Ritesh C Ba (Hons) Cemap Email & Phone Number

United Kingdom

Part of an integral team giving Advisors confidence that their regulatory compliance obligations are met by providing them feedback, support and guidance to keep them safe in a highly regulated sector

Birmingham Business Park, Birmingham, England, United Kingdom

Reporting to the Customer Outcomes Manager, monitoring the quality of advice given by PRIMIS Advisors and provide feedback to the Regional Compliance Managers and Area Compliance Managers or Practice Supervisors which will, in turn be used to assist in the Advisers development.• To check the quality of documentation uploaded onto the Toolbox system by the Adviser against the standards set by PRIMIS.• To ensure that the checks are undertaken and feedback documentation is produced and issued in association with the Training & Competence Scheme requirements.• To communicate and deal with queries raised in relation to client file requirements by the Regional Compliance Managers and., Area Compliance Managers and Training & Development Manager• To follow up the quality check to ensure that any development areas highlighted via the feedback has been dealt with by the Area Compliance Managers and we hold evidence to show the case as closed.• To maintain files / statistics required by the team including those held on the system.• To deal with queries from advisers in relation to the principles of Treating Customers Fairly, the sales process, Toolbox and general compliance enquiries.• To understand and promote the principles of Treating Customers Fairly in the checks undertaken.• To actively participate in the development of the team by making suggestions, highlighting improvements to process and assisting with peer training.

West Bromwich

Working in a well-established, busy, small close-knit family business. Working on cases from Adverse clients to HNW clients. Taking cases from inception to completion whilst ensuring cases are compliant and adhering to FCA.• Reviewing Credit reports and financial circumstances – Informing Client’s techniques to improve their credit score and how to reduce their debt if required.• Comprehensively searching the whole of the market to locate the most suitable mortgage products to meet Client’s requirements.• Contacting Mortgage packagers & mortgage clubs for out of the norm enquiries and for exclusive rates.• Searching and selecting conveyancers for the specific lender and updated Clients on every step of their transaction up until completion.• Liaising with fellow professionals from Legal firms, Banks/building societies, Accountants and Surveyors • Providing solutions for high street lender declines.• Delegating tasks & mentoring administration staff.• Attending seminars/events to obtain up to date market conditions and lenders insights in their future criteria.

Leicester, United Kingdom

Worked in a well-established, busy, small close-knit family business. Worked on cases from Adverse clients to HNW clients. Took cases from inception to completion whilst ensuring cases are compliant and adhering to FCA.• Comprehensively searched the majority of the market to locate the most suitable mortgage products to meet Client’s requirements.• Met with BDM’s to obtain USP’s, informing BDMs of lender’s disadvantages and discussing future changes to the lenders.• Assisted with company seminar.• Meticulously checked documents and applications.• Contacted Mortgage packagers & mortgage clubs for out of the norm enquiries.• Liaised with fellow professionals from Legal firms, Banks/building societies, Accountants and Surveyors • Provided solutions for high street lender declines.• Prepared & produced detailed individual suitability letter and reports.• Delegated tasks & mentoring administration staff.

Rugby

Initially communicated with Clients verbally (over the telephone) and Face-to-face (via walk-ins at Building society Agency) to ascertain their requirements, providing them advice. Provided a superior Customer focused service identified their requirements and matched them to their specific mortgage needs. • Fact Find – obtained all relevant information from the Client. Understood past, current and future needs of the Client. • Reviewed Credit reports and financial circumstances – Informed Client’s techniques to improve their credit score and how to reduce their debt if required.• Comprehensively searched the majority of the market to locate the most suitable mortgage products to meet Client’s requirements.• Contacted Mortgage packagers & mortgage clubs for out of the norm enquiries and for exclusive rates.• Searched and selected conveyancers for the specific lender and updated Clients on every step of their transaction up until completion.• Tailored insurances to accommodate the Client’s requirements need.• Met with BDMs to obtain USPs, discussed their advantages and disadvantages & discussed future changes to the lenders.• Posted information and news via social media (under compliance regulations)• Prepared editorials for local magazine. • Attended business networking events.• Contacted with Businesses and schools for business partnerships.

Initially spoke to Clients verbally and met them face-to-face to ascertain their requirements, provided them advice and progressed their mortgage application and related products. Provided a superior Customer focused service by identified their requirements and matched them to their specific mortgage needs. • Fact Find – obtained all relevant information from the Client. Understood past, current and future needs of the Client. • Reviewed Credit reports and financial circumstances – Informed Client’s techniques to improve their credit score and how to reduce their debt if required.• Comprehensively searched the exclusive panel of lenders to locate the most suitable mortgage products to meet Client’s requirements.• Contacted Mortgage packagers & mortgage clubs for out of the norm enquiries and for exclusive rates.• Searched and selected conveyancers for the specific lender and updated Clients on every step of their transaction up until completion.• Tailored insurances to accommodate the Client’s requirements need.• Attended Lenders seminars.• Posted information and news via social media (under compliance regulations)

Leicester, United Kingdom

Initially met with clients face-to-face to ascertain their requirements, provided them advice and progressed their mortgage application and related products. Provided a superior customer focused service by identifying their requirements and matched them to their specific mortgage needs. • Fact Find – obtained all relevant information from the client. Understood past, current and future aspirations of the client. • Reviewed Credit reports and financial circumstances – Informed client’s techniques to improve their credit score and how to reduce their debt if required.• Dealt with a range of different property types – Ex local authority, New builds, Listed and properties with commercial elements. • Comprehensively searched the whole of the market to locate the most suitable mortgage products to meet client’s requirements.• Contacted Mortgage packagers & mortgage clubs for out of the norm enquiries and for exclusive rates.• Searched selected conveyancers for the specific lender and updating clients on every step of their transaction up until completion.• Challenged surveyors for discrepancies in valuation reports if crucial. • Tailored insurances to accommodate the client’s requirements needs.• Attended Lenders seminars.• Posted information and news via social media (under compliance regulations)

London, United Kingdom

Worked closely with an experienced mortgage broker to gain practical experience of the profession. Learnt the operational essentials of becoming a self-sufficient mortgage advisor. • Understood clients requirements• Introduction and use of the Trigold sourcing system• Familiarised myself with lenders criteria• Comprehended valuation reports• Obtained relevant information for the assets from the estate agents• Contacted solicitors to obtain and chase information about the clients mortgage case.

London, United Kingdom

I managed landlord and tenant property issues by being on hand to solve a range of problems.

Cemap, Finance And Financial Management Services

Ba (Hons) Business And Technology, Business Administration, Management And Operations

Activities and Societies: Modules included: E-Business, Creative Management, Financial Markets & Services, Business Law and Economics

Hnd Computing, Computer And Information Sciences And Support Services

Modules included: Human Computer Interface, Web design, Database, Software.