Our people – Victorian Mortgage Group

Our people


The team of professionals at VMG share a wealth of experience across all areas of the financial industry. For years, we have been helping Australian borrowers reach a whole range of financial goals. Our understanding of individual circumstances and our expertise in providing flexible lending solutions means we will make sure you get the best product at the right price.

Bernie is the Managing Director of VMG and has worked in financial services for over 20 years. In that time Bernie has assisted many clients achieve their goal of home ownership, a facet of the business that continues to influence the company’s direction. During his time in the industry Bernie has acquired significant experience, specifically in the areas of:

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Brian McIldoon

Brian is the VMG Credit Manager. Brian was a Senior Lending Manager with the Commonwealth Bank prior to joining the VMG and has over 25 years experience in banking and finance. He specialises in credit analysis and portfolio management in both commercial and consumer finance and has managed a lending portfolio of some $280 million. Specific experience includes:

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Brian Neilson

Brian is our Finance Manager and joined us in 2007. He brings us a wealth of experience in the management of a variety of businesses. He has spent the last 25 years developing his skills through Public Accounting practice (Client Services and Taxation) and the management of a variety of businesses in both Victoria and NSW.

Brian is professionally qualified, holding a Bachelor of Business, majoring in Accounting.

Allarco Cantone

Allarco is responsible for the preparation, assessment and submission of consumer and business loan applications along with developing strong relationships with internal and external stakeholders.

Allarco was previously employed by Liberty Financial as a Credit Underwriter, where he was responsible for utilising a credit authority as well as managing the end-to-end process of all retail and commercial lending products. Prior to this he was at ANZ for over 18 years. During this time he worked as a Credit Assessment Officer in ANZ Global Cards and Mortgages and more recently as a Credit Manager in ANZ Private Bank for over 7 years where he utilised a credit authority for both retail and commercial lending.

Carolyn Monks

Carolyn has worked at VMG for over 10 years and is often the voice behind your first experience with VMG.  She combines quality customer service with an attention to detail that will smooth your experience and take any concerns out of your mortgage transaction with us.

Kevin has come to VMG with an extensive financial services background crossing a number of disciplines, having worked with the ATO, Westpac Bank and the National Australia Bank.  For over seven years, Kevin has employed those skills at VMG in the Credit Risk area.  Additionally, Kevin is integral to our dedicated Broker Services Unit where he provides a vital link in the credit application process.

Louise Raper

Louise is an integral member of our Customer Services team, also supporting Carolyn in her role.  Having been with VMG since 2009, Louise is in constant contact with clients on a daily basis and assists with all aspects of their requirements.

Raffaele Giuliano

As National Sales Manager, Raffaele has spent over the 35 years in the finance industry.  He has developed significant expertise in many areas of finance, including banking and non-banking financial institutions, but he particularly enjoys the challenge of developing and leading a Sales and Marketing team.  Raff’s focus will be to build best practices for our broker partners and assist in building economic growth.

John Doherty

Business Development Manager (VIC)

0427 757 461


John brings to VMG a wealth of experience from the banking and finance industry having been employed within the banking industry for over 30 years.  John has had many years of experience in all facets of lending, including corporate and commercial finance, trade finance and working capital and more recently working as a residential and commercial broker with a longstanding finance company.

Brian McMahon

Business Development Manager (NSW)

0428 877 186


Brian has extensive experience in Banking & Finance for over 40 years.  This includes various Business Development/Broker Relationship roles. Having worked directly with brokers and aggregators for many years, Brian understands the challenges brokers face in our ever changing industry.  Brian has a hands on approach to his role to ensure the best result for the customer and broker.  Having also worked for NAB and ME Bank in Senior Retail, Sales and Credit roles, Brian is well positioned to understand the Broker platform.

Michael Riddiford

Business Development Manager (QLD and SA)

0428 495 448


Michael has joined the VMG team in the role of Business Development Manager for Queensland and South Australia.  Michael has over 30 years experience in the finance sector and is passionate about building strong business relationships and achieving the best outcomes for his clients.

Brendan Barry-Murphy

Business Development Manager (VIC)

0427 809 295


Brendan brings to VMG a wealth of experience in the finance industry having worked for CBA for over 33 years in addition to mortgage broking for 3 years.

Brendan has vast experience in Business Banking, structuring and credit roles and most recently as a Mortgage Broker handling consumer and commercial loan applications.

He loves nothing better than assisting clients and brokers in meeting their business goals.

Andrew is responsible in supporting Allarco with workshopping loan scenarios with the Business Development Managers and Brokers, as well as assessment of consumer and business loans.  Andrew previously worked at the ANZ Bank for 28 years with many years spent in the lending area.  He spent the last 3 years working with Mendelsons Lawyers in the purchase debits division, following up payment arrears on commercial accounts for utilities and teleco companys.  Allarco and Andrew have previously worked together and have joined forces at VMG to provide you with a strong and knowledgeable team to assist with your loan enquiries.

Sarah Griffiths

Business Development Manager (NSW)

0419 229 018


Sarah has worked in Banking & Finance for over 12 years having previously worked for Australian Mortgage Securities as an Accountant in the early 2000’s. Sarah joined Bendigo Bank in 2008 and was promoted to the position of Relationship Manager in 2016.

Sarah joined Bank of Queensland in a lending capacity in 2016 before joining St George Bank as Lending Manager covering several busy branches.
Sarah is customer driven and holds a Bachelor of Business (Accounting) and Advanced Diploma of Accounting.

Outside of work Sarah has two teenage boys and loves yoga & keeping fit

Pamela Elsworthy

Business Development Manager (NSW)

0419 509 653


Pam has an extensive Banking career spanning some 32 years. Pam started her journey with Chase Manhattan Bank in the late 1980’s covering various roles from Import/Export area to International Payments . In the early 1990’s Pam joined the ANZ Bank and was appointed Branch Manager of several branches in the Sydney area.

Pam has a passion for helping people and has worked closely with Brokers over the years & brings a wealth of experience to her new role. Outside of work Pam is married with a grown up family, is a fantastic “chef” and a lover of sports.

Support Staff

VMG’s dedicated team of support staff provide assistance in the areas of mortgage finance, administration, client communication, marketing, insurance and office management.

Our staff are available to assist our clients in dealing with any queries they may have with regard to the administration of their loan portfolio