Joanne Williams Email and Phone Number

Black & White Bridging operate in the bridging and development loans market. We provide finance for you to seize investment opportunities which traditional finance may not support. The finance is secured on property or land and is generally provided for less than a year to help enable the project to be started. Started in 2013 by Martyn Smith, who built and sold one of the most successful bridging companies. Our aim is to combine a highly competitive and flexible product with the highest levels of service, allowing our broker partners to fulfil their clients’ needs and share in our success. Black & White Bridging is a business with traditional values who respect and value our market place and it’s introducer's, built off robust foundations and regarded as a lender of integrity, who will deliver on our promises. We are a leading bridging company with a reputation for delivering excellence to both brokers and clients, built on the foundations of our expertise.

Remote working to cover the whole of the UK, and whether you would like to discuss taking out a mortgage or would like to look at protection and insurance options, I will be able to help find the right plan for you.EXPERTISE MATTERS...Convenient, helpful and personalised advice. Embrace Financial Services have brought together financial advisers to create a powerhouse of professional talent ready to give you clear and helpful advice as you search for the most suitable mortgage and protection products.I have a vast wealth of knowledge and experience, including having previously worked in Spain, advising Expats and Spanish Nationals in connection to their mortgage and protection needs. I deliver a professional service, offering tailored mortgage advice to all my customers. I provide protection advice for each mortgage against unforeseen circumstances that could impact on your ability to repay your mortgage and other monthly costs, offering a tailored service with my focus on getting the best result for my customers.I work for you, and not the lender and have access to a comprehensive range of mortgage and protection products, often including some exclusive mortgage deals that are not available directly from the lender.FINDING FINANCIAL PRODUCTS THAT SUIT YOUR NEEDS NEEDN'T BE HARD WORK.I manage the whole mortgage advice process to help get you moving. There’s no need for you to contact lots of different lenders – I have access to thousands of different mortgages from many different lenders, and many of them are exclusive. At every stage you will have me, a dedicated professional to give you a personalised service.

A supervisory role in addition to the New Homes Mortgage Services Manager role below.I was promoted to this role after receiving a nomination from my existing MSSM and following the creation of a 12 page presentation document and a series of formal interviews.This is a newly created supervisory role within Connells to assist the acting Mortgage Services Sales Manager (MSSM) with the leadership and management of consultant team and in time to become a MSSM.Combining duties as an Assistant Manager with my activities as a front line New Homes Mortgage Services Manager to continue the generation of business.Having delegated line management and supervisory responsibilities for a number of mortgage consultants within the team and the recruitment of new mortgage consultants when additional members become required.Fulfilling the full range of supervisory activities as set out in the company T&C Scheme; and when the MSSM is absent due to holiday, sickness or them moving to another role, the MSDM will become fully responsible for all aspects of the management and supervision of the team.The supervisory activities include;Coaching and Training of the allocated mortgage consultantsConducting monthly 1 to 1 business reviews with the allocated mortgage consultantsThe MSDM has delegated responsibility for accompanying, observing and assessing the RMA MSCs they have responsibility for to at least the minimum standards set out in the schemeWorking with new mortgage consultants through all sections of the New Entrant Learning programme; preparing them for their induction course and leading them through to achieving RMA statusAccompanying, observing and assessing Non-RMA mortgage consultants Conducting quarterly KPI reviews with mortgage consultantsThe day to day ongoing supervision and management of the mortgage consultants they have been given delegated authority for.

Continuation of the role below moving across to New Homes.Having the sole responsibility as the only New Homes Mortgage Services Manager in our area of Bristol & Somerset and I now cover 10 offices (8 x Bristol, 1 x Yeovil and 1 x Taunton) instead of 1.I was promoted to this role following the creation of a 10 page presentation document and a series of formal interviews.Management and implementation of the New Homes Process.  This element of the business was from a Cold Start within Connells for Bristol & Somerset.Responsible for the upskilling of the existing residential Estate Agency Teams and New Homes Team within our area bring my vast wealth of experience in all areas, with training bites and sessions to ensure a smooth process is undertaken by the client from start to finish.  Creation and presentation of demonstration for the New Homes Conference; with the New Homes Business Development Manager.

A dual role providing a full advice and recommendation service based on a panel of lenders, including High Street, Specialised Lenders, Let to Buy and Buy to Lets. In addition, to provide full advice and recommendation on protection policies from a panel of providers for Wills, Income Protection, Life, Critical Illness and Buildings & Contents. Ensuring the provision of best advice and TCF in line with company procedures and statutory rules and regulations. Developing and maintaining a close working relationship with the residential sales team ensuring a constant supply of referrals.  Providing feedback to the residential sales team at every opportunity to ensure they are kept informed of the progress of any referrals.  Maximising and developing business relationships with support functions. Provide support to the residential team as and when required.Assisting MSSM with the training, coaching and development of the consultants within our team, and to review of these consultants files prior to submission to Connells internal system. Attending MSSM Meetings on behalf of MSSM when MSSM is unable to attend available and providing summary notes of the events / decisions that have taken place. Assisting other team members with their lender and protection enquiries with the knowledge gained from 28 years within the Finance Industry. Creation of Protection Presentation for the AVIVA Round Table Event

...... CORE VALUES ...... TRUST ...... TRANSPARENCY ...... INTEGRITY ...... TEAMWORK ...... SERVICE ......Developing strong relationships with lenders, both mainstream banks and building societies, as well as a wide range of specialist providers providing advice on a variety of funding solutions to meet the ever- changing needs of clients and the market in general.I manage one of two teams within the New Build department an exciting place to work. We are here to make life easier and better for everyone. The team is expanding ... come and join the 6 existing MARVELS, be part of a dynamic superhero team.There has never been a better time to join Key Solutions, the company is expanding rapidly and we need the right individuals, who believe in our culture and the ethos that will help grow the business and achieve our future goals.

Providing a full advice and recommendation service from Whole of Market, including High Street, Specialised Lenders, Let to Buy and Buy to Lets. From sub-prime for those clients with existing IVAs and discharged bankruptcy of 12 months to prime for clients who have had no previous credit issues. Advise and recommendation of the protection policies also available from Whole of Market including Whole of Life, Life, Wills, Income Protection, Critical Illness and Buildings & Contents. Providing a full advice and recommendation, on a variety of other finance options available; loans (secured / unsecured), development finance, new build / self build mortgages, limited company BTLs, credit repair and bridging finance etc...Statutory rules and regulations including TCF, MCD (21/03/16), 2nd Homes (01/04/16, 2017 and 2021/1), MMR (26/04/14)

An Estate Agency and Property Services Company who are a subsidiary of a Skipton Building Society and have 500 branches throughout the UK.A senior dual role providing a full advice and recommendation service based on a panel of lenders, including High Street, Specialised Lenders, Let to Buy and Buy to Lets. In addition, to provide full advice and recommendation on protection policies from a panel of providers for Wills, Income Protection, Life, Critical Illness and Buildings & Contents.

Manager of the Mojacar office for a Finance and Insurance provider with 6 office throughout Spain.A multifunctional advised role with both English and Spanish clients alike; being authorised under the FSA regulations enforced within the UK November 2004, and the corresponding Spanish regulations CNMV and DGS. Being solely responsible for the mortgages of all 6 office within the whole company from conception through to completion by providing an advice and recommendation service. This also included direct interaction with the banking system within Spain and the added requirement of being knowledgeable on the current laws and regulations and therefore ensuring any changes to the structure of the Spanish financial system were adhered to.Providing advice and recommendation on additional products available; insurances both mortgage related and personal, Investments and Pensions including QROPs, with the implementation of financial transfers to the scheme.

A multifunctional advised consultancy role with both English and Spanish clients alike; being authorised under the FSA regulations enforced within the UK November 2004, and the corresponding Spanish regulations CNMV and DGS from the whole of market.A member of an Estate Agency and Financial Services Provider within Spain, responsible for the entire mortgage process from advice and recommendation through to completion. Also providing advice on other financial products and services available:QROPs, IPPInsuranceWillsCurrency ExchangeTranslations

Bristol & West Investments Plc / Bridgingloans.com operates as a principal mortgage lender specializing in short term bridging loans for residential and commercial properties. The company offers its loans for residential property purchase, commercial property purchase, land purchase, renovation, new build, speculative properties, and commercial development in the United Kingdom. The company was founded in 1962 and is based in Bristol, United Kingdom.Having a personal mandate of £500,000 with a multifunctional advised role authorised under the FSA regulations enforced within the UK November 2004.Personally responsible for the exchanging of contracts, contract races and completions. Sourcing of mortgages and providing advice on the following financial possibilities:ResidentialDevelopmentCommercialRemortgagesNew BuildBridging FinanceResponsible for company relations and image by way of attendance at property auctions including Barnard Marcus London.

Dual role providing sales to an international customer base. Analysing costs and income for portfolio of Original Equipment and Trailer customers. Liaisons on a daily basis providing customers with confirmed quotations and prices for a range of small batch quantities. Implementing price increases, decreases and discounts. Analysing customer, competitor and factory data / costs to identify potential savings. Producing internal Management Report and Sales Forecasts, group budgeting for an International Company. Authorised under ISO9001. Reorganisation of product price lists. Management of large overseas contracts involving Top 7 worth £1,000,000. Reducing the response times on Customer programme by 60% and establishing a new complaints procedure. Administered and controlled an effective training programme.