R Cooke Mitre 10 Cohuna
02.2006 - 01.2016
BACHELOR OF BUSINESS -
Griffith University
VCE -
Cohuna Secondary College
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