SMS FINANCE TEAM
John has over 30 years’ experience in the Banking and Finance industry. John commenced his finance career in 1981 with CBFC/CBA, and during that time he enjoyed several postings including, Manager Broker Finance, Manager CBFC Fleet Lease & Manager CBFC Floor Plan Section.
In 1994 he accepted the position as CBFC’s Sunshine Coast Area Manager, eventually accepting the position of CBA Relationship Executive to manage larger portfolio clients. In 2001 John resigned to take the opportunity to join forces with David Stone (Stone Goddard & Associates) forming Stone McNamara Finance, which was eventually changed to SMS Finance. John has extensive experience gained over many years in all forms of finance and managing one Australia’s largest finance company.
In July 2008 John took over the reins of 100% ownership of SMS Finance allowing David to slow down a bit into a company consultancy role. Then in January 2016 John formed a 50/50 partnership in the business with Colin Mason. In 2019 Joshua Carleton and Brenden Brial joined the company as company directors
Josh joined SMS Finance in 2016 bringing with him a wealth of experience in banking and finance. Josh commenced his finance career in 2012 with ANZ Bank after completing his university studies. Quickly moving up the ranks to become a local Branch Manager on the Sunshine Coast, he then accepted a position of Mortgage Broker in 2015 with Aussie Home Loans where he excelled in all areas of Mortgage Finance. Josh is a dynamic member of SMS Finance, specialising in Mortgage Finance, with an impressive list of achievements and extensive experience.
Brenden has been in the Banking and Finance Industry for over 30 years. After commencing with Bank of Queensland in 1988 and holding several Branch manager roles in Brisbane and the Sunshine Coast, Brenden opened his own Bank of Queensland franchise in Mooloolaba in 2002.
For 17 years Brenden owned and operated a full-service Bank of Queensland franchise at Mooloolaba and Chancellor Park and was a partner in the Maroochydore Branch and operated a Lending Centre for several years. Brenden joined SMS Finance as a partner in April 2019 and brings extensive experience in all forms of lending including Home Loans, Commercial and Business Finance and Equipment Finance.
After graduating from his Bachelor of Business, Jonno pursued a career in Finance working as a Personal Banker for the ANZ Bank for several years, he then joined SMS Finance in 2017. Jonno is extremely motivated and passionate about finding solutions for his clients and enjoys working with a wide array of people. Jonno prides himself on the broad range of options he can offer his clients always keeping up to date with the various products and the many different lending options available from a broad range of lenders.
Caroline commenced with SMS Finance in May 2017 as Joshua Carleton’s executive assistant. She came to us with over 15 years’ experience in the Finance Industry, mainly in Client Relationship Management in Mortgage Broking on the Sunshine Coast. Caroline is a quiet achiever and well equipped to assist Josh in helping clients achieve their Mortgage Finance requirements.
Jade commenced with SMS Finance in February 2012. She came to us with a wealth of experience after 5 years working for BankWest Commercial where she enjoyed a variety of roles including Business Banking Teller and Assistant Relationship Manager. Jade is a very experienced, efficient and valued member of the Mortgage Finance team and is a company all rounder having spend her intial years in our Equipment Finance Team. Jade is bright and friendly with the ability to expertly put complex deals together very efficiency in a no fuss manner always keeping abreast of lender products and process requirements.
Selina commenced with SMS Finance in August 2017 and comes to us with over 28 years’ experience in the Finance Industry. She commenced her career with Westpac on the Sunshine Coast before transferring to Central Queensland. Selina has enjoyed a variety of roles within the banking industry, including Management and Lending, while working with a variety of Lenders and Brokers. Selina is an efficient and highly valued member of Josh Carleton's team.
Camille commenced with us in October 2020 with over thirteen years’ experience in the Banking and Finance Industry. She has experience in mortgage and personal lending in Retail Banking both face to face and in call centre environments. Camille worked more recently as a Relationship Manager in mortgage aggregation looking after portfolios between Gold Coast and Northern NSW. She has recently moved to the Sunshine Coast and is passionate about customer service and helping our clients achieve their finance goals. Camille is an invaluable member of Josh Carleton's team.
Thais joined SMS Finance in February 2021. She is highly educated and joined us with a wealth of experience in mortgage finance. She very quickly settled into her role of Mortgage Loan Processor to assist with the loan process from start to finish, demonstrating the ability to achieve high productivity without compromising accuracy, ensuring clients satisfaction within Joshua Carleton’s Team. Thais possesses a warm friendly disposition and has settled into the company very well as a valuable team member.
Fluent in Portuguese, English and Spanish
Emma commenced with us in June 2020 after over five years’ experience in the finance industry. Emma is an additional point of contact to Brenden Brial’s clients, assisting with the preparation of applications per lenders requirements to ensure a smooth process. Emma holds a Diploma in Mortgage Finance and her Commission for Declarations certification. Emma is a highly motivated enthusiastic team member who cares deeply about helping clients achieve their finance goals. She is a very switched-on fast learner and a real powerhouse in Brenden’s Brial’s team.
Scott commenced with SMS Finance in June 2020, bringing with him over 20 years’ experience in the private sector, retail banking and community groups as Branch Manager, Small Business Relationship Manager and Business Development Manager.
Scott possesses a friendly and unique set of communications skills with strong determination to help clients succeed in their finance endeavours. He is a hardworking and highly valued member of our team.
Kimberley commenced with us in November 2020 and came to us with over 20 years of experience in the finance industry with Westpac and ANZ banking corporation where she gained expertise in client relationship management and mortgage finance broking. Kimberley excels in her niche role as executive assistant to Jonathon Scaroni focussing on assisting with customer satisfaction and helping to make the clients home loan application process experience seamless and successful.
Lee-Ann commenced with us in September 2019 bringing with her over 20 years’ experience in the finance and management industry as finance manager at Fast Access Finance and loan service manager at GJ Finance. Lee-Ann’s experience in mortgage finance allows her to expertly process a mortgage application and follow the whole process through from apply online, pre and post approval, settlements and progress payments. Lee-Ann is a hardworking and highly valued member in Jonathon Scaroni’s mortgage finance team.
June commenced with SMS Finance in July 2016. June is highly eduated and came to us with a wealth of experience in residential mortgage lending. She graduated from University of Sunshine Coast with a Bachelor of Accounting in 2009 and Bachelor of International Business in 2012. From there, June worked in Sydney for a Real Estate and Home Mortgage company for two and a half years gaining valuable knowledge in all areas of mortgage finance. Missing the Sunshine Coast and family, June returned to the coast and we were delighted she ended up approaching SMS Finance for a position in the Mortgage Finance Team. June has a lovely, friendly nature, fitting into our company instantly, and immediately became a highly valued member of the SMS Finance Team. June highly prides herself in helping our clients achieve their finance goals in an efficient and expert manner.
Peter commenced with SMS Finance in March 2010. Peter has been involved in the finance industry for over 35 years. He had 28 years with the Commonwealth Bank and held lending positions at various branches throughout Queensland. Following his resignation from the Bank as the Senior Loans Officer at the Nambour office, he was involved in small business for several years and then returned to the Finance Industry. Peter has spent over 16 years in the Mortgage Broking field and has extensive experience in all facets of Home Loans and Mortgage Lending.
Scott has been involved in the Finance Industry for most of his working life. He enjoyed a 27-year career with the Commonwealth Bank working at various locations throughout Queensland. In 2006 Scott left the bank and took up a position as a Finance Broker with a large accounting firm and then in 2012 joined the SMS Finance team.
Scott has extensive experience in all types of lending, from Home Loans to Equipment Finance and Commercial and Business lending. Scott has lived in the Noosa area for over 25 years and is a Life Member of Peregian Beach Surf Lifesaving Club and a foundation member (and ex player) with Noosa Rugby Union.
Courtenay joined SMS Finance in 2018, she manages our Construction loans for customers who are borrowing to build their home. Courtenay has over 6 years’ experience in construction funding and has a Cert IV in finance and mortgage broking. Courtenay takes enormous pride in her work and aims to ensure that every construction loan runs as smoothly as possible as she understands that building a home is both exciting and stressful for our customers. She is a very efficient and hardworking staff member and a valued member of our team.
Kellie commenced with SMS Finance in February 2016 after successful positions with My Financial Group, and Astute Maroochydore. Kellie has attained a great variety of experience in these roles, quickly becoming an excellent all-round team member here at SMS Finance. Kellie is an integral and invaluable asset for all the Mortgage Finance Teams, due to her efficiency and expertise in Mortgage Documentation ensuring that all mortgage documentation are processed in a timely manner and are correct, ensuring a smooth process through to settlement for our clients.
Tiffany commenced with SMS Finance in October 2018 in administration and processing. She has worked in customer care and events coordinator in various roles for many years. Tiffany possesses a friendly and helpful nature and is very efficient at organisation and planning as well as management of clients files and customer care. Tiffany is an invaluable team member backing up to all Mortgage Finance broker teams ensuring that each broker has all the supporting and compliance documents required to put a mortgage finance application together.
Georgia is our powerhouse office junior working part time as she completes her Bachelor of Engineering at University of Sunshine Coast where her analytical skills from her studies stand her in good stead in her role here at SMS Finance. Georgia is highly intelligent and a fast learner quickly becoming relied on in the administration and processing areas of our business as a back up to all teams.
Tony commenced with SMS Finance in 2012 after over 35 years Banking experience predominately with the Commonwealth Bank and Bankwest. Tony has been located on the Sunshine Coast since 1999 when he transferred with the Commonwealth Bank to Maroochydore, and has worked in Tasmania, Victoria and NSW in all aspects of lending. Tony has dealt with the larger Commercial clients of both the Commonwealth Bank and Bankwest in Relationship Management roles which involved putting together loan applications, having applications approved to meet clients’ requirements, and the on-going management of the client. Tony has significant expertise and hands-on experience in dealing with Commercial Business Lending.
Garry commenced with SMS Finance in April 2008. Garry previously worked for the Commonwealth Bank and held various lending positions for over 30 years. He has extensive experience in Business and Rural Lending having held positions in Country Queensland and The Business Banking Department of the CBA. Garry handles all forms of finance with us, specialising in Commercial and Rural Finance.
Jenny commenced with SMS Finance in June 2010. She is a very experienced lender and came to SMS Finance very well equipped to assist with all your Equipment Finance needs. Jenny worked for the Commonwealth Bank for 25 years, spending most of that time in small to medium business lending on the Sunshine Coast. Jenny is a highly valued and integral member of our Equipment Finance Team.
Vikki commenced with SMS Finance March 2010, she came to us with 18 years banking experience which included customer service, supervisor, Insurance, Mortgage & Personal Lending, Equipment Finance, Senior Business Support Officer, documentation/processing, settlements, and lending support. Vikki has specialised in Equipment Finance here at SMS Finance for the past 10 years and she prides herself on attention to detail and customer service. Vikki is a highly valued and integral member of our Equipment Finance team.
Rennae commenced with SMS Finance in December 2011 joining the Equipment Finance team, learning everything from the ground up. Rennae has an eye for detail, is very efficient and prides herself in making sure the Documentation and Settlements process runs smoothly assurnig settlements are on time. Rennae is a highly valued member of the SMS Finance Team.
Wendy joined SMS Finance in February 2010 with over 9 years’ experience in Mortgage Finance. Wendy is well equipped to deal with the complexities of Mortgage Lending efficiently and expertly as her client testimonials will attest to. She has a friendly outgoing personality, and a highly respected and valued member of our team.
Wendy’s main role here at SMS Finance is compliance and audit, assisting Keith Nicholson. Her aptitude, knowledge and experience in Mortgage finance makes her the ideal staff member to put a meticulous eye over all Mortgage finance files ensuring compliance has been adhered to.
Keith commenced with SMS Finance in August 2012 and has over 35 years’ experience in Banking and Finance including 28 years with the Commonwealth Bank, primarily in lending roles. Since leaving the Bank in 2001, Keith has been involved in the Finance Broking Industry as well as other family businesses which makes him well placed to understand the financial needs of businesses. Keith is highly experienced and knowledgeable in all facets of lending and oversees all compliance requirements for SMS Finance.
Karen joined SMS finance recently to assist in Compliance. She has many years experience in Banking and Finance with CBA, Bank of Queensland and Sanwa Bank in various roles. She has also had experience in owning and managing a family business. Karen has an eye for detail and is an asset to SMS Finance Compliance area.
Judy commenced with SMS Finance in August 2007 in the role of office and marketing Management. Judy came to us with over 20 years’ experience in all facets of owning and running various small to medium size businesses. Judy also has several years’ experience in customer care with Bank of Queensland in Brisbane city and National Australia bank in Mackay. Judy looks after all facets of our office management requirements, human resources, IT, marketing, and general day to day running of the office. Judy has a keen interest in business and project management where she prides herself in having the business and staff running happily and smoothly as possible.