Richard Johnson has over 25 years of experience in finance, banking, and accounting. He has held senior roles at major banks like CBA, NAB, GE, and JP Morgan. He has a strong track record of growing businesses, developing new clients, and maximizing revenues. Currently, he runs his own finance business, CMA Finance Solutions, providing services like mortgages, accounting, and business advice. He has expertise in areas such as business banking, lending, financial markets, and strategic planning.

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Richard Johnson
PO Box 719 COFFS HARBOUR▪ NSW 2450 ▪ (M) 0414 675 415 ▪ rjohnson@cmafinancesolutions.com
Mortgage Broking ▪ Business Banking ▪ Accounting ▪ Administration
Analytical and performance-driven professional with a history of successful sales, proven ability to originate
business, maintain, develop and grow customer base to maximize volume and profit. Efficient manager and
co-operative team player with 25 years of relevant experience and strong problem-solving skills to increase
company revenues and deliver optimal client outcomes. Areas of expertise include:
Key Achievements
2011/2012 Conducted investigation into the collapse of a corporate grain trading business and prepared
and presented report to Creditors on findings.
2009/2010 Met business liability growth (10.0%) and business asset growth (17.5% vs target 12.5%) whilst
at CBA.
Originated and developed a new relationship for GE on the NSW North Coast resulting in a $15M capital
markets opportunity in renewable energy.
2004 - 2007 Above target lending (15%) and deposit (10%) growth for three years in a row at NAB.
2006 - NAB General Manager Award for contribution to Business and Private Banking.
2002 - Gross revenue growth of 30% in 18 months, whilst removing loss making accounts equivalent to
25% of funds under management at JP Morgan.
2002 CPA Merit Award for Business Information Management.
1998 Increased sales turnover by 20% by adding value to UBS’s established futures broking operation.
Experience
Owner/Director JUL 2013 – Present
CMA FINANCE SOLUTIONS PTY LTD – MORTGAGE & FINANCE MORTGAGE BROKERS, ACCOUNTING, BUSINESS
SERVICES
Self-employed, sole proprietor, providing corporate, commercial, business, residential mortgage and
personal finance solutions.
Access to plant & equipment, vehicle, inventory, debtor, reverse mortgage and personal finance.
Accounting and bookkeeping services and business advisory.
Debt advisory solutions.
Sub-contractor loan writer to Yellow Brick Road Coffs Harbour
Senior MAR 2011 – JUN 2013
CLOUT & ASSOCIATES CHARTERED ACCOUNTANTS
Working as a senior in an insolvency practice operating between two locations on NSW North Coast.
Forensic accounting; Business valuation; Internal Control Reviews; Risk minimization; Creditor Reporting.
Debt advisory and Finance broking.
Corporate Relationship Executive, Regional & Agribusiness Banking JUN 2009 – SEP 2010
COMMONWEALTH BANK (CBA)
Business development; sourced $10M in new business from NAB.
Senior banker role; developed, coached and led a new Armidale Business Banking Team of five.
Ensure asset quality, monitor accounts and maintained troublesome clients.
Marketing, implemented visitation plan for customers and created new leads in the New England Area.
Financial markets sales and trading
Auditing and cost financial accounting
Profit and loss management
Business banking and relationship management
Residential mortgage lending
Strategic business planning

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Associate Director, Regional Sales FEB 2008 – DEC 2008
GE COMMERCIAL FINANCE (GECF)
Business advancement; developed new customer relationships, cold called, focused on origination of
commercial transactions.
Implemented a calling plan whereby major towns within the region were visited and an appropriate
customer contact strategy was created to develop new and maintain existing key customer relationships.
Cultivated and formed relationships with key companies in the region.
Monitored market intelligence, competitor activity and new products & services in the region to
formulate strategic business plans and identify potential for cross-selling.
Undertook Regional Manager role for the North Coast of NSW within the GECF National network.
Business Banking Manager – Coffs Harbour Business Banking Centre OCT 2004 – JAN 2008
Relationship Manager – Sydney South Business Banking Centre JUL 2002 – OCT 2004
NATIONAL AUSTRALIA BANK
Day to day management of a portfolio of 150 business relationships with banking facilities up to $10M per
relationship, total portfolio lending facilities of $75M.
Business development, identification of new prospects, leads and referrals opportunities.
Pro-actively manage and maintain mutually beneficial relationships with customers and internal service
providers.
Ensure asset quality is maintained and early identification of potential problem facilities.
2007 - No.1 on the North Coast in interest and fee revenue growth with 14.5% (Target 9.8%, North Coast
average 4.9%)
Above target lending (15%) & deposit (10%) growth FYEs 2005, 2006 & 2007.
Treasury Interest Rate Risk Management Incentive Program winner Q2 2007; Treasury Management Award
of Excellence 2004/2005; Treasury Management Overall Revenue Champion RM3s 2004.
2007 Certificate of Achievement from Client Business Protection NSW.
2006 General Manager Award for contribution to Business and Private Banking.
2006 National Cash Flow Solutions Reward and Recognition Certificate.
Commendable score for Risk Management for FYE 2006 & high end valued contributor.
Product Manager - Private Investment Management JUN 2000 – JUN 2002
JP MORGAN / ORD MINETT
Manage portfolio services providing administration & reporting of retail & wholesale investment
portfolios for clients of Financial Planning and client advisers.
Build and maintain reporting processes in compliance with relevant ASIC regulations, ASX business rules,
Corporation and Taxation Law.
Ensure accounting procedures, sound compliance methodologies and efficient quality control in place to
deliver a high level of reporting and service to clients.
Direct report to the Managing Director and led team of 10 assistants/analysts.
Oversaw growth in gross revenues by 30% over 18 months, at the same time removed loss-making
customer accounts equivalent to 25% of funds under management.
Managed the recruitment and growth in personnel from 4 to 10 during a challenging transitional period
for Ord Minett following their acquisition by Chase/JP Morgan.
Managed the implementation and integration of the new AXYS portfolio software along with the
acquisition of new department resources.
Intermediate / Senior – Business Services, Sydney CBD DEC 1998 – JUN 2000
LAWLER PARTNERS
Work as part of team of 20 reporting to 4 partners in a satellite office of Newcastle based medium sized
full service chartered accounting practice.
Responsible for 4 direct reports.

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Provide accounting and tax services to individuals and SMEs, company secretarial, ASIC documentation,
compliance.
Audited regulated super funds
Corporate accounting and tax services to ASX listed investment company Wilson Asset Management
Manage share issue, allocation and registry for Tasmanian based gaming company Go Corps initial public
offering.
SYCOM Operator – Futures Markets, Sydney CBD JULY 1996 – NOV 1998
UBS WARBURG
Provide futures advice and execution services to in-house and external clients on overnight markets
Worked both London shift (4pm – 12pm) and New York shift (12am -8am)
Dealt in domestic and off-shore futures in commodities, equities, currencies interest rates
Manage an existing portfolio of clients.
New client acquisition and business development
Liaise with day shift to ensure correct handover of filled and outstanding orders.
Write report on overnight markets.
Futures Dealer - Treasury, Sydney CBD JAN 1995 – JUNE 1996
DEUTSCHE BANK / BAIN & CO
Provide futures advice and execution services to in-house and external clients on overnight markets
Worked both London shift (4pm – 12pm) and New York shift (12am -8am)
Dealt in domestic and off-shore futures in commodities, equities, currencies interest rates
Manage an existing portfolio of clients.
New client acquisition and business development
Liaise with day shift to ensure correct handover of filled and outstanding orders.
Write report on overnight markets.
Futures Dealer - Treasury, Sydney CBD APR 1994 – JAN 1995
BANKERS TRUST AUSTRALIA
Provide futures advice and execution services to in-house and external clients on overnight markets
Worked both London shift (4pm – 12pm) and New York shift (12am -8am)
Dealt in domestic and off-shore futures in commodities, equities, currencies interest rates
Manage an existing portfolio of clients
New client acquisition and business development
Liaise with day shift to ensure correct handover of filled and outstanding orders
Write report on overnight markets
Equity & Options Dealer, Commonwealth Funds Management Services, Sydney CBD FEB 1992 – APR 1994
Systems Analyst, CBA Financial Services, Sydney CBD JAN 1991 – JAN 1992
Graduate Trainee, Corporate & International Northbridge Branch, Sydney DEC 1989 – DEC 1990
COMMONWEALTH BANK (CBA)
Provide advice and execution in Australian equities and equity derivatives to internal fund managers and
analysts
Liaise with brokers to obtain lines of stock at the best prices
Responsible for daily updating of shareholdings, derivative positions, reporting to back office, daily
written and verbal market.
Provide online hardware and software support to employees of CBA Financial Services and financial
planners located externally in the CBA Financial Planning network in branches and business centres
Gain frontline retail banking experience in a retail and corporate branch in the CBA branch network
Letters of credit, trade solutions, foreign currency, treasury
Telling, account opening, lending, customer service

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Intermediate, Business Services, Sydney CBD FEB 1988 – NOV 1989
Graduate Trainee, Business Services, Sydney CBD JAN 1986 – MAY 1987
BDO AUSTRALIA
Full service accounting and advisory network in Australia and globally
Personal, trust, private company accounts and tax return preparation
Compliance reporting
Auditing, specializing in advertising and strata plan body corporates
Acting Group Accountant, Graduate Trainee, Business Services, Sydney CBD JUN 1987 – JAN 1988
TRAVELLERS GROUP
Medium sized corporate travel company operating from three locations in Sydney CBD, Paddington in the
Eastern Suburbs and St Leonards on the North Shore
Management reports
Day to day accounts payable and receivable
IATA weekly returns and reporting
Compliance reporting
Employee payroll
Budgeting
Debtor management
Education / Professional Development
Certified Practicing Accountant - CPA Australia
Master of Business (Applied Finance) - University of Technology, Sydney
Bachelor of Business (Finance) - University of Technology, Sydney
Diploma of Financial Services (Finance/Mortgage Broking Management)
ASIC Credit Representative No. 403747
Mortgage Finance Association Australia member
Credit Ombudsman Services Ltd member
Aggregator – PLAN Australia
Justice of the Peace in NSW
FSRA Tier 2 Training
Certificate IV in Financial Services
Commercial Loans to Business – Advanced OMEGA
Sydney Computerised Overnight Market (“SYCOM”) Operator – Sydney Futures Exchange
Registered Representative – Sydney Futures Exchange