Gavin Vincent (m) 0414 759 394 (e) gavin.vincent@hotmail.com

Profile

Skilled executive with extensive background in bank operations, commercial and consumer lending, and transactional banking services. Experienced in developing and implementing competitive programs and services. Excellent Communicator and Relationship Builder. Exceptional organisational, analytical, interpersonal and managerial skills. Able to mentor and lead others. Strong strategic thinker and team builder. Able to build major business channels, create and develop new products.

Professional Development

MBA – (AGSM University of New South Wales) – Current Certificate IV in Financial Services Tier 2 – (Swinburne University of Technology) Certificate in Commercial Law – (University of Sydney) Certificate in Marketing – (Northern Sydney Institute of TAFE) Commerce Economics, Law – (University of Tasmania)

Career Details

Relationship Manager – Corporate and Business Banking (St George Bank – Current)

Role: Manage a diverse portfolio of existing client groups. Identify new business opportunities through networking and leveraging existing referral sources. Maintain a high level of asset quality. Promote mutually beneficial relationships through efficient service.

Develop and execute business and sales plans identifying opportunities for revenue growth

Strong emphasis on the client relationship and enhancement of the customer experience.

Provision of fully integrated financial service solutions through the most appropriate channels.

Efficient use of bank industry specialists to maximise profitable cross-sell opportunities.

Build and maintain business relationships and referral networks to maximise revenue growth.

High standard of ethical behaviours compliant with external legislation and internal policies.

Mentoring of reports so they possess the optimal skills and knowledge to excel in their role.

Proactive risk management of watch lists and client ratings within prescribed tolerances.

Cognitive fulfillment of the end to end lending process commensurate with Credit Policy

Management and application of pricing, margin, expense, and profitability principles.

Senior Manager – (Select Financial Services 2008 - 2013)

Role: Oversee a portfolio of Corporate, Institutional and High Net Worth clients, tailoring integrated financial service solutions, facilitating long term life cycle and wealth management strategies.

Provision of fully integrated financial service solutions through the most appropriate channels.

Page 1 of 5

Strong emphasis on the client relationship and enhancement of the customer experience.

Efficient use of industry specialists and referral networks to optimize client outcomes

High standard of ethical behaviours compliant with legislation and industry standards

Develop marketing and business plans identifying opportunities for sustained business growth

Management of the end to end lending process in line with funders risk management policies

Understanding market segments and drivers of advocacy and deeper customer relationships

Building sustained relationships with Industry Specialists and Financial Institutions.

Highlights:

Developed a portfolio of New to Business High Net Worth client’s Introduced New Funding > $70,000,000 – Introduced New Deposit Accounts >

$20,000,000 Averaged embedment of three (3) products per client Mentoring of staff with emphasis on maximizing fulfillment of the customer

experience. Developed an extensive network of industry professionals to strengthen the client

relationship

Senior Business Banking Manager – Business & Private Banking (National Australia Bank 2007 – 2008)

Role: Manage and develop an assigned portfolio of business customer relationships and identify new prospects to maximise profitable sales referral opportunities, ensure a high level of asset quality and maintain mutually beneficial relationships through professional, efficient and high quality service.

Provision of fully integrated financial service solutions through the most appropriate channels.

Strong emphasis on the client relationship and enhancement of the customer experience.

Efficient use of bank industry specialists to maximise profitable cross-sell opportunities.

Build and maintain business relationships and referral networks to optimize revenue growth.

High standard of ethical behaviours compliant with external legislation and internal policies.

Mentor a team of Senior Bankers optimising skills and knowledge to excel in their role.

Proactive risk management of watch lists and client ratings within prescribed tolerances.

Implement marketing and business plans and monitor performance within budget targets

Cognitive fulfillment of the end to end lending process in line with Delegated Credit Authority

Management and application of pricing, margin, expense, and profitability principles.

Highlights:

Stabilised a portfolio in decline emphasising client retention and the customer experience.

Increased Lending portfolio by 26% (Budget – 20%) – Total Lending $133,674,000

Page 2 of 5

Held a Discretionary Credit Authority – Business $4,200,000 : Personal $2,100,000.

Held the #1 position in the Regional Banking Centre for Transaction and Deposit Accounts.

Business Development Manager – Global Financial Solutions (Commonwealth Bank 2006 – 2007)

Role: Develop and manage a business channel for the States of Victoria and Tasmania known as Commercial Connect for the promotion and cross sell of non-lending bank products to the Broker / Intermediary market and oversee the Banking Relationship Management of their individual clients.

Building sustained relationships with Financial Intermediaries to generate referral business

Relationship management of Mortgage Originators and individual clients referred by Brokers

Embedment of non-lending products to clients secured via the Broker origination channel

Engagement of bank product specialists towards maximizing sales across the product range

Promotion of a mentor programme with support staff to maximise sales opportunities

Initiation of Seminars promoting the Bank’s brand and product offering to Intermediaries

Develop marketing and business plans identifying opportunities for sustained revenue growth

Understanding market segments and drivers of advocacy and deeper customer relationships

Contribute to continuous improvement activity monitoring customer service and satisfaction

Plan and execute risk management strategies, monitor & report on department performance

Highlights:

Involved in the development of a “New to Market” business channel, Broker and Agency Sales, promoting the bank’s product offering to the Broker & Financial Intermediary markets.

Contributed to the design and development of the business model by providing input on competitor analysis, industry and global business trends and strategic considerations.

Lead in the development of Sales based training programme(s) for staff and external third parties promoting the bank’s product offering and optimization of revenue opportunities.

Developed an extensive network of Broker based affiliates and third party business partnerships ensuring each business relationship is progressively strengthened.

Developed and promoted a wide range of Seminars, Presentations and Marketing Events to enhance the company’s reputation as a significant industry participant.

Page 3 of 5

Regional Commercial Lending Manager – Borrowers Choice (Wizard Financial Solutions 2001 – 2006)

Role: Develop and manage a broker based business channel through which Wizard is able to out-source solutions for clients whose financial requirements fall outside Wizard’s own policy guidelines.

Develop and manage a National Team of four hundred commercial finance Lending Managers

Oversee a National Branch Network comprising two hundred and fifty five offices. Develop and implement a business plan identifying opportunities for sustained

growth Develop marketing and sales plans and monitor performance within budget

targets Develop a National Network of panel funders ensuring a broad range of product

exposure. Promotion and relationship management of mutual partnerships in the lending

process. Develop a training programme for Business Writers enabling proficiency in the

loan process Mentor and assist Business Writers manage fulfillment of the end to end loan

process. Proactively engage influential stakeholders in the promotion of a national training

programme Create and develop and manage an individual portfolio of High Net Worth Clients

Highlights:

Assisted in developing a national business channel with $2 Billion in loans under management

Developed a training programme for business writers compliant with legislative requirements.

Developed a personal portfolio of High Profile clients with $200m in loans under management

Developed a series of industry specific education seminars for staff and external 3rd parties

Relationship Manager – (Balmain NB Commercial Mortgages Limited 1998 – 2001)

Role: Manage an existing client portfolio and develop a referral network for new business clients.

Provision of fully integrated financial service solutions through the most appropriate channels.

Strong emphasis on the client relationship and enhancement of the customer experience.

Build and maintain business relationships and referral networks to maximise revenue growth.

High standard of ethical behaviours compliant with external legislation and internal policies.

Implement marketing and business plans and monitor performance within budget targets

Management of the end to end lending process in line with funders credit policies Understanding market segments and drivers of advocacy and deeper customer

relationships Contribute to continuous improvement activity monitoring customer service and

satisfaction Building sustained relationships with Bank and Non-Bank Financial Institutions Possess a sound knowledge of funders products, and application of risk and

pricing principles.

Page 4 of 5

Highlights:

Developed a personal portfolio of High Profile clients with $150m in loans under management

Relationship Manager – Mortgage Services (Citibank Limited 1993 – 1998)

Role: Manage and develop an assigned portfolio of business customer relationships, identify new prospects, maximise profitable sales referral opportunities, and ensure a high level of quality service.

Provision of fully integrated financial service solutions through the most appropriate channels.

Strong emphasis on the client relationship and enhancement of the customer experience.

Efficient use of bank industry specialists to maximise profitable cross-sell opportunities.

Build and maintain business relationships and referral networks to maximise revenue growth.

High standard of ethical behaviours compliant with external legislation and internal policies.

Management of the end to end lending process in line with Delegated Credit Authority

Management of product, pricing and application of risk management principles Contribute to continuous improvement activity monitoring customer service and

satisfactionHighlights:

Managed a portfolio of High Net Worth clients with $200m in loans under management

Lead a Mentor programme for the development and product training of junior staff.

Page 5 of 5