Denice Veuthey

Commercial finance professional with 15 years of experience managing debt facilities, assessing business financial performance, and advising business owners on capital strategy — from inside the businesses that banks lend to. Proven ability to evaluate SME borrowing capacity through direct management of working capital cycles, CapEx structures, and multi-entity cash flows across Queenstown's hospitality, property, and technology sectors. Deeply embedded in the Queenstown business community with an established professional network and a genuine commitment to helping local businesses grow.

Now bringing this commercial acumen and relationship expertise to business banking.

Group Management Accountant - ROKI Collection - Queenstown

(2024-01)

• Group credit profile: Manage consolidated financial reporting, budgeting, and forecasting across a multi-entity hospitality and property holding group — the same financial picture a lender requires to assess group borrowing capacity.
• Serviceability & CapEx modelling: Build robust Excel cash flow models and CapEx forecasts to support strategic investment decisions — equivalent to financial modelling used in term loan and asset finance credit submissions.
• Debt facility oversight: Manage working capital, cash flow, and debt facility repayment structures across multiple entities along with the fractional CFO— hands-on experience with the credit instruments Business Partners structure for SME clients.
• Executive advisory: Collaborate directly with the Managing Director and Fractional CFO on strategic planning, forecasting, and liquidity management.
• Transitioned external advisory work in-house, expanding tax compliance strategies and reducing external costs — demonstrating commercial initiative and measurable outcome delivery.

Management Accountant - Trojan Holdings · Intouch Technology Group - Queenstown

(2022-01 - 2024-01)

• Credit facility administration: Assisted with managing cash flow, accounts receivable/payable, and debt facilities — practical understanding of how businesses draw on and service credit lines.
• Board-level reporting: Prepared monthly management accounts and financial commentary for Board of Directors — equivalent to the financial narrative in a credit submission.
• Maintained strict compliance with accounting standards while balancing commercial considerations — the critical balance in credit assessment.

Financial Controller - QT & Rydges Hotels - Queenstown

(2020-01 - 2022-01)

• Financial risk assessment: Identified and remediated control weaknesses across multi-site hotel operations — the same risk assessment a credit analyst performs when evaluating a borrower's internal control environment.
• EBITDA improvement: Implemented cost controls and labour planning algorithms, directly improving operational margins and debt serviceability.
• Reduced operational risk gaps by over 30% through new software systems and audit processes.

Assistant Accountant - The Rees Hotel - Queenstown

(2018-01 - 2020-01)

• Working capital: Managed accounts payable/receivable, bank reconciliations, and payroll — foundational understanding of the working capital cycles that drive SME borrowing needs.
• Spearheaded electronic invoicing implementation, significantly reducing processing time and errors.

Finance Manager - Wild Earth Wines - Cromwell

(2013-01 - 2018-01)

• SME financial management: Managed full financial operations across a multi-channel SME (vineyard, restaurant, cellar door, distribution) — direct experience with the financial profile of BNZ's business clients.
• Delivered 50% cost savings through workflow improvements — a material EBITDA gain strengthening the business's credit profile.

Client Financial Management Senior Analyst - Accenture - USA & Argentina

(2008-01 - 2013-01)

• Portfolio risk management: Managed financial risk across multi-million dollar client portfolios under strict GAAP governance — building the risk quantification discipline central to credit assessment.
• Cross-cultural advisory: Communicated financial insights to stakeholders across the USA, Argentina, India, and the Philippines — directly applicable to BNZ's diverse SME client base.

Hospitality Management Roles - Luxury Hospitality Sector - Aspen USA & Argentina

(2008-01)

• Built client-first mindset, empathy, and relationship management skills in luxury hospitality — the interpersonal foundation of effective business banking.

NZ Certificate in Financial Services - Financial Services - Open Polytechnic (2024-06 - 2026-06)

CPA Australia Foundation Program - Accounting - CPA Australia

Bachelor of Business Administration - Accounting - National University of Quilmes

Bachelor of Hotel Management - Hotel Management - National University of Quilmes