MOHAMMED JAVED NAWAAZ

-Assess market trends and look at Financial Markets holistically to advise on strategies, including hedging possibilities to a portfolio of customers.

-Liaise with financial analysts, coordinate across the broader business and customer portfolio and implement necessary client contracts related to financial markets products.

-Managed complex portfolios with multiple asset classes and assist in dissemination of any local market developments to Sales & Trading.

-Foster strong connectivity with Traders and Sales including Retail & Business networks and assisting broader team with ways to optimize pricing, maximize returns and increasing market share.

-Provided financial markets advice to clients, fostering long-term relationships.

-Focus and drive on FX and interest rates volume, value and market share. Implementation of appropriate products and pricing structures for customers, Client satisfaction and sales strength metrics with compliance with internal and external regulatory policies.

-Deliver strategic papers and presentations to internal and external customers/stakeholders.

-Accountable for submissions, reports and review preparation, identifying the critical risks and evaluating the integrity of the information provided.

-Undertake qualitative analysis of financial information / cash flow modelling, accurate assessment of risk grades and Security Quality Indicators (SQI’s)

-Evaluate loan structures, security documentation and recourse terms to confirm avenues of recourse.

-Maintain accurate system recordings including Periodic Risk Reviews, Credit MIS and any Bank systems utilized by the Business Unit.

-Completion of ongoing monitoring reviews to ensure the maintenance of optimal credit quality as well as early identification of weak / poor credits for more intensive remedial management.

-Responsible for own ongoing development and achievement and maintenance of position accreditation requirements. Networking and Working Relationships

-Supports a partnership between the line and credit with a shared approach to facilitate deals and deliver high quality outcomes / customer solutions. Build and maintain professional business working relationships to achieve mutually agreeable outcomes.

-Manage Fulfilment: Fulfil departmental and customer needs by providing unmatched service and solutions within your approved set of agreed guidelines and objectives.

-Maximize Westpac’s reputation for corporate responsibility by ensuring all dealings are ethical, compliant and within your authority.

-Build great relationships with team members within the immediate team and across other teams in Pacific Banking and Westpac. Share thoughts, ideas and feedback with others and work together to meet all challenges in delivering a great customer experience.

-Preparing appropriate sales proposal documents and submission documents

-Building submissions and providing necessary background information and research

-Conducting cash flow, risk and financial statements analysis, including reviewing and analyzing Balance Sheet and completing serviceability worksheets

-Providing SRMs/RMs and/or customers with appropriate analysis and information to highlight any risks associated with their portfolios and financial requests

-Conducting regular monitoring of customer portfolios and identifying any risks to Westpac. Proactively contacting customers to explain and/or request financials for PRR review

-Ongoing portfolio management, such as Review, Matured Facilities, Delinquencies, to ensure credit quality is maintained

-General customer account maintenance, with the ability to identify further customer opportunities. Account opening, including pre-fill forms for customers. Process service requests, including traces, fees refunds, interest adjustments etc.

-Enabling processes that demonstrate a strategic approach to increasing overall portfolio value based upon acceptable risk return and maximizing opportunities. Professional and technical skills that support quality customer conversations and ease in discussing Westpac solutions to provide compliant advice.

-Deepen relationships with customers and create value for them through proactive contact, exploring their needs and providing professional advice and solutions

-Targeted and disciplined sales pipeline management through identifying and contacting customers who will create value for Westpac and benefit from my advice

-Make proactive customer contact, creating value for customers and driving sales through pre-booked appointments. Be available to have quality conversations with customers to explore and meet their financial needs and goals

-Provide solutions across a broad range of financial needs and opportunities, including transaction accounts, term deposits, credit cards (business & consumer), temporary ODs, personal loans, top ups, merchants, broker sign-ups, BT super for life & mortgage insurance

-Offer solutions that my customers were not expecting and did not know they needed before talking to me

-Earn all of our customers business by utilizing business partners, including Personal Bankers Premium/Business, Home Finance Managers, Local Business Bankers, Relationship Managers (PFS, Commercial or C&A) and Financial Planners

-Participate in key sellers' meetings, make regular contact with business partners to identify and explore opportunities, including conducting joint reviews of customer files

-Actively seek referrals to business partners from customers. Provide qualified, warm handovers to business partners for more complex solutions

-After-sales care to ensure the customer experience is as promised, including follow-up to keep customers informed and taking ownership to solve issues before they become a problem.

-Take ownership and follow-up where the customer has been referred to a business partner. Act with urgency and respond to customers enquiries or requests immediately. Assist in management of closed loop feedback

-Contribute to maintaining Westpac’s reputation for corporate responsibility by ensuring all dealings are ethical and compliant through: The use of established sales procedures when conducting customer interviews, the use of established procedures when handling customer enquiries and requests for service, operating within regulatory requirements of the Personal Banker role to ensure the appropriate level of advice is provided to customers, maintaining an up-to-date role accreditation and adherence to relevant Westpac policies, procedures, products and services, the use of established procedures to effectively handle, escalate and follow-up customer compliments, issues and complaints

-A key customer facing role in our branch network providing exceptional customer service which contributes to our mission of being a great service company within the financial services industry. You will act to ensure customers immediate needs are met and identify opportunities by understanding their broader financial needs and referring more complex banking needs to specialist team members

-Teller Cash Management/Operational Efficiency: · Exercise utmost care and vigilance in handling, custody and control of cash, ensure you are aware of and can follow the correct process for counting and handling notes and coins, maintain daily organization of cash (ensure there is sufficient cash for branch operations; organize cash place in the safe and teller drawers). Understand and adhere to our Cash Transfer process. Minimize Westpac’s exposure to risk and financial loss by maintaining accurate cash balances with minimal cash errors. Balance cash outright and on time at the end of the workday.

-Organize your teller box and workstation, and ensure your supplies are adequate to ensure efficiency of work and high presentation when serving customers. Comply with the legislations of our Regulators

-Identify quality sales opportunities and warm well-qualified referrals for Customer Service Representative, Personal Bankers or Home Finance Managers where applicable.

-Build strong relationships with team members and products partners, sharing ideas and feedback in order to deliver the best experience for customers.

-Apply genuine corporate responsibility by ensuring all dealings are ethical & compliant by: Using established procedures to effectively handle, escalate and follow-up customer compliments, issues and complaints. Timely action and monitoring of customer complaints and Non-Lending Loss (NLL) to determine any systemic issues.

-Be compliant with Westpac’s policies, procedures and guidelines and maintaining an up-to-date knowledge of relevant Westpac policies, procedures, products and services

-Embed “Know Your Customer” (KYC) processes and requirements when on-boarding a customer. Adhere to the Westpac Fiji AML/CTF Policy, KYC and Reserve Bank of Fiji guidelines. This will ensure customers are properly classified, with the correct information collated, the correct Identification provided, and the exact verification is adhered to.

-Fulfil customer needs and enquires by providing superior service and identifying their immediate and long-term needs.

-Provide accurate information on Westpac products and services, highlighting alternative channels or arranging referrals to business Partners.

-Effectively handle, escalate and follow-up customer compliments, issues and complaints, using judgement to resolve customer concerns on the spot.

-Communicate with confidence, care and genuine interest. Take personal responsibility for delighting your customers and building their trust and loyalty.

-Identifying when the customer needs are outside the expertise of the CSR role, and provide a warm referral to the appropriate banker

-Actively seeking out customers to use our Digital channels (Westpac Mobile App/ Internet Banking)

-Build strong relationships with team members and products partners, sharing ideas and feedback in order to deliver the best experience for customers.