ASHIKA NAMBIAR

• Develop and Implement Quality Standards: Testing effective implementation of, and adherence to policy and process driven by both external legislation, and internal risk appetite factors and associated policy change.
• Conduct Audits and Inspections: Regularly review and audit lending operations to ensure compliance with internal and external standards.
• Assist in design and conduct targeted deep dives or reviews based on potential risk management or assurance needs i.e. specific industry, process or policy.
• Analyze Data: Collect and analyze data to identify areas for improvement and implement corrective actions.
• Training and Development: Provide training and support to employees to ensure they understand and adhere to quality standards.
• Knowledge: Strong understanding of lending processes, regulatory requirements, and quality assurance practices.

• Level 3 Credit Approval Discretion (CAD) accreditation
• Delegated Financial Authority (DFA) of $2.5M Retail & $500K total Business Loans
• Assess Loan Applications: Review and evaluate Business and Home loan applications to determine their feasibility and compliance with lending criteria.
• Prepare Loan Documentation: Compile, arrange, and review all relevant documents needed for loan applications.
• Construction - Approve Fixed Price Contracts , including loan conditions for Fixed Price Contracts and Cost and Quotes. Compile and Assess Residential Development applications and provide recommendations for approval to Credit Risk.
• Customer Relationship Management: Build and maintain strong relationships with advisors to understand customers financial needs and provide tailored solutions.
• Exceeded monthly lending targets consistently, demonstrating strong sales acumen and commitment to organizational objectives.
• Assisted colleagues in managing complex loan applications, expediting processing time and ensuring timely approvals.
• Compliance and Risk Management: Ensure all lending activities comply with regulatory requirements and manage risks associated with lending.

Additional Responsibilities

• Providing 2 IC support to Team Manager and assisting with any additional tasks in his absence .
• Assisting with the Home Grown Talent (providing coaching and support to retail lending specialist who are developing / upskilling to assess business applications)

• Managing small to medium business customer portfolio and assisting with their needs via our various CC channels: Inbound phone, Email & Online Store
• Approve Secure and unsecured retail and business loans within specified CAD limits, and refer loan applications outside those limits to management for approval
• Achieve targeted business volumes through existing or new clients across current products offered in the market
• Responsible for customer service, duties included answering customer queries, problem solving and providing detailed information on products E.gTerm Deposits, Credit Cards, Personal Finance, Business Loan, Home Loans and Insurance
• Providing high level of efficient and quality/professional customer service by responding quickly and flexibly to customer needs
• Delivery of approved consumer credit applications within desired timeframe, issuance of letter of offer and timely follow-up of acceptance with customers, timely settlements, drawdowns and maintenance of customer records
• Arrears management including managing customer's outstanding payments and negotiating repayment programmes with the customers who are in financial difficulty
• Proactive contacts to undertake annual, interim and compliance reviews of allocated accounts, ensuring that records are accurate in all respects including data integrity, interest rates and fees, approval compliance, security validity and custody, and any outstanding issue

• Approve loans within specified CAD limits and refer loan applications outside those limits to management for approval
• Deepening customer relationships, exploring needs, recommending total financial solutions and closing sales
• Contributing to a significant uplift in engagement and advocacy, and create real customer value
• Offer the best possible solution to customers for their financial needs
• Cross selling of relevant products - actively sell insurance and other services provided by the bank to suit customer's needs
• Work with the team to meet service and sales objectives
• Working autonomously within the team, supporting other team members and contributing towards team goals and spirit