Watford, England, United Kingdom
A committed and self-motivated professional with over 10 years’ experience throughout the mortgage industry; including packaging, underwriting, financial hardship, asset management and credit risk. A skilled analytical thinker, able to learn fast and adapt to new challenges. Naturally curious and eager to expand my knowledge whenever possible. An articulate and effective communicator able to succinctly convey ideas and objectives to a wide range of audiences. Highly dependable and honest in nature with a focused ‘can-do’ attitude. Experienced at working to targets and deadlines with an organised and considered approach.
Supporting the development of the risk appetite & strategy for the front-end of the business. - Responsible for the maintenance of the rules engine for new business acquisition within Strategy Design Studio. Modifying, testing and launching revised versions in line with business requirements. - Analysing and trouble-shooting DIP queries for the Sales and Origination teams - Support of cross-functional projects and initiatives to drive business strategy & execution - Production of high-quality presentations to secure approval for new strategies via governance forums. - Revisions to policy documents including completion of regulatory gap assessments. - Mandated to approve Contract Variation applications up to £350,000, including policy exceptions Key player in the DPR project to replace the front-end platform, include the regulatory requirements of the Mortgage Credit Directive (MCD). - Delivery of a comprehensive policy rules framework for automated decisions - Collating the specification of systemised roles, privileges and mandated controls - Delivery of test scenarios and conducting EVT & UAT - Supporting the revision of offer process into a 2-stage process
Management and sale of repossessed properties in Florida from the ‘British Mortgages Abroad’ portfolio, including the production of monthly and quarterly MI. - Liaising with a third-party asset management company to progress properties from foreclosure to closure of sale, increasing average sale to 92.5% of initial list price. - Driving an initiative to ‘lean’ the process, increase rigor and reduce costs - leading to a 2nd nomination for ‘Star Performer’. - Production of a comprehensive Standard Operating Procedure guides for the specialised process.
Specialised role dealing with customers applying for government initiatives, such as the Mortgage Rescue Scheme and the Homeowners’ Mortgage Support. Expansion to deal with the GE Assisted Voluntary Sale scheme in 2012. - Focused approach lead to GE Money being a leading lender in the Mortgage Rescue Scheme with ~1400 applications completed from launch to closure. - Awarded company ‘Star Performer’ in March 2013 as recognition of results achieved. - Consistently meeting & exceeding monthly and annual KPIs, while maintaining exceptional Quality Assurance outcomes. - Formed strong relationships with local authorities/housing associations and representing the business at CML and DCLG forums. - Production of concise & accurate MI regarding the pipeline, shortfall agreements and completions for report to senior management.
Dealing with the restructure and rescheduling of accounts due to financial hardship based on an in-depth customer assessment. - Managing accounts from initial contact to conclusion in a timely manner to meet & exceed monthly targets. - Placing the customer at the heart of the process and maintaining TCF principles at all times. - Assessment of income and expenditure information and preparation of a thorough risk-based rationale. - Execution of the most appropriate solution following interdepartmental approval.
A secured loan brokerage dealing with over 13 lenders. Processor role involved the packaging of applications for submission & progression to completion. - Prioritising workload to consistently hit individual and team targets. - Noted for quality of packaging and routinely achieving ‘day-one’ completions. - Providing exceptional customer service.
Responsible for the registration of legal charges at HM Land Registry and other post-completion administration within a busy conveyancing solicitors. - Timely professional communications with both lenders and HM Land Registry - Consistently organised approach to managing a time-sensitive workload.