Introducing CFML's New BDMs: Richard and Ricky

Since joining, both have made an outstanding start and have already demonstrated the experience, energy, and commitment that will add significant value to our adviser network and business. Their industry expertise is complemented by their first hand experience as Advisers, giving them a deep understanding of the challenges, opportunities, and day-to-day realities you face.

We are confident that their knowledge, practical insights, and relationship-focused approach will make them valuable partners as we continue to support your growth and success.

You can find more information about Richard and Ricky, including their backgrounds and contact details, below. They are always happy to connect over a coffee and discuss how they can support you and your business.

Please join me in welcoming Richard and Ricky to CFML Loan - Johny Kale, CFML CEO.

Ricky Luo – Business Development Manager
Auckland

Ricky brings extensive experience in banking, mortgage advisory, and property finance across the New Zealand lending market, having previously held lending roles at major banks including ASB and BNZ, as well as working as a mortgage adviser. He has a strong track record in residential and investment property lending, working closely with borrowers, brokers, and professional advisers to structure practical funding solutions.

Ricky focuses on originating lending opportunities and building long-term relationships across the property finance market.

Ricky is fluent in English and Mandarin and is based in Auckland, New Zealand.

Email: rickyl@cfml.nz  Phone: +64 27 418 5155

Richard Clark – Business Development Manager
South Island and Wellington

Richard brings extensive experience in business banking and SME finance across the New Zealand market. He is known for his strong relationship-focused approach, working closely with business owners to understand how their operations run and what is needed from a financial perspective. Richard collaborates regularly with accountants, solicitors, and other professional advisers to ensure clients have the right support and structure in place.

He has a proven track record of helping businesses strengthen their financial position, refine their structure, and access the right funding solutions. Richard also works alongside advisers to support business owners as they grow, including navigating key transition points and improving overall work-life balance.

Richard focuses on building long-term relationships and connecting businesses with the right expertise to support sustainable growth.

Email: richardc@cfml.nz Phone: +64 27 334 5850

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