Leonard Brown

Professional Profile

As a successful and people oriented service professional, I have always maintained high standards for myself and for the operations and organizations I have been associated with. Throughout my career I have been able to connect with people and to provide exceptional service and meet and exceed performance targets.

My tenure with large and small private companies has given me a diverse experience with staff and their client base. Prior to these roles I have also had extensive and successful periods working within the Banking, Retail and commercial industries. My roles have been centered on Credit Management and Risk and evaluating customer circumstances post settlement of loans.

Accomplishments Presentations to internal staff on the subject of the role of a credit analyst.

Managed a ledger of accounts to the value of $35 million with past due balances up to $2 million with 55 active dealer accounts.

Met KPI of having a portfolio less than 1% past due of the balance.

Managed a ledger of accounts as per the credit policy, Nil accounts with nothing past due >365 days and less than 1% >120 days

Participated in a project to deliver an online wholesale remittance advice that dealers could use when paying out or settling an account.

Recognized for my complaint management abilities and dealing with conflict and difficult customers.

Attained a role as a Sales and Marketing Manager within a Retail Marine Dealership

Attained a role as a Dealer Service Representative with retail finance company

Career OutlookI have a wealth of experience in managing account portfolios with a diverse group of people across different industries. As a result of taking on these types of roles I have developed a love of dealing with people directly and being involved in positive outcomes. For me success comes from doing the right thing by clients and colleagues and adding value to their experiences. This outlook has led me to seek an opportunity to work as a professional finance and mortgage broker with the goal to own and operate a business where I can apply

these principles that gives me the opportunity to be involved directly and in the frontline where my skills are suited.

Key Skills

Extensive experience in the finance and banking industry Exceptional client focus Relationship management Risk Management and apply risk assessment Excellent communication skills Strong organisation and attention to detail High quality writing skills Reporting and analytical skills Presentation skills Account Reconciliation Decisive and Responsible Negotiation

Work History

CNH Industrial Capital Apr 2011 – November 2014

Credit Adviser – Internal Sales

Responsible for contacting existing customers and provide opportunities to them for end of term balloon or residual balances

Submit loan applications for approval to the underwriters Work with the underwriters to structure loans that are suitable and meet the client’s

needs Prepare loan documentation and ensure the documents meet compliance for settlement

Prepare daily and weekly sales reports for distribution to the relevant stakeholders

Wholesale Credit Controller

Manage a portfolio of accounts within a team environment in a high volume call and email environment

Liaise with stakeholders, organize partnerships and represent the unit at forums and committees

Responsible for quality assurance and meeting performance KPIs Ensure policies and procedures are updated in accordance with legislation

Make recommendations to underwriters regarding account performance and credit limits Review of Stock Inspections and audits and summarize and resolve any exceptions

resulting from stock not being available for sight. Provide clear and concise customer notes regarding dealer account issues.

Unistrut Australia – Atkore International Nov 2004 - April 2011

Credit Controller

Manage and maintain a portfolio of accounts with a ledger >$6 million with over 500 active accounts.

Account reconciliation of key accounts Review customer credit claims / adjustments Prepare accounts for third party agents when required. Submit and prepare new account applications for approval Allocate customer payments Prepare month end and Aged Trial balances including DSO report.

Other roles prior to 2004 include May 1988 – Nov 2004

GE Commercial Finance collections officerAdvantage Marine – Sales ManagerCIT / Newcourt Financial Internal sales officer retail financeRAMS Home Loans – Collections OfficerAussie Home Loans – Collections OfficerAdvance Bank - Loans Service Officer,

Education

FNS50311 Diploma of Finance and Mortgage Management 2014FNS40811 Cert IV Finance and Mortgage Broking 2014Cert IV Business (Credit Control) 1999School Leaving Certificate year 10 1985

Training

MFAA Initial Compliance CertificateLending officers Workshop – Advance BankPsychology of Credit Management workshopConsumer Credit CodeCommunicationNegotiationSales and Marketing

References

References are available on request.

Contact Details

Leonard Brown20 Sunland CrescentMount Riverview NSW 2774Home Phone – 02 47399845Mobile – 0447 291 981Email – lmbmortgagesolutions@gmail.com