Michele Johnson

Michele johnson

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location of Michele JohnsonGreater Adelaide Area
Followers of Michele Johnson817 followers
  • Timeline

  • About me

    Enjoying retirement 😀

  • Education

    • Locher

      2012 - 2012
      Cert iv frontline management business administration and management, general

      Cert IV Frontline Management

    • Invisage

      2005 - 2005
      Certificate iv workplace assessment & training workforce development and training

      Cert IV Workplace Assessment & Training

    • Woodville high school, south australia

      1976 - 1980
      Year 12 year 12
  • Experience

    • Bam contracting

      Jan 1985 - Jan 1986
      Receptionist, personal assistant

      Duties included manual general ledger maintenance, asset management.

    • Bendigo bank broker

      Jan 1990 - Jan 1996

      Transferred from Key time to Full Time employment.Duties included lending, driving sales budgets, maintain staff rosters, cash handling, ATM servicing, security systems monitoring and operation and general customer service.RFS user. Duties included lending, Acting Manager (Findon), Acting Supervisor, achieving sales budgets, maintain staff rosters, cash handling, security systems monitoring and general customer service.Honeywell/Unisys/RFS user

      • Financial Service Consultant

        Jan 1994 - Jan 1996
      • Financial Service Consultant - Adelaide Central Region

        Jan 1990 - Jan 1994
    • Bendigo and adelaide bank

      Jan 1990 - now
      Credit policy manager

      Manage, maintain and enhance the currency and relevance of the Group's judgemental credit policies.Responsible for TPL & Retail policychanges and amendments.Write, submit and present submissions for policy changes / amendments caused by changes in regulations.Write and implement new / amended credit policies.Create and maintain procedures and associated process associated with specific credit policy changes.Investigate potential impacts on all sustems, processes and partners and source resolutions.Complete any consumer credit policy updates, once all approval received.Communicate all consumer policy changes to all affected business units.Provide pro-active management of relationships with key customers / business units.Responsible for liaison with Serviceability Calculator owners.Actively build formal and informal networks across all relevant Business Units and support areas.Field all policy queries and clarifications.Provide support, assessment & analysis relating to credit portfolio information for credit management purposes. Show less

    • Bendigo bank broker

      Jan 1997 - Apr 2015

      Solely responsible for the delivery of training on Bank systems, Policy & Procedures to wholesale partners (Mortgage Managers & Mortgage Originators [via the HomeLend product]), including liaison with external training facility providers, booking flights and accommodation, liaison with partners to ensure maximum benefit from training sessions, all while maintaining costs within budgets setSolely responsible for the creation, maintenance and upkeep of training materials, i.e. training guides, help cards Key contact for high level wholesale partner queries regarding Bank policy and proceduresKey contributor to positive relationships between the Bank and its wholesale partnersKey representative for the group in project meetings to ensure that the group’s interests are represented effectively with both systems and external relationships with Partners kept in forefront Key contact for the Bank’s help desk for technical and operational matters relating to OLASGroup SME for Bank systems (OLAS, RFS, ABL Connect, etc)Communication to Third Party Mortgage partners, via Memos and NewslinesUtilized for UAT on relevant system changesCurrent SME for our team and others in the Bank on a wide variety of topics, especially co-dependency on systems and processes Show less Solely responsible for driving arrears levels to minimum (wholesale portfolio).Solely responsible for the control and supervision of work within the Asset Management Team, including Legal Action Officers (2), Interstate Arrears Officers (3)and Administration Officers (2)Solely responsible for the development of management reports/graphs for Asset Management CommitteeSolely responsible for running the monthly Asset Management Committee meetingsSolely responsible for the functional relationships (in an asset management context) and liaison with all distribution channels, internal business units, and external third parties, i.e. Solicitors, Property Presenters, Agents & Auction HousesProactive monitoring of risk situations and minimizing any lossKey Bank representative for matters relating to fraud and fraud detection in an Asset Management contextFacilitated the cross-skilling of all people in Credit Control and initiated training where necessaryTeam Leader of Arrears Management, including consumer and residential from initial arrears through to repossession and sales.Instrumental in changing process from reactive to proactive. Show less (Level 6), changing to Senior Compliance Officer in Sept 2002 (Level – Base Unclassified), DLA4/7Control of work within the 2 member Compliance teamSolely responsible for the development of management reportsSolely responsible for conducting hindsight reviews of mortgage loans approved across all distribution channelsSolely responsible for the compilation of data into management reports, development of procedures for all areas of Compliance, check valuations on Panel ValuersOrganisation of monthly Management meetingsLiaison with all distribution channels and internal business units as required Show less Duties include user interface and business logic design of STP(OLAS), liaison with Business Units regarding implementation of STP(OLAS) to both Retail (Branches, Direct & Mobile) & Wholesale (Originators) divisions of the Bank.Solely responsible for the development of User Test Plans and other training materials destined for both internal and external staff use.Integrating STP (OLAS) with Extranet/Intranet, Workflow & Imaging, RFS and ARMS.All of the above duties in the project have given me an intimate knowledge of the STP (OLAS) product as well as improving the knowledge and competence with the associated systems. Show less

      • Snr Support & Training Co-ordinator

        Jan 2005 - Apr 2015
      • Asset Management Leader

        Jan 2003 - Dec 2004
      • Senior Compliance Officer

        Jan 2001 - Feb 2003
      • Compliance Officer

        Jun 2000 - Feb 2003
      • Project Officer - STP OLAS

        Jan 2000 - Jan 2001
      • Loans Assessment Officer - Loans Processing Centre

        Jan 1998 - Jan 2000
      • Financial Service Consultant - Adelaide Central Region

        Jan 1997 - Jan 1998
  • Licenses & Certifications

  • Volunteer Experience

    • Fundraising Volunteer

      Issued by Sids for Kids SA on Jun 2018
      Sids for Kids SAAssociated with Michele Johnson
    • Volunteer

      Issued by Variety Children's Christmas Party on Nov 2022
      Variety Children's Christmas PartyAssociated with Michele Johnson
    • Volunteer

      Issued by Variety Children's Christmas Party - Volunteer on Nov 2019
      Variety Children's Christmas Party - VolunteerAssociated with Michele Johnson