Experienced and results-driven banking professional with over 26 years in the financial services sector, having progressed from Secretarial Assistant, Banking Teller to Executive Officer. Possesses extensive expertise in loan processing, credit administration, and debt recovery, with a strong background in managing personal, home, and vehicle loan applications. Proficient in borrowing capacity evaluations, serviceability assessments, mortgage insurance requirements, and managing the complete home loan pre-approval process. Highly experienced in loan recovery operations, including the rescheduling and restructuring of loans, monitoring overdue accounts, negotiating directly with customers, and handling legal procedures related to non-performing loans. This includes preparing case documentation and representing the bank during court proceedings. In addition to lending and recovery, has worked as a Clearing Officer and General Administrator, handling daily transaction processing, document control, and coordination between departments. Also skilled in financial operations, including accounts payable and receivable, bank reconciliations, and payroll administration, ensuring accuracy and compliance with financial regulations. Recently completed a Master of Management in New Zealand and is now focused on contributing extensive banking knowledge, lending experience, and financial administration expertise to the New Zealand banking and finance industry.