Summary
Overview
Work History
Education
Skills
References:
National Home Lending Specialist in 2019
Timeline
Generic

Michelle Payne

Gawler South

Summary

Organised and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Experienced Home Lending Specialist with over 10 years of experience in the Home Lending field and 14 in the Banking world.

Experienced in Coaching, mentoring and leading Employees.

Diamond Lender in 2018 & 2019 & 2020

Winning NATIONAL HOME LENDING SPECIALIST IN 2019

Overview

29
29
years of professional experience

Work History

Mobile Home Finance Manager

Westpac Bank
05.2022 - Current
  • Presented various home financing options to customers, tailoring solutions based on individual needs and financial goals.
  • Coordinated with real estate agents, attorneys, and Conveyancers to streamline closing procedures and enhance overall customer experience.
  • Collaborated with Credit and Back office Teams to ensure timely and accurate loan decision-making while managing risk exposure.
  • Partnering with External Parties as Referral Partners to assist their customers with Home Lending needs adding value to their business strategies with this added service.

Senior Home Lending Specialist

CBA
12.2015 - 05.2022
  • Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
  • Resolved problems, improved operations and provided exceptional service all within keeping within current policies and processes.
  • Offered friendly and efficient service to customers, handled challenging situations with ease.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Deliver results and meet expectations of both customers, third parties and business partners within specific timeframes.
  • Actively listened to customers' requests, confirming full understanding before addressing concerns.
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Providing ongoing Coaching and training development within my own team to Improve their knowledge of Home Lending and as a result service our customers needs from their first point of contact with the Bank.
  • Keeping in line with the Groups Values and Purpose and make this part of everything we do and how we do it.

CSS & CSR

CBA
10.2011 - 12.2015
  • Exceptional Cash handling skills
  • Customer service focus
  • Ability to work as part of a high paced goal orientated team as well as Autonomously.
  • Time Management skills to meet time lines for both customer and Group expectation
  • Increased customer satisfaction by resolving issues quickly and efficiently with in group policy and expectations.
  • Sound knowledge of the Groups Values and Commitments and making these the fore front of what we do and why we do it.


Small Business Owner TAB

TAB
01.2010 - 10.2011
  • Customer focus to provide exceptional Products and Service
  • Exceptional Cash handling skills.
  • Employing and Managing my own staff.
  • Payroll and Banking
  • Devised and deployed sales and marketing tactics to drive strategic growth and support achievement of revenue goals and increase my own Personal Brand.
  • Oversaw end-to-end business processes to maintain proficiency and profitability.
  • Trained and motivated employees to perform daily business functions.
  • Provided outstanding coaching to employees to boost productivity.
  • Input income and expense details into database to track business finances and address variances.

Cage Shift Manager

SKYCITY Casino
08.1995 - 04.2010
  • Managing and running the Main Cage of the Casino.
  • Managing and Coaching 20-40 staff at any one time over five separate locations.
  • Maintaining Exceptional relationships with International and Domestic Customers to meet their expectations all while keeping with in the Casinos policies.
  • Keeping up to date with trainings and education on Problem gambling and skills to be able to address this with customers
  • Maintaining regulatory requirements with AUSTRAC and inputting reports straight into their website.
  • Banking and balancing of ALL cash to come through the Casino from the gaming tables, to gaming machines to the bars and restaurants. Doing this in line with the Government Inspectors and managing Team members to complete tasks within guidelines at all time.
  • Disciplinary action and coaching of staff
  • Ongoing personal Development
  • Addressed customer behavior or complaints head-on to maintain smooth and professional operations.
  • Interpreted and enforced rules for gameplay and betting limits.

Education

Financial Services

Tafe NSW
NSW
12.2018

Certificate IV in Banking Services

CBA
Australian Qualifications Framework
11.2016

Skills

  • Ability to work in a High paced environment both within a Team and autonomously
  • Demonstrated Experience in Home Lending
  • Advanced Knowledge fo CBA Home loan processes and systems
  • Exceptional Planning and Time Management Skills
  • Proven experience in living the banks Values and Purpose
  • Proven experience in Coaching, training and developing employees to be the best they can be all while maintaining correct Policies and Processes of the given business
  • Strong Emotional Intelligence Practices

References:

Andrew WEHRMAN

Branch Manager Ingle Farm SA

(Munno Para)

wehrmaan@cba.com.au

PH: 0478 402 023


Jarrad COOPER

Consultant (Former Lending Area Manager)

jarrad.cooper@alt-five.com

PH: 0403 717 103

National Home Lending Specialist in 2019

For the forth year in a row i was lucky enough to be invited to the Diamond Lending awards.

This year i was nominated out of my National Peers for the Award of National Home Lending Specialist

I was successful in winning this award and Become the National Home Lending Specialist of 2019 along with Pinnacle Diamond Lender.

I was also in the running of only 5 Lenders nationally over all areas for National home lender of the year.


This was a wonderful achievement that i cherish dearly and was a result of extreme hard work, coaching a great Branch team behind me and having the support of my Coaches and Managers to help me get there.


Applying for this role is an opportunity i can now give to others to excel at their roles by offering the much needed support, skills and motivation.

Timeline

Mobile Home Finance Manager

Westpac Bank
05.2022 - Current

Senior Home Lending Specialist

CBA
12.2015 - 05.2022

CSS & CSR

CBA
10.2011 - 12.2015

Small Business Owner TAB

TAB
01.2010 - 10.2011

Cage Shift Manager

SKYCITY Casino
08.1995 - 04.2010

Financial Services

Tafe NSW

Certificate IV in Banking Services

CBA

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Michelle Payne