Christopher W. Email & Phone Number

United Kingdom

London, England, United Kingdom

Manage a diverse portfolio of high-net-worth clients, providing personalized financial advice tailored to their unique circumstances. Conducted thorough assessments of client priorities, preferences, and financial backgrounds, considering various income streams. Analyzed complex company accounts to evaluate affordability and assess mortgage risks. Guided clients through underwriting processes, ensuring accurate credit assessments and transparent communication of loan terms. Developed comprehensive credit proposals and provided market insights to managers, while fostering strong relationships with clients, brokers, and introducers. Implemented client retention strategies, organized networking events, and ensure smooth application processing and regulatory compliance through collaboration with internal teams. Provided regular reports and updates to stakeholders and ensuring accountability for performance standards.

London, United Kingdom

Head of Credit in a busy London branch, responsibilities included managing the London Loan Book encompassing mortgages, Lombard loans, and Development Finance. Delegated authority up to EUR 15million from Geneva office, conducting thorough borrower assessments, issuing loan terms, and presenting deals to credit committees. Oversight of all lending documentation, from valuation to renewal, ensure regulatory compliance and updates to London credit policies. Collaboration with Relationship Managers and Introducers supporting business growth, while overseeing financial reporting and leading a team of 2 Credit Officers. Monitoring loan portfolios and managing problematic loans to repayment.

8 St James'S Square, London

Supported clients across diverse regions including the UK, Jersey, Guernsey, Monaco, and Gibraltar, specializing in regulated and unregulated mortgages, Lombard loans, currency mortgages, and SPV lending. Responsibilities encompassing assessing credit requests, conducting detailed borrower fact finds, and recommending suitable mortgage or loan products with associated disclosures and terms (ESIS). Additionally, managing affordability analysis, preparing complex credit applications for approval, and driving business development through strategic marketing with Relationship Managers and Introducers.Delegated authority up to 5 million euros, collaboration internally to develop competitive lending products, attendance at client meetings, and effective management of mortgage and loan renewals, FX limits, and Lombard limits.

Supported 3 Senior Private Bankers overseeing a portfolio of Ultra High Net Worth (UHNW) clients. Expanded business by identifying growth opportunities and enhancing client relationships. Addressed clientinquiries promptly, offering expert guidance on financial products. Managed daily tasks such as monitoring portfolios, overseeing account openings, and organizing client meetings for reports and reviews.Achieved KPI targets consistently, negotiated favorable terms for clients, and optimized efficiency through collaboration with internal teams to foster new client relationships.

Managing daily client portfolio operations, coordinating closely with trading desks for equity trading, derivatives, and portfolio management. Handling client orders, monitoring portfolios, reporting fundmovements, and managing credit positions. Scheduling appointments for the Director and Senior Relationship Managers, serving as a key client contact, and organizing meetings during travel. Supporting client visits, adhering to banking regulations like KYC and Due Diligence, and overseeing private banking functions such as account opening, KYC documentation, and loan arrangements.

Oversee Coutts & Co Mortgage Illustrations and Offers, analysis of credit sanction documentation according to policy, pricing and regulation. Provide a highly personalized service supporting Private bankers and clients in regards to case specific Currency and Offshore Mortgages. Responsible for to a broad range of client inquiries regarding Account administration and Currency and Offshore mortgages, Market Risk and Legal issues. Coordinate requisition and perfection of Loan /Mortgage securities and drawdown and process drawown of mortgage advances and currency deals with FX dealers. Monitoring of mortgage and loan book for FX movements, FX limit excesses and the renewal of currency fixtures against LIBOR. Preparation of manual end of tax year mortgage statements, Start Of Contract Declarations. Monthly/quarterly accounting figures, analyzing current mortgage book figures with system reports.

Perform a range of back office processing tasks across a range of teams including new business, account opening and closing, account maintenance, remittance, cheque clearing, preparation of audit documentation and statements. Telephony and workflow duties.

Investment Advice Diploma

Cemap, Mortgage Advice

Degree, Business And Information Technology

Education record