Hello! I'm Francois
I manage large and complex customer and prospect relationships to maximize net contribution through an emphasis on obtaining new high income relationships. Maintained quality service for all customers, expanded existing relationships, monitored relationship profitability and drove revenue growth.
Built relationships with clients to truly understand their business model and analyze product and service growth opportunities that ensures profitability to the bank and my portfolio.
Francois Tawadrous
Banker & Finance Professional
Phone:
0429 799 976
Email:
Address:
Brisbane, QLD
Date of Birth:
August 24th, 1992
EXPERIENCE
Mar 2018 - Current
Private Client Manager
National Australia Bank
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Managing High and Ultra High Net Worth Individuals with their banking relations.
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Upholding professional & ethical behavior through my actions by ensuring compliance, external legislation, bank standards & internal operating policies and procedures are consistently met.
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Review financial statements including tax returns for future and current serviceability requirements.
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Detailed analysis of business and personal financial statements and cash flow projections.
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Analyzing credit needs and decision under own delegated credit authority of up to $7.5 Million in business and mortgage lending.
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Identifying opportunities to add value to my clients around investing (shares, bonds and cash investments), margin lending, FX, wealth management and merchant banking.
Achievements
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Multiple business and personal refinances in
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Consistent New to bank client acquisition.
Nov 2015 – Mar 2018
Small Business Banker
National Australia Bank
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Pro-actively identify sales opportunities through quality conversations, building positive rapport along with decision analysis to linking relevant business lending products to customer needs.
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Upholding professional & ethical behavior through my actions by ensuring compliance, external legislation, bank standards & internal operating policies and procedures are consistently met.
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Review financial statements including tax returns for future serviceability requirements.
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Detailed analysis of business financial statements and cash flow projections.
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Completing business applications comprising of business lending of up to $500,000 and home loan applications up to $3,000,000
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Assisting Regional Business Banking Managers to completing lending proposals.
Achievements
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Numerous Banker of the Week awards for my outstanding work in customer experience. I was provided great feedback from clients as a result also.
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Banker of the Month award for exceptional business lending acumen.
MAR 2015 – NOV 2015
Consumer Servicing
National Australia Bank
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Handling objections professionally
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Dealing efficiently with questions and queries from customers
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Assisting customers with their Credit Card and account statements
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Customer Account maintenance (product swap and cross sell)
Achievements
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100% Quality Conversation Score
EDUCATION & SKILLS
2016
Diploma in Financial Planning
2021
Professional Banking Fundamentals
Holmesglen Institute of TAFE
FINSIA
2012
Certificate IV in Financial Planning
Talent 2
SKILLS
EXPERTISE
Private Client Management
Personal Banking
My role as Private Banker compromises of retention and pro activity.
My day to day role includes assessing financial needs for my clients, assessing discharges, increased and new lending.
Compliance of our portfolio is key to healthy banking and it is my responsibility to ensure that limits have no expired, early warning signs have been addressed and monitoring potentially defective client. In my role as a Private Banker, I have a Delegated Credit Authority to responsibility decision my client's financial and security assessment.
Wealth Management
Personal Banking
Whilst a bulk of my focus was towards lending, deposits play a pivotal role in our portfolio.
I identify large deposits, sale proceeds and investment needs on the back of client pro activity. Exploring with clients and their Financial Advisers products of yield which may suit their needs based on their risk profile.
Small Business Banking
Whilst being a Small Business Banker and a Private Banker, I have taken particular interest in small business clients and self employed clients. Small business'in Australia has become a large part of our economy and it is important to identify business opportunities. It is rewarding to assist small and emerging businesses as well as to develop great business lending credit skills and getting to personally deal with and support the business and their owners to move forward. Watching businesses I manage grow larger year on year is my top priority.
CONTACT ME
Financial Services
Verbal & Written Oriented
Customer Experience
Leadership
Small Business Banking
Personal Banking