Senior/Lead consultant for mortgage portfolio, business & client acquisition and remediation strategies.

Certified Person (CerP) acccountable for remediation, quality assurance, complaint management and training.

Currently consulting on strategic group projects.

A senior banking professional currently based in Nottingham with significant and proven experience of Mortgages & Secured Lending for global & innovative banks resulting in award-winning mortgage products. Using strong commercial awareness I am able to develop, lead and motivate diverse teams to design and implement strategies to support or expand overall corporate requirements. Particular skills demonstrated across product design & implementation, regulatory compliance, campaign management… Show more A senior banking professional currently based in Nottingham with significant and proven experience of Mortgages & Secured Lending for global & innovative banks resulting in award-winning mortgage products. Using strong commercial awareness I am able to develop, lead and motivate diverse teams to design and implement strategies to support or expand overall corporate requirements. Particular skills demonstrated across product design & implementation, regulatory compliance, campaign management, operational management, divestitures, outsourcing and liquidation activities.Available for permanent & interim roles that draw on the knowledge & expertise gained to drive successful lending businesses. Key skill areas:• Making sense of complexity/analysis• Crisis management• Development, proposal & implementation of customer-focused solutions• Reasoned decisioning• Innovative product development• Stakeholder management & strategic partnershipsKey Achievements:• Establishment of new mortgage lender within Capita structure ensuring robust risk management in place.• Successful sale, transitional management and migration of Egg Mortgage portfolio to Yorkshire Building Society. Targeted liquidation initiatives/asset reduction schemes of Future Mortgages & CitiFinancial portfolios with divestiture of the portfolios at prices favourable to market standard.• Ground breaking and complex outsourcing of Future Mortgages Limited operations and transfer of legal title to a third party eliminating internal infrastructure requirements whilst ensuring compliance.• Launch of innovative Shared Appreciation Mortgage, Base Rate Tracker & Flexible Mortgage Solutions securing increased customer sales & satisfaction with positive P&L and capital impact.• Identification, development & implementation of complex Consumer Credit Act remediation project resulting in account restructuring, high levels of customer satisfaction & avoiding probable regulatory censure & reputational risk. Show less

Accountable for establishment, implementation & ongoing management of governance, risk & compliance controls for new in-house lender, Rooftop Mortgages Limited following transfer from JP Morgan.Reporting to the Rooftop Mortgages Board I was responsible for the management & oversight of the outsourced mortgage operation with Capita Mortgage Services & Capita Mortgage Administration to ensure compliance with the Rooftop lending, compliance & risk policies.

Accountable for effective business management & wind down of remaining Citi Holdings United Kingdom lending businesses including effective liquidation/divestiture programs and robust compliance management.

Accountable for the business management and strategic development of the Egg Mortgage & Prudential Banking Mortgage portfolios across all areas except Credit Risk. Other specific requirements for net profit, compliance, and operational risk.

Accountable for the development of competitive & robust products to increase market share, customer satisfaction and net income. Additional responsibilities include leading business MI function, marketing, strategic & tactical planning activities, consultant to the wider business & media spokesman on mortgage market related issues.