Keith Whitton Email and Phone Number

Provides Financial Advice to and portfolio management services for our Tees Financial clients as a Level 4 qualified Financial Adviser, providing advice including ;- pension accumulation and decumulation with cashflow planning. Provides managed portfolio solutions to meet client needs.

Provided paraplanning and technical support to our team of level 6 and level 4 Wealth Planners

Providing adviser support to the Chief Investment Officer, providing investment research and solution planning. Providing assistance during client meetings and being the first point of contact for servicing client on-going needs

Responsibilities & Achievements• Senior Mortgage broker providing Mortgage and protection advice to my clients whether they are moving home or need advice about their current mortgage or situation. • Provides best advice to clients from a range of available lenders and solutions providing clear guidance on mortgages and the legal aspects of home ownership.• Have experience in sourcing and securing the best mortgage for my client’s needs and recommend suitable protection solutions. • A key team player and keen to share best practice across the wider team. • Has built strong relationships with lender BDM’s and key stakeholders to ensure my client receive the best results. • Is responsible for identifying, booking and progressing client mortgage needs across local offices, addressing client objectives whatever their situation. • During client meetings collates robust client fact finds to really understand his clients and to source the best mortgage and protection solutions based on their needs and goals.

Key Accountabilities• Achievement in Level 4 Diploma Qualification• Successfully managed a portfolio of 300 circa demanding Private Banking client relationships in order to identify and address their needs, ensuring that the overall service exceeds clients’ expectations. • Review client’s needs, including their managed portfolio of investment, in order to assess their current and future requirements. This review may result is recommending appropriate products, services and/or third party referrals so that all their requirements are met as well as potential additions to their current portfolio on an advised basis.• Act as a focal point for queries and liaise as a matter of urgency with all parts of the bank’s domestic and international networks to resolve difficulties so that a first class service is delivered. • Prepare client plans to ensure each relationship is managed according to their needs and potential, regularly conducting financial reviews to assess future needs and ongoing potential. • Ensure effective use and maintenance of the bank’s systems and procedures including compliance with the bank’s Instruction as well as all relevant regulatory and statutory requirements.• I add value and support to motivate, develop and appraise team members so that their performance is both compliant and of the required standard providing advice, guidance and support. • Maintain and regularly satisfy the regulations regarding continuing competence to advise, to include on-going ‘continued professional development'. • Develop collaborative working relationships with other business areas within UK Wealth, such as Wealth Management, Fiduciary Services and our International businesses. • A high achiever in meeting client needs & requirements as well as building exceptional service within a portfolio of high net worth clients.• Effective in communication skills through face to face, telephone and email contact.

Responsible for dealing with personal lending needs for high net worth customers of Lloyds Corporate, Commercial and Agriculture clients. After building further stakeholder relationships, I became the local mortgage advisor for Private Banking clients. I completed over 150% of my personal targets in all 3 years when holding the role. Became a key part of the high achieving Commercial Banking team allowing me to build further stakeholder relationships in East Anglia. This resulted in being invited to join the mentoring program in 2007.• Responsible for an area covering Cambridgeshire and East Anglia, provided suitable mortgage advice to key Corporate and SME clients. • Operated within a strict required compliance framework and delivered against regulatory, process and key risk performance indicators ensuring all sales and file quality benchmarks were met. • Managed all administration from initial mortgage applications, through underwriting to mortgage advance. • Ensured that a high level of customer service was maintained and results delivered. • Continually met or exceeded mortgage targets. Achievements: • Achieved top 1% in national sales targets. • By succeeding in role was nominated for the staff mentoring programme within Lloyds Commercial in 2007.

Responsible for delivering sale targets and assisting personal customers when moving home, re-mortgaging and often consolidating their personal borrowings, providing suitable personal advice for their individual circumstances. • Provided suitable mortgage advice and solutions to branch and personal customers, often helping newly recommended customers. This was because of my first class service and knowledge of mortgage lending, knowledge of key procedures and providing first class service and advice to customers.• Achieved key successes in the local area and over achieving on my personal targets in meeting customer needs enabling me to progress in to the specialised area dealing with Commercial and Corporate clients.• Learned the ability to advise customers on their key protection needs to identify shortfalls and provide solutions in meeting those needs.

Was responsible for dealing with the day to day servicing of branch customers, maintaining a first class service during all customers interaction.Became proficient with key questioning skills, listening skills, Lloyds Microsoft and other IT databases enabling me to deal swiftly with client queries and problems