Mortgage advisor

Working within the business savings team doing work across multiple tasks and communicating across teams. From business verification talking to newly onboarded businesses and those who are updating their existing business accounts. Making sure know your business (KYB) or know your customer (KYC) process is followed. Whether it is onbaording new clients, providing information or changing ownership is done correctly or making changes to an existing business account. Understanding the business and provide input into the risk assessment. Support customers and to champion changes to policy to achieve this. Using knowledge of banking and customers. Ensure the banks KYC and KYB is up to date and decisions are taken in line with our risk appetite.Understand the banks risk appetite, and apply it in reviews, but also identify where we have new scenarios or cases and we need to challenge or review. Informing customers on payment options and account options, this will be a time critical process and key for a smooth customer journey. Support the risk assessment and confirmation of checks. Balance the customer outcome with protecting the bank and ensuring we comply with our regulatory obligations.Help support customers where required. Digital first proposition exceeds customers expectations, but sometimes they need additional support. Also working with authorised 3rd parties to support audit requirements.

Recommendations to the Bank’s credit function to enable growth of Mortgage lending book in line with business strategy, whilst ensuring that all loan applications are completed within policy and criteria. Playing a significant part in managing introducer relationships from key accounts. Delivery of quality, risk based determination of credit risk of new business lending balanced with the risk presented. Complete extensive due diligence on complex applications adopting a host of credit assessment skills to recommend the basis on which risk is taken.Oversee, in conjunction with support staff, legal advisors and chartered surveyors, the drawdown process to ensure offered facilities are drawn as smoothly and quickly as possibleDevelopment of broker and borrower relationships to ensure a strong flow of new business proposals, many from relationships already establishedEnsure that market, sector and Regulatory knowledge is continuously developed and maintained.All work is to be approached on a right first time basis and work at pace with data integrity and accuracy seen as key at all times.

Mortgage & Protection Adviser, for Lloyds Banking Group.Worked as a certified adviser who using mortgage and regulatory knowledge to help new and existing customers with their mortgage and protection needs. Helps Britain & Northern Ireland prosper, delivers expert advice, an excellent customer experience and compliantly fulfils their mortgage and protection needs as appropriate. Ensures customers are dealt with efficiently and professionally dealt with. Acts in line with the Group Values, Behaviours and Codes of Responsibility and supports Lloyds Banking Group priorities.Takes ownership and delivers a high level of the customer experience, ensuring customers needs are met to buy a new home or switch their mortgage, make home improvements and protect themselves and their home (as appropriate).Shows care about the customer, utilising all feedback provided to understand and improve our customer’s experience, escalating any barriers which may hinder a seamless customer experience whilst taking ownership to move the customer as far along their mortgage journey as possibleControl EnvironmentEffectively comply within the Risk Management Framework including our Policies, Processes and Governance to ensure a robust and consistent approach to make the right decisions and do the right thing for our customers.Keep up-to-date with mandatory training and take personal responsibility to ensure you have the appropriate skills and knowledge to remain competent and accredited to undertake your role.Comply with all role competency requirements and focus on our customers’ experience to consistently deliver fair outcomes for our customers.

The concept of B-works is to be a flagship banking store which offers first class customer service. The store motto is Learn, Work, Bank. It is a new concept which gives both retail and commercial clients a space to work whilst their banking needs are met and they have space and time to learn.As a banking advisor I would be the first port of call whether the customer enquiry was a walk in, telephone appointment, written request or a virtual appointment this is where customer is sitting in another Yorkshire bank branch. As an advisor I would detail with retail banking enquiries this included mortgage leads, current accounts, credit cards, personal loans, home insurance. This was in addition to dealing with daily banking enquiries to help customers manage their day to day banking.As well as banking and customer service duties I have maintained high levels of career professional development constantly learning about the products and services across the sector. This has enabled me to provide comprehensive service to all retail customers I have met.

To meet and exceed targets and achieve maximum profitability on sales by selling vehicles and promoting finance, insurance and accessory products. Naturally to build rapport with customers to identify and anticipate needs and proactively promote vehicle features and benefits to match those needs. Processes all required paperwork in an accurate and timely manner. Develops knowledge of motor industry, new models and recent improvements through technical bulletins, training courses, motor industry journals, technical magazines. Provide exceptional customer service throughout the process so all customer expectations are met if not exceeded.(currently selling 15+ cars per month with high finance and GAP penetration).Also i am a buyer of cars via Arnold Clark buys your car. Making sure cars are as described and all paperwork and HPI checks are all in order and processing payments.

To meet and exceed targets and achieve maximum profitability on sales by selling vehicles and promoting finance, insurance and accessory products. Naturally to build rapport with customers to identify and anticipate needs and proactively promote vehicle features and benefits to match those needs. Processes all required paperwork in an accurate and timely manner. Develops knowledge of motor industry, new models and recent improvements through technical bulletins, training courses, motor industry journals, technical magazines. Provide exceptional customer service throughout the process so all customer expectations are met if not exceeded, with high finance and insurance penetration.

Started a private car rental business in October 2012. Offering luxury cars with a bespoke service and maintaining the highest standard of customer service. The day to day running of business is the main duty. Furthermore future goals are set and a strategy plan is also implemented. Financing of the cars and rental income are the centre of this business which will lead to expansion. Repeat custom and word of mouth of the quality of service offered at competitive rates are the core values of this business.

Assisting customers with queries regarding their parcels and re-arranging deliveries. Also liaising between drivers and depots to get optimal results. Furthermore raising disputed deliveries and sending traces to resolve matters regarding any delivery issues.

The day to day running of the car wash was the main remit, to make sure there were a constant flow and no avoidable hold ups. Also to make sure operators maintained high quality of work even when pressured by high volumes at peak hours. Other duties entailed stock maintenance and basic book keeping.

APAUSE Added Power And Understanding in Sex EducationThis is a scheme taken up by numerous Boroughs/L.E.A.'s, APAUSE is a collaborative process between Education and Health working with, and for, young people that provides continued professional development for teachers, health professionals and contributes to young peoples personal development. I was a peer sex educator, working with year 9 pupils.

I dealt with customers queries and helped them in the management of their accounts. I also educated them on what services their Barclaycard offered. I Dealt with Littlewoods accounts; lost and stolen cards as well as customer services were undertaken.