Elio Kosmidis

Summary

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o   Extensive credit coaching, people leadership, staff management and business development experience.

o   Sound understanding of home loan finance and mortgage broker industry.

o   Relationship focused, results oriented, sales driven professional

o   Confident communicator with ability to quickly process and present data to suit the intended purpose.

o   Can build and maintain successful relationships without compromising integrity and standards.

o   Bridging gaps between departments by effectively utilising contacts, technical & financial knowledge

o   Reputation as a resourceful team player, working hard, smart, and reliable to exceed expectations

o   Certificate IV in Finance and Mortgage Broking

o   FSRA Tier 2 (RG146) personal advise in General Insurance

Work Experience

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Specialist Sales Manager - ANZ - Jan 2024 Present

o   Sales Strategy Development: Responsible for overseeing the operations related to the home loan sales team by developing and implementing sales strategies to meet and exceed home loan sales targets for the district.

o   Team Leadership: Lead, coach, and manage a team of home loan sales professionals

o   Performance Monitoring: Monitor and analyse sales performance metrics and adjust strategies as needed.

o   Relationship Management: Build and maintain strong relationships with internal and external stakeholders.

o   Compliance: Ensure compliance with regulatory and ANZ standards.

o   Market Analysis: Conduct market analysis to identify new business opportunities.

o   Training and Development: Provide ongoing training to the home loan sales team on products, credit policy, underwriting guidelines, and loan processes.

o   Customer Service: Resolve complaints and concerns in a timely and satisfactory manner.

o   Reporting: Create reports and presentations on sales metrics, conversion rates, and other key performance indicators to measure success and identify areas for improvement
 

Home loan Capability Manager - ANZ-  Sep 2022 Dec 2023

o   Team Development: Overseeing, coaching and enhancing the capabilities of branch-based home loan sales lending team to ensure efficient and effective loan processing. Train and develop home loan staff to improve their skills and knowledge.

o   Process Improvement: Identify and implement improvements in the home loan process to enhance efficiency and customer satisfaction.

o   Compliance Management: Ensure all home loan processes comply with regulatory requirements and internal policies.

o   Performance Monitoring: Monitor the performance of the home loan team and provide feedback to ensure high standards are maintained.

o   Stakeholder Collaboration: Work closely with internal stakeholders to facilitate smooth loan processing and resolve any issues.

o   Risk Management: Assess and manage risks associated with home loan applications to ensure sound lending practices.

o   Change Initiatives: Develop and implement credit and policy changes that bring favourable and measurable benefits

o   Customer Service: Ensure that the home loan team operates effectively and that customers receive high-quality service throughout their loan application journey.

 

Business Development Manager - ANZ - April 2017 Sep 2022

o   Relationship Building and Networking: Build and maintain relationships with brokers and aggregators as well as internal key decision-makers and cultivate a successful professional network.

o   Sales Planning and Goal Setting: Collaborate with leadership to set growth targets and develop business development strategies.

o   Sales Process Management: Oversee the entire home loan process cycle from initial contact to deal closure, including negotiating as well as after sale support.

o   Client Retention: Manage and retain relationships with existing clients to ensure sustained business growth.

o   Performance Metrics: Develop growth strategies and plans with clear metrics to evaluate success.

o   Stakeholder Negotiation: Negotiate with stakeholders and draft business proposals drive business growth and maintain strong relationships with clients and partners.

 

Credit Manager - ANZ - Oct 2009 April 2017

o   Staff Development: Oversee the growth and performance of credit assessment teams both locally and internationally.

o   Escalation Point: Serve as the main contact for complex customer issues and escalated matters.

o   Risk Management: Propose alternative credit structures to ensure risk tolerance.

o   Performance Feedback: Provide feedback on high-authority credit proposals.

o   Conflict Resolution: Handle disputes while maintaining standards.

o   Relationship Building: Foster strong relationships with key stakeholders.

o   Regulatory Compliance: Implement changes in line with regulatory requirements.

o   Continuous Improvement: Identify and implement practice improvements aligned with leadership vision.

o   Communication: Clearly convey credit and risk objectives to the target audience.

o   Stakeholder Management: Manage senior leadership and stakeholder expectations with regular updates.

o   Value-Add Initiatives: Deliver initiatives that align with core values.

Education (scan the QR code)

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References available upon request

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Lending Expertise, Client Engagement, Compliance, Risk, Strategic Operations, Leadership, Communication, Stakeholder Engagement, Change Management, Loan Origination, Credit Analysis, Mortgage Lending, Refinance Strategies, Consumer Lending,Loan Structuring, Financial Literacy, Coaching, Needs-Based Product Matching,Relationship Management, Conflict Resolution, Audit Preparedness, Regulatory Interpretation Staff Mentorship, Strategic Presentations, Empowering Dialogue, Cross-functional Collaboration, Strategic and client-focused lending professional with a robust foundation in real estate agency operations, fiduciary responsibilities, and compliance frameworks. Adept at translating complex financial concepts into clear, actionable guidance for diverse audiences. Proven ability to empower clients through financial literacy, loan product education, and tailored support across the mortgage lifecycle. Combines analytical precision with emotional intelligence to foster trust, optimize outcomes, and uphold ethical standards. Seeking to leverage strengths in coaching, compliance, and strategic communication in a home loan support or advisory capacity, Build strategic relationships with partners to discover and deliver on their business needs and work collaboratively to resolve issues & challenges, Demonstrated ability to foster a high-performance culture and manage cross-functional teams, Excellent interpersonal and communication skills, with the ability to build strategic relationships and advocate for customer needs, Demonstrated ability to foster a high-performance culture and manage cross-functional teams, Ability to work collaboratively across all levels of management, in a fast paced, challenging product delivery environment, Strong mentoring and leadership skills, with experience in guiding, coaching, and developing team members, Demonstrable excellence in delivering exceptional customer experiences & continuous improvement, Brilliant communication and structured problem-solving skills, Proven experience in customer success or a related field with a focus on support services and team management