OUR TEAM
For years our team of professionals has been helping Australian borrowers achieve a diverse range of financial goals. Our ability to understand an individual’s circumstances and our expertise in finding flexible lending solutions for those who have been turned away by the major lenders, means that we will make sure you get the best product at the right price.
Leadership Team
Bernie McIntosh
Principal
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Bernie.McIntosh@vicgroup.com.au
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Bernie is the Managing Director of VMG and has worked in financial services for over 30 years assisting countless clients in achieving their goal of home ownership. Bernie has significant experience in the areas of client management, systems development and service delivery, business relationship management, origination and sales, and institutional banking and finance.
Bernie has a Bachelor of Commerce and represents VMG as a member of the Australian Institute of Company Directors, the Australian Society of Certified Practising Accountants, and the Mortgage Finance Association of Australia.
Glen McKay
EGM –
Distribution & Mortgage Operations
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Glen joined in March 2020 and heads up our Distribution & Mortgage Operations at VMG – this encompasses the Sales Team (BDMs) and the Broker Support Unit. The whole team is on hand to provide superior customer service to our brokers and customers with a focus on common sense lending and speed to market.
Glen has over 30 years of banking experience having enjoyed a career with NAB and Bank of Melbourne in both Perth and Melbourne. His most recent role was as Executive Manager at Bank of Melbourne where he was responsible for leading a team of business bankers who looked after 50% of Bank of Melbourne’s business banking customer base.
George Sarantakos
EGM –
Treasury & Risk
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George.Sarantakos@vicgroup.com.au
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George has over 20 years of experience in financial services crossing a number of disciplines having worked with Deloitte, Interstar Securities Pty Ltd, Challenger Financial Services Group and more recently, National Australia Bank.
He specialises in structured finance and his qualifications include a Bachelor of Business (Accounting) and George is a member of the Certified Practising Accountants of Australia.
Fiona Brent
EGM –
Finance & Post Settlement Operations
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Meet our BDMs
Brian McMahon
Business Development Manager –
North and Northwest Sydney
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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.
Tammie Hotz
Business Development Manager –
Greater Western Sydney
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Tammie has been in the banking and finance industry since 1989. Tammie brings extensive credit experience from sales, credit and settlement in both Consumer and Business lending. She has strong business acumen and loves working through scenarios. She has worked with Westpac, NAB, Suncorp and Teachers Mutual Bank as a Lender, Team Leader and Settlements Manager in First and Third Party. Tammie has worked with Brokers and direct clients managing customer expectations and delivering memorable results. She holds a Certificate IV in Finance and Mortgage Broking and an Advanced Diploma of Leadership and Management.
Shaun Hosking
Business Development Manager –
Gold Coast and South Brisbane
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Shaun brings over 20 years of experience in Banking and Finance.
He has held key roles at Bank of Melbourne, Westpac, and Suncorp, including BDM, Bank Manager, and Lending positions, where he developed a deep understanding of the broker industry.
Throughout his career, Shaun has consistently delivered exceptional expertise in lending and customer success, helping brokers and their clients achieve outstanding results.
In the fast-paced and ever-changing world of finance, Shaun knows what it takes to build long-lasting, beneficial relationships with brokers.
Kelly Mullen
Business Development Manager –
Sunshine Coast, CBD & North Brisbane
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Kelly has been in the finance and banking industry for 25 years, bringing a wealth of knowledge and experience to her role. She excels in workshopping deals and is dedicated to providing exceptional service and support to her brokers.
Kelly’s passion for the third-party channel and the BDM role is evident, and she was a finalist at The Adviser Better Business Awards 2024 in Queensland for Best Non-Bank BDM.
Her career has seen her work with major institutions such as NAB, Auswide, MyState, and most recently, Plenti. In addition to her extensive industry experience, Kelly has also worked as a mortgage broker, in dealer finance, and in not-for-profit micro-finance.
Karl Mills
Business Development Manager –
West Victoria
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Karl brings over 30 years of experience in the finance industry, having held a variety of roles at Westpac, where he developed extensive expertise in both the consumer and commercial lending sectors. His time at Westpac equipped him with a deep understanding of the financial landscape, which he has seamlessly integrated into his work with us.
Karl was originally a key member of our Analyst team, where his proactive approach and commitment to finding effective solutions made a significant impact. Now, as our BDM, he continues to excel, leveraging his industry knowledge and “can-do” attitude to consistently deliver outstanding results.
Karl is dedicated to supporting our clients, ensuring their needs are met with the highest level of expertise and professionalism.
Zac Phokos
Business Development Manager –
Victoria
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Zac has close to 3 decades of experience in banking and finance, both in retail and third-party banking; having worked in lending, relationship management, and business development.
Most recently Zac held various senior roles with Bank of Queensland, G & C Mutual Bank & Westpac and understands the challenges brokers face in our ever-changing lending landscape, having also worked as a mortgage broker.
His passion for third-party banking is evident through his many years of experience as he finds logical, alternative lending solutions to suit brokers and their client’s needs. He has strong business acumen and excels in finding logical solutions to broker’s lending scenarios.
Daniel Semmens
Business Development Manager –
Victoria
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Daniel.Semmens@vicgroup.com.au
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Daniel brings extensive experience in customer service, with a strong focus on helping clients achieve their financial goals. Before joining VMG, he served as a Customer Relationship Manager at Bendigo Bank in the South West of Victoria, where he gained a deep understanding of the finance industry.
With a background in lending, Daniel places great emphasis on building strong relationships to deliver the best possible outcomes for his clients. His academic qualifications include a Bachelor of Business and a Bachelor of Sports Management.
Before transitioning to the finance industry, Daniel enjoyed a successful career in health and fitness, where he managed several health club facilities in Melbourne’s western suburbs.Daniel will be a valuable addition to VMG, bringing with him an excellent history of client service.