Elio Kosmidis

Strategic Sales Leader | Credit Coach | Relationship Builder

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Results-driven professional with deep expertise in credit coaching, strategic leadership, and business development across the home loan and mortgage broker sectors.
Known for building high-performing teams, uplifting capability, and driving sustainable growth through customer-first strategies and cross-functional collaboration.
 

O Proven track record in staff development, performance coaching, and compliance excellence

O Strong understanding of home loan finance and the mortgage broker industry

O Relationship-focused and sales-driven, with a reputation for exceeding expectations

O Skilled communicator with the ability to distil complex data into clear, actionable insights

O Trusted for maintaining integrity while cultivating long-term partnerships

O Adept at bridging departmental gaps through technical and financial fluency

O Certificate IV in Finance and Mortgage Broking

O FSRA Tier 2 (RG146) – Personal Advice in General Insurance

Work Experience

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BRANCH MANAGER – BENDIGO BANK - DEC 2025

O   Sales mindset: Drive customer acquisition, service excellence and retention by building genuine community relationships and positioning the branch as the trusted local banking partner.

O   Team leadership: People leadership with the ability to develop, coach and manage performance by embedding sound risk frameworks, ensuring operational excellence, and championing “doing the right thing” across the branch.

O   Compliance: drive operational efficiency and maintain high standards of compliance.

O   Customer service: First level of resolving complaints and concerns in a timely and satisfactory manner.

O   Growth: Deliver commercial outcomes through strategic planning, KPI management and business development, ensuring clear, positive and measurable impact on branch performance. Hold full accountability for profit and loss, operational efficiency and branch‑level financial management, aligning decisions with long‑term sustainable growth
O    Community Impact: Working closely with the Community Bank board to build and nurture community relationships by actively participating in events and establishing myself as the go to person for banking in the area

 

SALES MANAGER - ANZ - SEP 2022 OCT 2025

O   Sales strategy: 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 bank 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

O   Process improvement: identify and implement improvements in the home loan process to enhance efficiency and customer satisfaction.

 

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