Fiona Gallagher
Senior Bank Manager | Retail Banking Leadership, Credit Risk & Commercial Growth
Horizon Coast Bank
Dear Hiring Committee,
I am writing to express my interest in the Bank Manager position at Horizon Coast Bank. Having directed branch operations and commercial lending within the Western Australian financial sector, I welcome the opportunity to bring my background in retail leadership, lending growth, and APRA regulatory compliance to your Perth network.
In my current role as Senior Branch Manager at Swan Coastal Bank, I direct full operations, credit risk, and customer service delivery for a flagship metropolitan branch managing over $420M in lending assets and deposit holdings. Through proactive engagement with commercial networks, I grew local SME lending portfolio balances by 18% over a three-year period. Concurrently, I ensured strict adherence to APRA and AML/CTF guidelines, maintaining a 98% audit compliance rating across consecutive annual internal reviews across a 24-member multidisciplinary team.
Previously at Westralia Mutual Credit, I oversaw daily operations across two suburban branch locations with combined deposits exceeding $260M and managed residential mortgage underwriting workflows up to $1.5M in delegated lending authority. I also focused closely on service delivery and staff development, reducing customer wait times by 22% through queue-management practices and digital onboarding kiosks, while mentoring five assistant branch managers who subsequently progressed into standalone branch leadership roles.
Horizon Coast Bank's commitment to community-focused banking and sound governance closely mirrors my operational approach. I would appreciate the opportunity to discuss how my branch management experience and credit governance can support the continued performance of your Perth branch. Thank you for your time and consideration.
Yours sincerely,
Fiona Gallagher