BHARAT VERMA
Heidelberg,New Zealand
Summary
Banking expert with a strong background in credit risk analysis and customer relations, known for crafting customized financial solutions. Demonstrated ability to enhance client satisfaction and drive business growth through strategic insights and innovative problem-solving.
Overview
18
18
years of professional experience
Work History
Business Partner - Relationship
BNZ Bank
Invercargill, Invercargill
08.2022 - Current
- Managed a diverse property portfolio to enhance client satisfaction and credit risk profiles.
- Developed tailored solutions incorporating Bank products to meet specific client needs.
- Collaborated with BNZ specialists to provide customized solutions aligned with client objectives.
- Established strong client partnerships by understanding business challenges and presenting strategic alternatives.
- Strengthened relationships at various levels between Bank and clients to identify value-adding opportunities.
- Executed credit process decisions to establish appropriate facility limits in line with Bank’s risk appetite.
- Cultivated a network of market advocates to drive business referrals and enhance market knowledge.
- Monitored industry developments and economic trends to inform client communications and manage exposures.
Personal Manager
Westpac New Zealand Bank
Invercargill, Invercargill
04.2020 - 07.2022
- Very strong understanding of lending and service disciplines for personal and home lending, such as transportable homes, turnkey loans, construction loans, HLVR, and first home loan buyers.
- Very strong understanding of the small business lending process, such as business term loans, bonds and guarantees, and equipment finance loans.
- Ability to grow and generate sound business relationships.
- Attention to detail and innovative thinking when it comes to problem solving and providing financial solutions.
- Ability to develop external referral sources, and grow the business.
- A genuine desire to help others.
Business Analyst
Westpac New Zealand Bank
04.2019 - 04.2020
- Engaging with small business customers to understand their business needs, and add value to their interaction.
- Process all allocated workflow items, including, but not limited to, lending and non-lending inquiries, term deposits, and loan maturities.
- Assessing loan applications, analyzing customer information to support responsible lending decisions, and providing superior service nationwide to small and medium-sized enterprises.
- Having quality conversations with our customers at each interaction when they call.
- Solving the needs of new and existing customers for their retail or business requests right the first time by ensuring their needs are understood and met.
- Proactively engage with existing customers to ensure their financial needs are being met via financial health checks.
- Managing Risk: Ensures that changes to risk processes and policies are implemented.
- Identifies the causes of loss or risk.
- Takes immediate and appropriate action to minimize day-to-day risk to the business.
Multi-channel & Operation Service Specialist (Banking Advisor)
Westpac New Zealand Bank
04.2017 - 04.2019
- Assisting customers with all their lending requirements, including home loans, personal loans, and credit cards.
- Keeping up to date with the Responsible Lending Code to ensure the best possible practice.
- Working towards achieving KPIs, which include, but are not limited to, Call Quality, Voice of Customer Surveys, and Clean Credit Reviews.
- Above all, making sure all the customers I speak to get their financial needs sorted, whether that is lending or education on how to have a better use of means.
- 2 times Certificate of Achievement in Customer Service.
- Letter of appreciation from the Sales Manager and Operations Head for a team player.
Testing officer and Customer service Operational
VTNZ and NZTA
10.2016 - 04.2017
- Take the applicant along the prescribed test route to determine their abilities in accordance with the Testing Manual.
- Debrief the applicant on the outcome of their testing, and provide constructive feedback to the unsuccessful applicant on improvements.
- Issue Warrants of Fitness (WOF) and Certificate of Fitness.
- Assist automotive technicians with data entry into the relevant system.
- Issue temporary licenses to successful applicants.
- Administer daily cash-up and banking procedures.
- Report all hazards or unsafe situations.
- 3 times Certificate of Achievement in Customer Service.
- 3-time Employee of the Month.
- Conducted vehicle inspections to ensure compliance with safety standards.
- Trained new staff on operational procedures and company policies effectively.
Business Store Manager
Portage and Waitakere Licensing Trust
11.2014 - 10.2016
- Managed daily operations to meet business standards and enhance customer service.
- Oversaw financial performance, achieving significant growth in gross profit from 2014 to 2016.
- Led human resource initiatives, including recruitment, onboarding, training, and performance management.
- Developed comprehensive business plans aligning with trust guidelines and objectives.
- Monitored quality across all processes and operations to ensure high standards.
- Contributed actively to trust projects, enhancing community engagement and support.
- Achieved multiple certifications in customer service excellence and industry expertise from 2012 to 2016.
- Trained and supervised staff to foster teamwork and improve operational efficiency.
Assistant Store Manager
Portage and Waitakere Licensing Trust
11.2011 - 11.2014
- Collaborated with Store Manager to enhance operational efficiency.
- Provided support and guidance to staff during challenging situations.
- Promoted sales growth, resulting in increased profits.
- Reported incidents promptly to Store Manager for resolution.
- Submitted staff hours accurately to Payroll department for processing.
- Achieved Certificate in Wine Expertise from Brands Peter Ye-land and Villa Maria.
- Earned 100 Percent Professional Sales Certificate from The Trusts in 2010 and 2011.
Carrier Advisor / Sales Representative – Part Time
Best Training Pacific Institution of Education
04.2008 - 11.2011
- Advised new students in collaboration with admissions and financial aid staff.
- Provided individual academic advising to returning students regarding Institute policies and programs.
- Counseled students on career options and guided development of job search skills.
- Supported diverse domestic students from various ethnic and cultural backgrounds.
- Collaborated with Academic and student services staff to enhance student support systems.
- Facilitated student recruitment and experience events to promote engagement.
- Coordinated admissions and enrollment processes for streamlined operations.
- Demonstrated strong interpersonal skills through effective relationship management and advocacy.
Education
Bachelor’s degree - Management and Marketing Management
A.I.S ST Helen
New Zealand01.2011
Diploma - International Business
A.I.S ST Helen
New Zealand01.2008
Skills
- Business and commercial banking
- Consumer banking
- Credit risk analysis
- Financial product expertise
- Risk management
- Customer service and relations
- Sales negotiation
- Business analysis
- Market strategy insights
Accomplishments
- Certificate in Professional Banking Fundamental from FINSIA - 2023
- 2 times Certificate of Achievement in Customer Service
- Letter of appreciation from Sales Manager and Operation head for Team player
- 3 times Certificate of Achievement in Customer Service at VTNZ and NZTA
- 3 times employee of the month at VTNZ and NZTA
- Store of the year 2014-2015 and 2015-2016 in increasing gross profit at Portage and Waitakere Licensing Trust
- Certificate in Best Customer service of year 2015, 2016
- Certificate in Wine & Spirits Expertise (Villa- Maria, Jameson Irish Whiskey, Jim Beam and Lions) 2012-2015
- 100 Percent professional sales certificate from The Trusts in 2012, 2013, 2014 and 2015
- Certificate of Achievement in World Class Customer Service from Dale Carnegie Training in 05/12
- 6 Times Scholarship Certificate
References
Available on request
Affiliations
- Motorbikes
- Cricket
- Pool/snooker
- Table tennis
- Cooking
Timeline
Business Partner - Relationship
BNZ Bank
08.2022 - Current
Personal Manager
Westpac New Zealand Bank
04.2020 - 07.2022
Business Analyst
Westpac New Zealand Bank
04.2019 - 04.2020
Multi-channel & Operation Service Specialist (Banking Advisor)
Westpac New Zealand Bank
04.2017 - 04.2019
Testing officer and Customer service Operational
VTNZ and NZTA
10.2016 - 04.2017
Business Store Manager
Portage and Waitakere Licensing Trust
11.2014 - 10.2016
Assistant Store Manager
Portage and Waitakere Licensing Trust
11.2011 - 11.2014
Carrier Advisor / Sales Representative – Part Time
Best Training Pacific Institution of Education
04.2008 - 11.2011
Bachelor’s degree - Management and Marketing Management
A.I.S ST Helen
Diploma - International Business
A.I.S ST Helen