Alan Fitzpatrick Email and Phone Number

Dynamic Director of Mortgage Operations and Underwriting with extensive experience in building and leading scalable Mortgage Origination and credit teams. Proven ability to enhance the customer service process across operations, credit underwriting, new mortgage product delivery, operational efficiencies, and post-completion servicing, including third-party management. (Residential and Buy to Let mortgages)Recognised for developing and optimising customer journeys through exceptional service delivered by motivated, well-trained teams. Determined and adaptable, I thrive on owning challenges and driving continuous simple improvements for better customer experiences.Skilled in proposition development using operational risk management frameworks and Target Operating Models to support ambitious commercial growth while ensuring regulatory compliance and cost mitigation. A customer-centric advocate with strategic insight to eliminate friction in customer journeys and deliver simple, effective solutions. Exceptional people manager with strong interpersonal and communication skills, fostering positive team environments for outstanding customer outcomes.Key Achievements• Achieved Full CeMAP and Supervisor Qualification: Supervised the regulatory advice function for a mortgage lender, ensuring compliance and quality standards.• Launched a Fixed-for-Life Mortgage Product: Introduced an innovative product to the UK market, overseeing the development of operating systems, control frameworks, credit underwriting policies, external broker partnerships, and commercial performance. • Active Member of the Home Buying & Selling Group: Contributed insights and expertise to shape industry practices.• Drove 40% Year-on-Year Mortgage Origination Growth: Developed operations capable of supporting gross lending exceeding £3bn and processing over £5bn in applications.• Managed Post-Completion Servicing for 30,000+ Customers: Ensured high-quality service across multiple portfolios.• Led Lender Risk Management During the Pandemic: Developed industry guidelines that facilitated the safe resumption of the home buying process.• Achieved Grade 1 Audits in Mortgage Underwriting: Demonstrated exceptional quality standards at a challenger bank.• Oversaw Migration of £1bn Portfolios: Successfully managed the purchase and integration of two Irish and two UK portfolios.• Managed Master Servicing Performance: Oversaw 10,000+ mortgage loans across five third-party administrators, establishing robust client governance structures