I have extensive experience in the Financial Services Industry, marking my 28th year in 2024. My journey began as a school leaver with prestigious organisations like Prudential, RBS, and Bank of Ireland, where I not only achieved my financial qualifications but also gained diverse experience in roles spanning Sales & Service Quality, Training, Mortgage Underwriting, Business Development, and Advising.During my tenure at Bank of Ireland as a Business Development Manager, I was honored to receive the Sales Person of the Year award at the Mortgage Strategy Awards held at the Royal Albert Hall, an accolade voted for by the Mortgage Brokers I had the privilege of working with.In 2009, I decided to leave the corporate world to work directly with clients. Leveraging my exhaustive experience with major lenders and insurance providers, I am committed to offering a five-star service to my clients, catering to both their mortgage and protection needs.Since becoming the Principal of XL Finance Ltd in July 2016, my focus has been on ensuring that our firm continues to grow, earning high recommendations and trust, and always putting our clients first.

- Sales Achiever of the Year 2008(voted by for by Mortgage Intermediaries, then shortlisted and chosen by a panel of the mortgage industries most senior and influential peers)Account Executive / New Business Sales - Business Development Manager / Team Leader• Responsible for Independent and corporate customers Account Executive representing the West Midlands, identifying key producers within a key area, • Advising clients/B2B’s on Bank of Ireland’s on changeable criteria and products (in order for my Mortgage Brokers to give best advice to their clients)• Relationship building and sales in order to gain new business clients • Adhere and agree Commercials, SLA’s and KPI’s, FSA regulations• Organising and arranging road shows regarding mortgage and protection seminars• Arranging B2B meetings ranging from one to one independent companies to S&M size organisations• Strong presentation skills coordinating and executing high profile pitches• Role involves risk mitigation and management – recognising a profitable mortgage is key• Strong commercial recognition within the industry - knowing when to proceed with profitable, low risk business sales and when to discount bad business development• Proven track record in my industry, gaining repeat business referrals and recommendations

During 2005/06, 180% of individual target achieved, giving maximum bonus available and finishing 3rd in the NationalLeague Tables.• Head-hunted by Bank of Ireland Intermediary Mortgage and joined new position as above• Responsible for corporate business streams including - Countrywide, Legal and General, PMS and Pink • Experienced Account Executive representing the West Midlands, identifying key producers within a key area• Negotiated with Corporate Development Team, regarding key corporate accounts• Managed and developed junior phone based Business Development Manager• Advising clients/B2B’s on RBS changeable criteria and products (in order for my Mortgage Brokers to give best advice to their clients)• Relationship building and sales in order to gain new business clients • Adhere and agree Commercials, SLA’s and KPI’s, FSA regulations• Organising and arranging road shows regarding mortgage and protection seminars• Arranging B2B meetings ranging from one to one independent companies to S&M size organisations• Strong presentation skills coordinating and executing high profile pitches• Role involves risk mitigation and management – recognising a profitable mortgage is key• Strong commercial recognition within the industry - knowing when to proceed with profitable, low risk business sales and when to discount bad business development• Proven track record in my industry, gaining repeat business referrals and recommendations

• Mortgage Co-ordinator - Liasing with customers, solicitors and Prudential Bank to ensure maximum drawdowns without delay to the client• Monitoring and processing of written life/pension/investment policies to ensure staff meet their weekly targets and policies were processed on time. • Ensuring once the policies were logged and processed, Head Office issued without delay.• Compliance Officer – checking advisors letters of recommendations to clients to ensure all information is correct and relevant to the client, in accordance to FSA and PIA guidelines• Complaints Co-ordinator – logging of complaints received both written and verbal and ensuring they are logged and resolved in line with FSA guidelines and timescales.