Christopher Tomkins Email & Phone Number

Newcastle Upon Tyne, GB

Newcastle-upon-Tyne, England, United Kingdom

• Undertake oversight activity of outsourced service provider including arrears, complaints, and service-related customer interactions as part of first line of defence in accordance with Third Party contractual.
• Identification and escalation of incidents and breaches to ensure customer and/or company detriment is swiftly escalated and resolved, and any remedial activity is untaken.
• Ensure conduct and operational risks are identified and escalated to the appropriate Pepper stakeholders.
• Analysis of SLA and KPI’s to assess the outsourced service provider and present findings to the Third-Party Oversight Manager.
• Responsible for overseeing complaint handling, including working with complaints team to ensure that complaints are handled in accordance with FCA DISP rules, internal procedures, and Third-Party contractual.
• Recording, analysing, and distributing statistical information.

Newcastle Upon Tyne, England, United Kingdom

• Reviewing and verifying mortgage loan applications for a specialist lender (residential, BTL and Limited Company BTL) from DIP to approved application, to ensure they meet the requirements as outlined within company.
• Manging my own pipeline of applications, ensuring they are managed within the expectations of the lender and broker
• Completing loan eligibility decisions resulting in approving or rejecting loan applications or when necessary, reducing the loan amount
• Performing financial assessments on all applicants, checking their annual/monthly income, cash reserves, bonuses, etc., to ensure their suitability for the loan application
• Completing detailed credit checks on all applications to ensure a personal approach is taken when deciding on an outcome for the application
• Refer and recommend mortgage applications outside standard lending policy where a justifiable business reason exists to the appropriate management

Newcastle Upon Tyne, England, United Kingdom

• Complete initial fact find with all new and existing clients to understand their requirements before booking the client in with a mortgage adviser
• Act as the first ‘port of call’ for clients, lenders and conveyancers with any queries (at all stages of the process from successful DIP through to legal completion and beyond)
• Ensure timely, accurate and appropriate responses to telephone calls/enquiries or correspondence from clients, lenders, or conveyancers to ensure we maintain an effective relationship
• Heading up a small team to build a new working relationship with a third-party estate agency, allowing the firm to increase our outreach to new clients
• Manage a new re-mortgage department, creating processes and policies to ensure we continue to liaise with existing clients when their current mortgages/insurances are due to review
• Manages diary systems for allocated advisers to monitor cases and progress chase as appropriate

Gosforth, England, United Kingdom

• Reviewing and verifying loan applications and supporting documentation including P60’s, payslips and bank statements, etc), to ensure they meet the requirements as outlined within company lending policy
• Perform identification checks on all applicants of the loan and perform credit checks to ensure their suitability for the requested loan
• Performing financial assessments on all applicants, checking their annual/monthly income, cash reserves, bonuses, etc., to ensure their suitability for the loan application
• Analysing potential loan risk to the company and requesting additional information if deemed necessary to help reduce any exposure for the company
• Complete Anti-Money Laundering checks on all applications to ensure the company fully complies with The Money Laundering and Terrorist Financing (Amendment) Regulations 2019
• Completing loan eligibility decisions resulting in approving or rejecting loan applications or when necessary reducing the loan amount

Gosford Newcastle

• Working closely with vulnerable customers, as well as third parties to ensure vulnerable customers are handled in line with FCA guidelines, such as CONC 2.7 and Treating Customers Fairly
• Ensuring vulnerable customers are treated within the right manner during their time with the bank and tailoring our actions to ensure the customer is not subject to further disadvantage (tailoring the way the bank.
• Assessing vulnerable accounts which have fallen into default, so understand if debt sale is the best outcome for the customer and the business
• Updating and reviewing internal policy and procedures to reflect any change in FCA guidelines and to ensure the best possible service is provided to the banks customers
• Assessing the right outcome for vulnerable customers by using a varied approach, including direct contact, medical documentation and third party companies
• Responding to customers requests via phone, email or letter

Newcastle Upon Tyne, United Kingdom

• Work closely with the quality assurance departments of our partners to ensure timely and high quality submissions within deadlines set out by our partners, as well as answering queries submitted by our partners.
• Auditing of government funding paperwork meeting all requirements of the European Social Funds and Education and Skills Funding Agency framework
• Ensure all work is completed within tight deadlines
• Prioritise workloads according to the importance of completion of the workloads
• Understand the requirements of funding eligibility of both the European Social Funds and Education and Skills Funding Agency
• Undertake periodic training with new learners and assist with training program as outlined within the training matrix created in line with the NCFE requirements

Newcastle Upon Tyne, United Kingdom

• I performed the below roles;
• Support clients in ensuring their business meets internal and external FCA/AIFMD regulatory requirements and comply with COBS, DISP and SYSC
• Perform compliance reviews for corporate clients, making necessary action recommendations as required
• Review and sign of financial promotions
• Conduct compliance monitoring calls/visits
• Conduct onsite client training covering MiFID II, Financial Promotions and UK Regulations

Newcastle Upon Tyne, United Kingdom

As the companies Credit Consultant, I would discuss clients financial requirements, understand their business which then allows me to match them to the best financial product, allowing their business to grow.I would work with the client to create business plans and financial forecasts to ensure they have a sound business plan which allowed lenders to see.

Newcastle Upon Tyne, United Kingdom

• Perform compliance consultancy activities for Consumer Credit regulated firms, ranging from distance selling firms to debt management firms. While performing this role, my main duties were as follows;
• Advising firms on all details relating to UK Financial Regulations [CONC, DISP, SYSC]
• Creating bespoke policies and procedures to meet requirements under their FCA authorisation
• Assisting in direct FCA authorisation applications for clients
• Providing outsource compliance support for H&M and assisting in their direct authorisation with the FCA, as well as being their primary contact for all compliance relating queries
• Created and provided staff training to cover an induction to compliance, financial difficulties, vulnerable customers and complaints

Sunderland, United Kingdom

Working within an Outbound/Inbound Debt Management facility. Assisting with customer’s queries on their mortgages as well as discussing their current situation and ability to clear arrears. Daily duties include exploring customer's circumstances in detail, completing comprehensive affordability assessments, agreeing to suitable arrangements to pay back.

Felling

Working for the largest independent drinks company within the UK. My main daily role was to be the main point of contact for customers who may have queries with their drink orders. I was a specialist for wine and real ales, managing all WaverleyTBS supported real ale events within the South East of England and the Midlands. In my Team Leaders absence I.

Sunderland, United Kingdom

Working within a large busy contact centre, dealing with varied queries around a customer's credit card, talking payments, investigating potential fraud on a customer's account and performing balance transfers.

Boldon, Tyne And Wear

I was head of the sales department, as well as dealing with the company's active bids. I would check local authorities who had an active tender for a vehicle tracking system. I would start the company's bid for the contact, contacting the authority, setting up meetings, creating marketing information and deal with all quotes for the company. I also over.

South Shields

Working within a busy Outbound Call Centre on behalf of T-Mobile. Using effective questioning and building rapport with the customer, enabling me to sell the benefits of Mobile Broadband.

Sunderland, United Kingdom

Main duties were to contact customers on an Outbound Dialler, offering the benefits of life insurance. I would use effective questioning skills to understand the best plan for the customer then complete a comprehensive phone medical with them to complete the policy.

South Shields

General bar keeping duties. Offering a high level of customer service and maintain the bar area, including stock take.

South Tyneside

As the member of South Tyneside it was my responsibilities to highlight the concerns of those living within South Tyneside under the age of 18.My role involved me working closely with the local council to help develop youth activities and programs to help encourage youths within the area. I also worked closely with surrounding areas to exchange ideas and.

Newcastle Upon Tyne, United Kingdom

Daily duties included being the friendly face to face point of contact for the customer, offering assistance when needed, ensuring effective stock rotation and working as a cashier, performing cash, cheque and credit card transactions.

High School, Sociology, A-Level

High School, History, A - Level

High School, Geography, A-Level

High School, Law, As-Level