Responsible for underwriting new bridging loan applications.

Responsible for the quality of the mortgage lending for LMC, Bridging Finance Ltd and Auction Finance Ltd. Key elements of the role involve underwriting commercial applications in excess of £1m and all development applications, identifying sources of potential fraud within the application process and putting necessary controls in place, making changes to the policies and procedures and providing training and coaching to staff, monitoring and auditing of completed applications to ensure adherence to policy and regulations, providing feedback to the business as regards regulation and to consistently improve the process to ensure adequate controls are in place whilst meeting all TCF requirements. I also build and maintain key working relationships with brokers, solicitors, valuers and accountants and other 3rd parties.Key Achievments:Designed and delivered a new workflow system into LMC.Training and development of the commercial underwriters to improve their knowledge of assessing the risks inherent with a mortgage application, adherence to policy and regulation and the level of customer service.Introduction of a new underwriting policy and procedures manual into the business to formalise the process and ensure all AML requirements are met on every application.Designed and introduced a valuers panel for the lending companies ensuring every firm adheres to a legal agreement and relevant PI policies are in place.Act as a coach and mentor for the case underwriters and processors that has lead to improvements in their knowledge and skills.Achieved lending targets for the companies whilst also increasing the quality of the completed applications.

Responsible for leading, managing, training and motivating a team of underwriters and processors to process residential and commercial mortgage applications to completion. Reviewing and approving mandate levels for underwriters to control the quality of the Society's mortgage book. Responsible for the quality of the mortgage lending for the Society to ensure bad debt is kept to a minimum and within required limits. Preparing high value lending proposals for Board approval.Proven track record to deliver the Society's lending targets ensuring all accounts adhere to FSA regulations. Personal mandate for residential and commercial application of £500,000 and joint mandate of £1M.Key Achievements:Ownership of the Society's Lending Policy - undertaking 6 month review and producing a paper for approval by the Board membersDelivered major changes to the Society's application form, HLC arrangements, solicitor and valuers panelsBuilt strong working relationships with key broker contacts and other professionals in order to secure future business and to be the main contact point to discuss deals and enquiriesInvolvement in several mortgage book acquisitions and due diligence exercisesInvolvement in product production and launchesI have become an integral member of the senior management team with involvement in the decision making process for all commercial applications, high value residential applications and several development finance applicationsThe formation of a completely new processing team and the introduction of case ownershipThe development and training of the underwriting team into a highly motivated and knowledgeable teamInvolvement in several successful mortgage book acquisitions

based in Stockport and SkelmersdaleOperating within a financial service organisation managing a team of 14 lending consultants to provide lending expertise and support to the mortgage unit across 2 sites. Coaching fellow team managers and Customer Service managers to improve their lending knowledge and support them in their decision making. Communicating risk policies to all levels of management to ensure they understand the information and how it impacts the business , their teams and their roles.Representing the department on strategic bank-wide projects and credit risk meetings which included new product launches and credit scoring. Undertake monthly reviews with the team members to ensure that they achieve their individual targets and KPI's. Responsible for the quality of the mortgage lending for the unit and to ensure bad debt is kept within set limits. Reviewing high value lending proposals and recommending whether to offer the case, balancing risk 'v' reward.Key Achievements:Set up a mortgage processing area to process all mortgage applications to completion, including producing all the processes and procedures, interviewing and recruiting the individual team membersBecame the main contact point for the unit with all third parties including intermediaries, solicitors, valuers and system providersProducing improvements to the credit and property risk policies and proceduresKey member of the 'Rome' project that successfully integrated the mortgage businesses of the Bank and CISSuccessfully completing all 3 Cemap papers within 12 months of joining the unit

based in Stockport and SkelmersdaleManaging a team of 23 data analysts across two sites to produce accurate management information for all business areas, to monitor the 'real-time' picture for the Bank, as regards call levels, and to make decisions to ensure the call centres achieve their customer service objectives. Responsible for the communication of the call centres results to all level of management to ensure the information is used to motivate their teams to achieve their KPI's. Coaching fellow team managers to improve their knowledge and support them in achieving their team targets. Responsible to develop my team and ensure the individuals meet their objectives by carrying regular monthly reviews. Continually assessed current working procedures and made small-step improvements and to act as the referral point for all management information.Key Achievements:Represented personal customer services on strategic bank-wide projects including the 'Big Number' project that achieved all its objectives for the telephone number changesStreamlining and improving processes on the team by incorporating new databasesImplementing and delivering several internal and external courses

Managing a sales team to achieve the branch sales targets. Coaching and training the team to meet their individual sales and service targets, whilst providing the highest standard customer service. Dealing with all HR issues and ensuring staffing levels are acceptable on a daily/weekly basis. Interviewing customers to create new business by selling mortgages, insurance, personal loans and other Bank products. Responsible for the overall security of the branch premises and the staff.Key Achievements:Involved in the setting up of a new appraisal scheme for the staffGaining a place on and successfully completing the 2 year Accelerated Development ProgrammeImproving the sales and service performance of the branch