Ranjit Assi Email & Phone Number

Birmingham, United Kingdom

• Responsible for the underwriting of second charge mortgage applications from receipt through to completion while adhering to all departmental policy and procedures. • This requires excellent analytical and decision making skills, the ability to prioritize workloads and be able work quickly and carefully, maintaining a high level of accuracy in my work. • Required to have a strong knowledge of the second charge mortgage market, the regulation surrounding it and all internal credit and risk policies. • Speak directly with applicants, to carry out Money Laundering and Fraud Prevention requirements, and Intermediaries to discuss all aspects of ongoing and potential new cases. This requires me to have excellent communication skills and an intricate knowledge of the department’s procedures. • Required to liaise with and refer cases to other internal departments such as Financial Crime Investigations, Credit Risk or Surveyors. • Quickly awarded an underwriting mandate and was entrusted to review more complicated referrals from Intermediaries around our criteria and deliver decisions in an empathetic, confident and knowledgeable manner. I understand the importance of developing and maintaining Intermediary relationships to assist in achieving targets. • Constantly a referral point to all colleagues and again this is due to my excellent working knowledge of our criteria and procedures. • Undertake “Day One” audits of non-mandated underwriter’s cases, delivering feedback and ensuring they meet our underwriting guidelines as part of our quality and control process.• Change Champion within my area putting me in charge of implementing and communicating any departmental changes in a clear and professional manner.

• Worked within Secured Collections managing arrears on car finance and second charge secured loans in a very competitive and target driven environment, using tailored collections strategies to mitigate losses and ensure maximum recovery of debt.• Spoke directly with customers and debt management companies to negotiate repayments and the recovery of debt. Thus requiring an extremely high level of customer service, and an intricate knowledge of financial policies and regulations.• Transferred across skills gained in previous roles to immediately become a senior member of the team, consistently hitting my targets and providing training so that others could progress.• Entrusted with additional responsibilities such as providing statistical updates to the team and ‘floorwalking’, where I effectively managed the floor to ensure maximum efficiency with our outbound and inbound call activity.• Responsible for writing the policy and procedures for my department, Paragon Bank Servicing, setting up the framework for how we deal with accounts in arrears. This again highlights my knowledge and expertise of the role.

Birmingham, United Kingdom

• Worked in debt management operations, a fast paced, target driven environment, negotiating effective repayment solutions for customers experiencing financial difficulties, meeting the needs of the customer and the commercial interests of the bank.• This required a very high level of customer service, due to the sometimes-challenging nature of a customer’s circumstances, and an intricate knowledge of the banks policies and computer systems.• Entrusted with extra responsibilities such as the training of new staff and the quality checking of plans set up by colleagues.• Performed to a consistently high standard delivering my targets and was recognized by the operations manager who awarded me with a ‘Helpful Hero’ status (a recognition of exceptional customer service).

Bachelor Of Science - Bsc, Economics

Education record