Margaret Toetu
Manukau City,New Zealand
Summary
An accomplished and results-driven professional offering extensive management, lending, administration and customer services experience across a variety of sectors, specialising in finance. Key strengths are in organisation, communication, teamwork, leadership and support. Demonstrates sound business acuity with a proven work ethic and an ability to manage challenges. Brings a high level of commitment and self-motivation, has gained multiple transferrable skills across the spectrum of administrative and managerial functions. Aligns with organisational business plans and values, promotes outstanding customer service and satisfaction as a priority.
Overview
37
37
years of professional experience
Work History
Lending Officer
Pacific Finance Ltd
03.2020 - Current
- Primarily involved in sales of loan products and meeting loan production targets
- Provide advice to clients on available products, finalise loan contracts and brief customers on policies, terms, conditions and applicable fees and charges
- Maintain and update customer records, ensure security and privacy of information
- Process loan applications and closely review the affordability and creditworthiness of customers – deliver the highest quality of customer service, monitor the progress of existing loans and resolve any issues
Assistant Manager/Collections
Maaz Finance Ltd
04.2019 - 06.2019
- Processed inbound and outbound calls, completed standard debt collection tasks
- Examined accounts, assessed the best course of action for the client and the business
- Complied with legal requirements and client instructions on all accounts
- Demonstrated competent data entry skills
MSO – Member Service / Lending Officer
ACU Credit Union
02.2006 - 03.2019
- Ensure individual customer financial requirements are satisfied
- Develop strategies for business growth and seek new sales opportunities
- Promote business products and services to customers and train staff in upselling and cross-selling, and business development – place an emphasis on Kiwisaver products
- Grow and maintain bank sales strategies, and place a focus on building strong customer relationships, to promote high level of retention and to gain new business
Branch Manager
ACU Credit Union
01.2006 - 12.2008
- Ensure that daily, weekly, monthly and long-term goals and metrics were achieved
- Supervise staff and all aspects of running an effective and successful branch
- Provide operational oversight, including staff management, product sales, customer services, liaising with external agencies and resolving any issues
Debt Collector
Samoa Money Transfer Ltd
01.2003 - 02.2005
- Cold call clients to collect outstanding debts, ensured collection targets were met
- Maintain business security and confidentiality of customer information
Managing Director
Pacific Island Food Shop
01.2002 - 11.2002
- Oversight of all daily activities, ensure customers receive the highest levels of service
- Staff oversight and management, provide training in sales and customer service
- Financial management, resolve any issues that arise, ensure compliance with company policies
Duty Manager
Big Fresh (Countdown)
01.2001 - 12.2001
Customer Services Officer
Housing New Zealand Corporation
07.2001 - 11.2001
- Carry out general administrative and clerical duties, such as answering phones, photocopying, document preparation, data entry and filing
- Expertise in time management and organisation skills
- Gained confidence in speaking with customers and clients – initially started in a role at the Customer coordinator, and moved into the role of Tenancy Manager
- Learned how to deal with clients when they were experiencing problems with their houses and other issues
Customer Service Representative
AA New Zealand Automobile Association
01.2000 - 12.2000
General Office Assistant
ADIO Trust
01.1999 - 12.1999
Customer Services Officer
Bank of New Zealand
01.1998 - 12.1998
Customer Services Officer
Bank of Western Samoa (ANZ Bank)
01.1996 - 12.1997
Office Clerk
Ah Liki Investment Group
01.1995 - 12.1996
Office Administrator & Receptionist
Public Transport Corp/ Vetro Moda Pty, Australia
01.1990 - 12.1990
Receptionist & Cashier
Aggie Grey’s Hotel, Samoa
01.1989 - 12.1989
Skills
- Commercial Acuity: In-depth understanding of business practices and the part administration and support play in business success
- Administration: Easily picks up new processes and systems – structured and organised in work methods – sets high personal standards – completes work within required time requirements – able to manage competing demands under pressure and is a strong multi-tasker – good time management
- Communication & Leadership: An experienced leader, able to manage staff and systems effectively – very good written, verbal and interpersonal communicator – bilingual and able to relate to people from a variety of cultural backgrounds
- Technology: Proficient in the MS Office Suite and a range of specialist in-house computer systems
- Character: Flexible with a “can do” attitude – approachable and dependable – motivated and resilient – ethical and fair, committed to doing the right thing – compliant, kind and positive – high level of personal presentation
Profile Snapshot
- Pacific Finance Ltd, Auckland, Lending Officer, 03/2020, current
- Maaz Finance Ltd, Auckland, Assistant Manager/Collections, 04/2019, 06/2019
- ACU Credit Union, Auckland, Member Service/Lending Officer, 02/2006, 03/2019
- Samoa Money Transfer Ltd, Debt Collector, 01/2003, 02/2005
- Pacific Island Food Shop, Managing Director, 01/2002, 11/2002
- Housing New Zealand, Customer Services Officer, 07/2001, 11/2001
- Various Businesses, NZ & Samoa, Duty Manager/Administration, 01/1995, 12/2000
Languages
English
Samoan (fluent)
Training And Development
- Auckland University of Technology, Diploma of Business, 01/2001, 12/2004
- Manukau Institute of Technology, Office Administration, 01/1998, 12/1998
Further Experience
- Big Fresh (Countdown), Duty Manager, 2001
- AA New Zealand Automobile Association, Customer Service Representative, 2000
- ADIO Trust, General Office Assistant, 1999
- Bank of New Zealand, Customer Services Officer, 1998
- Bank of Western Samoa (ANZ Bank), Customer Services Officer, 01/1996, 12/1997
- Ah Liki Investment Group, Office Clerk, 01/1995, 12/1996
- Public Transport Corp/ Vetro Moda Pty, Australia, Office Administrator & Receptionist, 1990
- Aggie Grey’s Hotel, Samoa, Receptionist & Cashier, 1989
Personal Details
Work Eligibility: New Zealand Citizen (Samoan native)
Referees
Professional and character referees available upon request
Timeline
Lending Officer
Pacific Finance Ltd
03.2020 - Current
Assistant Manager/Collections
Maaz Finance Ltd
04.2019 - 06.2019
MSO – Member Service / Lending Officer
ACU Credit Union
02.2006 - 03.2019
Branch Manager
ACU Credit Union
01.2006 - 12.2008
Debt Collector
Samoa Money Transfer Ltd
01.2003 - 02.2005
Managing Director
Pacific Island Food Shop
01.2002 - 11.2002
Customer Services Officer
Housing New Zealand Corporation
07.2001 - 11.2001
Duty Manager
Big Fresh (Countdown)
01.2001 - 12.2001
Customer Service Representative
AA New Zealand Automobile Association
01.2000 - 12.2000
General Office Assistant
ADIO Trust
01.1999 - 12.1999
Customer Services Officer
Bank of New Zealand
01.1998 - 12.1998
Customer Services Officer
Bank of Western Samoa (ANZ Bank)
01.1996 - 12.1997
Office Clerk
Ah Liki Investment Group
01.1995 - 12.1996
Office Administrator & Receptionist
Public Transport Corp/ Vetro Moda Pty, Australia
01.1990 - 12.1990
Receptionist & Cashier
Aggie Grey’s Hotel, Samoa
01.1989 - 12.1989
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