Tom Groves

• Manage a portfolio of medium enterprise client relationships in order to maintain and enhance customer satisfaction and credit risk profile consistent with BNZ Partners objectives.

• Be a trusted partner for clients by demonstrating an understanding of their business, objectives, challenges and opportunities while utilising commercial acumen to help them grow.

• Understand BNZ specialist offering and refer customers as appropriate.

• Manage and facilitate business and credit submissions that meet customer needs effectively and efficiently and demonstrate prudent risk management.

• Develop and maintain a relevant network of market advocates (key market players, professionals and intermediaries) who focus on medium enterprise businesses to develop advocacy for business referrals.

• Maintain proactive structured regular call cycle and frequent contact with all customers and advocates to provide and maintain excellent

customer service.

• Maintain a sound level of awareness of industry activities, events and developments in the domestic market. Monitor externally generated economic information to be able to keep abreast of the market and add value to communications with the client and advocate network, and to assist in the management of economic exposure.

• Actively contribute and support process improvement changes and organisational strategy implementation.

Managing Risk:

· Ensures changes to risk processes and policies are implemented.

· Identifies causes of loss or risk.

· Takes immediate and appropriate action to minimise day-to-day risk to business

· Work with centralised support teams and local credit partners re applications and approvals.

· Work with specialists to provide customers with appropriate solutions.

· Other Partners: Sharing of information, opportunities and cross referrals across all sectors and specialists.

· Other business units across BNZ: sharing of information, opportunities and cross referrals.

· Clients: Understanding client’s business and delivery of financial solutions to meet business needs.

· Market Advocates: (Solicitors, Accountants, Registered Valuers, Real Estate

Agents): Promote the Bank’s products and services. Influence and generate referrals. Information gathering. General advocacy of the Bank to third parties. Develop relationships with key professionals.

• Manage a portfolio of high value and/or complex commercial client relationships in order to maintain customer satisfaction and credit risk profile consistent with BNZ Partners objectives.

• Develop and promote tailored solutions incorporating Bank products and services to meet client needs.

• Work with a wide range of BNZ specialists to provide clients with tailored solutions to meet objectives.

• Be a trusted partner for clients by demonstrating an understanding of their business, industry and objectives, challenges and opportunities, and presenting alternative strategies to achieve objectives.

• Expand/strengthen relationships at multiple levels between the Bank and client to enhance the Bank’s understanding of their business, seek opportunities to add value and enhance the client experience.

• Understand and make decisions regarding the credit process required to establish and maintain the appropriate facility limits required by clients efficiently, and in line with the Bank’s risk appetite. • Develop a strong network of market advocates (key market players, professionals and intermediaries) who focus on commercial to develop advocacy for business referrals and market knowledge.

• Maintain a high level of awareness of industry activities, events and developments in the domestic market. Monitor externally generated economic information to be able to keep abreast of the market and add value to communications with the client and advocate network, and to assist in the management of economic exposure.

• Maintain a high-level awareness of competitor strategies and develop effective responses to ensure client specific strategies, including pricing, are consistent with the market and maximise the revenue opportunities of the Bank in a competitive environment.

• Worked closely with sales teams to identify potential leads for new business opportunities in the lending sector.
• Conducted thorough research on industry trends and competitor analysis, staying informed of market changes that could impact lending practices.
• Collaborated with underwriters and credit analysts to ensure accurate risk assessment for loan approvals.
• Addressed client concerns promptly and professionally, resolving issues efficiently to maintain high levels of customer satisfaction.
• Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
• Actively participated in ongoing professional development opportunities to stay current on industry best practices.
• Processed loan applications and monitored progress from start to finish.
• Explained very technical financial information to applicants in easy to understand language.
• Contributed positively to overall team success through consistent achievement of individual performance targets.
• Developed strong relationships with customers through high levels of customer service.
• Collaborated with other departments to promptly process loan applications.
• Skilled at working independently and collaboratively in a team environment.
• Applied effective time management techniques to meet tight deadlines.
• Excellent communication skills, both verbal and written.
• Proved successful working within tight deadlines and a fast-paced environment.
• Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
• Self-motivated, with a strong sense of personal responsibility.
• Worked well in a team setting, providing support and guidance.
• Proven ability to learn quickly and adapt to new situations.