Jacqui Grove Email & Phone Number

United Kingdom

Portfolio Manger Lead for the in-life Propery Development Loans, and Line management of the team.

United Kingdom

Peterborough, United Kingdom

My current role as an Underwriter, involves liaising with Brokers and clients to manage, assess and underwrite Commercial mortgage applications. I manage a number of cases through all stages of the application process from initial Broker enquiry through to obtaining a mortgage offer, ensuring strict adherence to the Bank’s lending and valuation policy, and collaboration with the credit team. This has allowed me to grow many strong relationships with Brokers and enables me to provide a bespoke service• Manage commercial mortgage portfolio of 250 cases.• Ability to underwrite Mortgage applications up to £500K for Commercial property, buy to lets, house of multiple occupancy and multi-unit freeholds.• Ability to self-motivate and manage high volume caseloads efficiently and within Service Level Agreement timescales, getting it right first time.• Ability to work on my own initiative as part of a team or alone with strong decision making skills.• Excellent interactive skills will brokers, clients, valuers and solicitors, managing timescales and expectations.• Ability to interpret and analyse financial information.• Ability to interpret and apply credit procedures effectively, adhering to customer due diligence at all times.• Ability to work with internal teams, especially credit and completions to ensure cases are timely managed through to completion.• Proven sales ability to identify and meet customer and business needs.

Peterborough & Lincolnshire

This role gave me the opportunity to manage and have full responsibility for a portfolio of 220 Agricultural and Horticultural Clients with complex lending needs of £30k-£300k under my lending mandate. This was an “on the road role” visiting clients at their homes and places of work. Understanding their Business needs and future aspirations enabled me to add value with advice and by providing tailored Working Capital Finance and a variety of Term Loan Facilities. My high level of customer service led to many personal letters of Recommendation, I also received recognition from both Regional and National HSBC Bank PLC Commercial Banking for my high level of acquiring new Business into my Portfolio. Personally involved in many business diversifications, including wind turbines, solar energy and property development.• Ability to manage own diary efficiently, especially as by clients were based in a large geographical area.• Aptitudes to work remotely yet still liaise and meet with the team on a regular basis.• Strict Credit policy Adherence, risk management and Due Diligence undertaken.• Control of clients in financial difficulties.• Ability to interpret and analyse financial information.• Strong written skills to produce detailed lending submission with pertinent information including; sector, financial, personal and business details.• Ability to value agricultural land, crops and livestock.• Liaise with various parts of the Bank to ensure a seamless service.• Proven ability to meet annual growth targets for the portfolio, including acquisition of new to bank clients.• Cross sales of other banking products, including Asset Finance, Invoice Finance and Merchant services.• Responsible for risk based pricing according to client relationship and risk of lend.• Ability to build a strong report and network with introducer’s and accountants and retaining a strong business presence in my community.

Boston, Lincolnshire

Business Specialist - HSBC Bank Plc - November 2005 to August 2012• Ability to meet targets for business banking through new business accounts, Term, revolving and working capital lending and acquiring Businesses from other financial organisations. • Undertook full assessments of Business Lending propositions ensuring responsible lending.• Personal lending mandate of £30k held.• Completing Audit checks.• Ability to provide leads to Financial planning, Personal Mortgages, Merchant services, Business insurance based on customer’s needs.• Achieving top performer on Recommendations from existing Customers leading to new Business.• Obtaining outstanding ratings for achievements in Business Banking in most years within this role.• Full Responsibility for Business banking at the Boston Branch of HSBC Bank Plc and keeping relevant colleagues up to date with product and procedural changes.• Provided assistance to the Personal Banking Counsellors and Cashiers with customer queries and complaints.• Regular networking with local Accountants and Solicitors.• Involvement in Young Enterprise and Presentations to local schools.

Boston, Lincolnshire

This role was a great introduction to Commercial banking within HSBC, and where I gained a great deal of knowledge from my peers, which in turn gave me a passion Commercial banking.• I provided Lending support to the 3 Commercial managers whose portfolios contained commercial clients borrowing upwards of £30k to £6m.• Liaising with Accountants, Solicitors, valuers and clients.• Compiling of Lending applications.• Producing Facility Letters.• Financial Accounts inputting.• Completing Security instructions.

Boston, Lincolnshire

This role enabled me to lead a team of 3 cashiers at Boston.Main duties were to keep branch cash stocks at an appropriate level, by managing cash returns and deliveries.To encourage the cashiers to spot leads and sales opportunities to pass onto counsellors, Business Specialist, Financial Planning Managers & Mortgage advisor’s.To effectively manage and organise the team to keep cash differences at a minimum and to meet tight time restraints.

Boston, Lincolnshire

I Originally joining HSBC Bank Plc (Midland Bank) on a YTS programme, and was then fully employed after 8 weeks. From that time, I worked within various Administration roles. Followed by Cashiering, being a Personal Counsellor and regularly Managing the Sub Branch in Coningsby.

Certificate In Business Banking And Conduct, Distinction

Education record