Results-oriented Business Banker and Mortgage Adviser with 25+ years' experience driving profitability and building strong client relationships. Proven ability to analyze financial statements, mitigate risk, and lead teams to achieve significant growth (15% average profitability increase, 20% enhanced profitability, $5M in new business annually). Maintains 100% regulatory compliance.
Hi, I’m
Faith Holm
Wellington,Tawa
Summary
Overview
21
years of professional experience
1
Certification
Work History
Futurebound
Senior Mortgage Adviser
01.2021 - Current
Job overview
- Company Overview: A key member of the Mortgage Adviser team at a leading New Zealand financial advisory provider firm specializing in wealth creation and accelerated mortgage payoff strategies.
- Perform comprehensive financial analyses, including cash flow projections, debt-to-income ratio calculations, and SWOT analyses, to develop personalized financial strategies for clients, resulting in 25% in client net worth
- Develop and maintained strong client relationships through proactive communication, resulting in 98% client retention rate
- Ensure strict adherence to all relevant regulatory guidelines, including AML/KYC and CCCFA regulations, maintaining a 100% compliance record
- Consistently exceed sales targets, generating 35 million in new revenue over 10,5 months
- Develop and maintained relationships with 26 industry specialists and referral partners, leading to 15 new client referrals annually
- Develop customized financing solutions for borrowers by assessing their unique financial circumstances and goals.
- Maintain up-to-date knowledge of industry trends, products, and regulatory changes to provide comprehensive guidance to clients.
- Identify potential risks in mortgage applications through careful analysis and due diligence procedures, safeguarding the organization from financial loss.
- Efficiently manage a high volume of daily tasks, prioritizing workload based on deadlines and client needs without sacrificing quality or accuracy.
- Collaborate with underwriters to expedite loan decisions, successfully meeting clients'' needs and expectations.
- Resolve complex loan issues by working closely with clients to gather necessary documentation and mitigate potential roadblocks in the approval process.
None At This Time
Planned Career Break
05.2020 - 12.2020
Job overview
- Took a planned career break to focus on personal matters, including engaging in physical activities, volunteer work, and various training opportunities
- Actively participated in volunteer efforts, contributing to the community and gaining valuable interpersonal skills
- Engaged in physical activities to maintain well-being and enhance personal development
- Pursued various training opportunities to broaden knowledge and skills, focusing on topics such as global disaster dynamics
- Developed a profound passion for financial expertise, leveraging this newfound knowledge and skill set for professional growth
- Returned to the workforce with renewed focus, perspective, and a strengthened commitment to applying diversified skills in a professional setting
ANZ Bank
Business Banking Manager
05.2007 - 04.2020
Job overview
- Evaluated and approved business credit applications within delegated lending authority (DLA) limits, maintaining a 97% approval rate and a 2% reduction in loan defaults
- Successfully mentored and developed a team of 9 business banking managers, resulting in a 15% improvement in team performance metrics
- Managed a portfolio of over 300 high-net-worth business clients with over $220 million in funds under management, maintaining a 99% client retention rate
- Successfully oversaw 34 complex construction and development deals, of $45 million in loan value
- Provided leadership and direction to grow team portfolio and increase revenue.
- Met with customers to assess needs and propose customized solutions.
- Provided expert guidance to clients on cash management solutions, credit facilities, investment options, and other banking products/services available to them.
- Represented the bank at networking events and conferences, promoting brand awareness within the community while generating leads for potential clients.
- Delivered exceptional experience and maintained productive relationships with area small businesses.
- Achieved revenue targets consistently through effective pipeline management and timely execution of sales initiatives.
- Expanded market share within the region by identifying growth opportunities and establishing strategic partnerships with local businesses.
- Boosted client retention rates by conducting regular account reviews to identify upselling opportunities and address any concerns or pain points proactively.
ABSA Bank
Business Development Manager
06.2004 - 10.2006
Job overview
- Company Overview: A leading commercial bank in South Africa
- Increased market share within the Western Cape region by 50% through targeted marketing campaigns and strategic partnerships with key stakeholders
- Generated 250 new business accounts, resulting in $250,000 increase in revenue for the six branches
- Improved sales lead conversion rate by 20% through enhanced lead qualification and targeted outreach strategies
- Increased cross-selling of banking products and services by 15%, resulting in a $1,150 increase in average revenue per client
- Organized and hosted 52 networking events, resulting in 1000 new business leads and 12 successful partnerships
- Developed and fostered strategic partnerships with 25 key stakeholders (developers, local government business mentors, accountants, solicitors, etc.), resulting in 20 new business opportunities
- Consistently exceeded quarterly/annual targets for new business acquisition and revenue generation by 160%
- A leading commercial bank in South Africa
Education
University of South Africa
Hons of Commerce (B. Comm) from International Business Studies, Strategic and Operational Management
University Overview
- Not completed
- I have developed a solid understanding and practical expertise in International Business Studies, Strategic and Operational Management.
University of South AfricaSouth Africa
Bachelor of Administration (B. Admin) from Finance Management, Accounting, Economics, Commercial and Labour Law, Operational Management, Political Science, and Marketing
University Overview
Developed a solid foundation in Financial Management, Accounting, Economics, Commercial and Labour Law, Operational Management, Political Science, and Marketing, which I have effectively applied throughout my career.
- Recipient of Transport Economics Award
Open Polytechnic NZNew Zealand
NZ Certificate in Financial Services Level 5 version 2
11.2022
University Overview
Building a solid understanding of the financial Services Industry, the Regulatory Framework, and Residential Property Lending ensures that I can successfully apply this knowledge within my role in the financial services industry.
Skills
- Managed client data, customer service
- Business Relationship and Credit Risk Management
- Ensured compliance and Regulations: KYC, AML, banking regulations
- Expanded professional networks & nurtured leads
- Leveraged digital banking technologies
- Managed and assess credit analysis within DLA portfolios
- Implemented Sales and Marketing strategies
- Team Leadership and Management
- Business, Commercial Property and Asset Finance Lending assessment
- Analyzed and interpreted cash flows, profit and loss statements, directors current account, financial ratios, and balance sheets
Accomplishments
Accomplishments
- Increased customer satisfaction scores by 15 percentage points, leading to a 30% increase in customer retention and a $800,000 increase in annual revenue from repeat and new business.
- Exceeded quarterly lending settlement target by 109% at Futurebound, resulting in $2 million in additional loan volume and a 12% increase in overall company revenue.
- Achieved Emmy Award finalist status as Business Banking Manager at ANZ Bank, recognized for a 38% increase in new client acquisition within the first year of a new marketing campaign.
Platforms
Platforms
- Microsoft Office 365
- Adobe
- Excel
- MS Word
- CRM
- MYOB
- Xero
- Teams
- Zoom
- Employment Hero
- Ontraport
- Bizcat
- SDA
- Powerpoint
Affiliations
Affiliations
- New Zealand Adviser Network
- Kiwi Adviser Network
- Financial Services Provider Register
Certification
- New Zealand Driver's License
- New Zealand Certificate In Financial Services (Level 5) version 2 ( New Zealand Open Polytechnic) Nov 2022
Languages
Dutch
Elementary
Timeline
Senior Mortgage Adviser
Futurebound
01.2021 - Current
Planned Career Break
None At This Time
05.2020 - 12.2020
Business Banking Manager
ANZ Bank
05.2007 - 04.2020
Business Development Manager
ABSA Bank
06.2004 - 10.2006
University of South Africa
Hons of Commerce (B. Comm) from International Business Studies, Strategic and Operational Management
University of South Africa
Bachelor of Administration (B. Admin) from Finance Management, Accounting, Economics, Commercial and Labour Law, Operational Management, Political Science, and Marketing
Open Polytechnic NZ
NZ Certificate in Financial Services Level 5 version 2
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