If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

00322975

PROFILE

A highly motivated and detail-oriented finance professional with extensive experience in credit risk management, specializing in mitigating counterparty risk across derivative and securities financing portfolios. Skilled in financial analysis, risk assessment, and compliance, I apply strong analytical and communication skills to support sound underwriting and credit decisions. With a proven ability to identify emerging risks, interpret complex financial data, and collaborate effectively with cross-functional teams and global stakeholders, I am committed to maintaining the highest standards of integrity, accuracy, and ethical conduct while contributing to sustainable business performance.

SKILLS

• Conducted in-depth financial and credit analysis to assess borrower risk profiles and support well-informed underwriting decisions.
• Applied robust anti-money laundering (AML) and compliance protocols to ensure adherence to regulatory and internal risk standards.
• Evaluated loan applications, analysed financial statements, and recommended appropriate credit limits and structures.
• Supported decision-making by identifying credit trends, cost optimization opportunities, and process efficiency improvements.
• Performed account reconciliations and maintained accurate, audit-ready financial records.
• Assisted with internal and external audits, preparing detailed documentation and analytical reports.
• Utilized financial systems and analytical tools to manage, monitor, and update credit and underwriting data.
• Collaborated effectively with cross-functional teams to deliver risk insights and ensure consistent underwriting standards.
• Provided training and mentorship to colleagues, enhancing team capability and performance.
• Delivered exceptional client service, building strong relationships, and ensuring a positive lending experience.

LANGAUGES

• English and Turkish.

CAREER HISTORY

October 2024 – Present
Banking & Financial Services
Mortgage Underwriter

• Conducted comprehensive credit analysis for loan and mortgage applicants, assessing creditworthiness, affordability, and long-term sustainability.
• Ensured full compliance with regulatory requirements and internal credit policies, promptly escalating any breaches or exceptions.
• Underwriting a range of financial products, including Residential Mortgages, Buy-to-Let, Overseas Mortgages, and Secured and Unsecured Loans.
• Monitored and maintained client portfolios, providing recommendations for restructuring or risk mitigation where necessary.
• Collaborated with Branch Management, Legal, and Financial Crime teams to ensure data accuracy and prioritise case resolution.
• Prepared and presented detailed credit assessments and client summaries for Credit Committee review and decision-making.
• Tracked Credit Committee outcomes and ensured timely reporting of any exceptions or policy deviations.
• Managed arrears and repossession processes in cases of client default, ensuring adherence to legal and ethical standards.
• Delivered training on underwriting procedures, lending policies and internal systems to beware of and existing staff.

December 2021 – October 2024
Banking & Financial Services
Credit Risk Officer

• Conduct thorough credit analysis for loan and mortgage applicants, diligently assessing creditworthiness, affordability, and sustainability. Ensure strict compliance with local and national policies, promptly reporting any breaches or deviations.
• Specialised in handling various financial products, including Buy to Let, Overseas Mortgages, and Secured and Unsecured Loans.
• Proficient in utilising IT skills and company software to efficiently process and award approved loans and mortgages to clients.
• Regularly review and maintain client accounts, providing recommendations for necessary changes when appropriate.
• Collaborate closely with the Team Leader, Branch Manager, Legal Team, and Financial Crime Unit to ensure data accuracy and meet prioritisation targets.
• Actively participate in Credit Committee meetings, meticulously organising and preparing client data such as credit score reports, credit history, and loan records to present concise briefs.
• Track and monitor Credit Committee decisions, promptly reporting any exceptions or breaches that may arise.
• Managing repossession processes if the client is unable to commit to their agreement.
• Training staff in the field of lettings and loans both in methodology and internal systems.
• Carrying out periodic CDD reviews of current clients.

November 2019 – December 2021
Banking & Financial Services
Relationship Manager

• Ensure strict adherence to KYC and AML protocols, effectively managing compliance procedures.
• Held the position of Retail Relationship Manager at a Banking Organisation, engaging in face-to-face interactions with Financial Institutions (FIs).
• Demonstrated expertise in account openings, monitoring daily customer transactions, and managing various financial activities, such as currency exchanges, transfers, and FTD accounts.
• Focused primarily on High-Net-Worth Individuals (HNWI), often handling accounts of Politically Exposed Persons (PEP).
• Maintained unwavering commitment to security and transparency by consistently upholding protocol and procedure compliance.
• Provided valuable customer advisory services on both personal and business financial development plans.
• Met bank targets and requirements in a timely and efficient manner.
• Skillfully handled customer complaints and maintained positive customer relations.
• Proficiently managed till services, encompassing customer instructions, cash withdrawals, and deposits.
• Carrying out periodic CDD reviews of current clients.
• Collaborated effectively with multiple departments, including Financial Crime Unit, Compliance, Operations, Accountancy, Treasury, and IT departments.
• Contributed personal insights and adjusted the official banking website.
• Demonstrated creativity and initiative by creating forms for customer mortgage applications, loans, and account openings.
• Actively participated in joint projects with the head of Retail Banking, head of Financial Planning, and Branch Manager to drive Business and Brand Development.

EDUCATION

September 2014 – 2017: University
B.A Degree in Graphic Communication Design

September 2012 – 2014: Further Education College
BTEC Level 3 in Interactive Media

Foundation Level Interactive Media.

BUSINESS DEVELOPMENT – PROJECTS

Banking & Financial Services – Website Development

• Led the end-to-end development of the current banking website, designing the layout, selecting visuals, and curating supporting documents such as tariffs and PDFs.
• Authored clear, client-focused content across multiple banking products, translating complex financial information into accessible messaging.
• Collaborated closely with Compliance and Legal teams to ensure all content, PDFs, and imagery adhered to regulatory standards and internal policies.
• Coordinated with internal stakeholders across marketing, IT, and product teams to ensure brand consistency and seamless user experience.
• Oversaw quality assurance and final approval processes, ensuring that website content and design aligned with strategic business objectives.

Banking & Financial Services – Residential Mortgage Product Development

• Spearheaded the development and launch of a new residential mortgage product at the branch, managing all stages from initial concept to market rollout.
• Worked closely with Compliance and Legal teams to draft lending criteria, underwriting policies, and Sales team checklists, ensuring regulatory compliance and operational efficiency.
• Expanded the branch panel of solicitors, mortgage advisors, and valuation firms to strengthen product delivery and client service.
• Designed process workflows and documentation to streamline underwriting, sales, and post-approval procedures.
• Conducted ongoing reviews and refinements of product policies and processes, incorporating feedback from internal teams to improve client experiences and operational effectiveness.

References Available Upon Request

If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

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