If you are interested in this candidate, please contact Charlie Watson via email cwatson@cerfinancial.co.uk or call on 0207 626 6065.

00189280

PROFILE:

A highly competent, motivated, and enthusiastic individual with experience of working as part of a team in a busy environment. Approachable, well presented, and able to establish good working relationships with a range of different people. Possessing a proven ability to generate innovative ideas and solutions to problems.

SKILLS:

• Able to develop and maintain excellent working relationships with clients
• Diligence
• Project Management
• Organised
• Analytical
• Initiative-taking.
• Integrity and teamwork
• Enthusiastic and keen to learn new skills.
• Strong organisational and relationship management skills
• IT Proficiency: Microsoft Office, Windows, Internet, and Email

EDUCATION:

Level 4 DipFA (IFS) - Obtained 2015 - Self studied and funded.

CeMAP - Obtained 2016 - Self Studied and funded.

2009: University

Economics degree, BSc Hons 2:1 classification

St. Angela’s Sixth Form Centre Secondary Education

3 ‘A’ Levels: Economics (A), Psychology (B) and Chemistry (C)

Secondary School

11 GCSE’s A-C passes including English (A*), Mathematics (A), Business Studies (A*)

CAREER HISTORY:

October 2023 – Present

Banking

Central Loans Administrator

Property Lending & Structured Finance

• Setting up new customers on Equation
• Opening accounts and recording commitments
• Drawdowns/Rollovers/Rate Fixings
• Maintenance of Equation records

Commercial Lending Finance

• Commercial loan drawdowns
• Commercial loan redemptions
• Commercial loan rollovers/ rate switch
• Statements

Residential Mortgages (including Manzil and Retail)

• Setting up new customers on Equation
• Opening accounts and recording commitments
• General post-offer enquiries (solicitors, brokers and customers)
• Checking Title Deeds ensuring all registration requirements are met both in the UK and Overseas
• Drawing down new mortgages, further advances, retentions
• Diarising post completion mortgage conditions and ensuring they are met.
• Providing Redemptions figures/Part Redemption figures ensuring LTV limit is not breached
• Approval of risk by way of credit amendment
• Fully redeeming loans and releasing security
• Updating mortgage application system
• Statement generation, review and dispatch
• Arrears monitoring, production of monthly arrears report
• Instructing solicitors to commence possession proceedings, providing arrears schedules
• Annual Islamic rate review and dispatch of statements and letters to customers
• Systems Used
• Equation, Mortgage Application System, Citrix, Excel, Word.

March 2022 – September 2023

Banking

Senior Personal Banker

• Proactively support customers, helping them realise the full benefits of our service through our digital channels, as well as helping them with more complex financial needs such as home buying and protection.
• Meeting and supporting customers via video banking from home or face to face in a branch.
• Conducting Financial Health Checks and reviewing customer accounts
• Identifying products and services that are right for our customers, helping them to make the most of their money and savings.
• Identifying opportunities to help customers with more complex needs such as mortgages, private banking, business banking and protection
• Completing outbound care calls to customers to grow and maintain the relationship.

November 2021 – February 2022

Mortgages

Mortgage Adviser

• The whole of market mortgage adviser.
• Maintained regular contact with Clients throughout the full Mortgage Process
• Conducting mortgage applications remotely
• Carrying out Credit checks
• Uploading and verifying all ID and income proof documents
• Dealing with Mortgage related Complaints and Queries
• Liaising with Conveyancers and the Mortgage Underwriters/Case Managers
• Providing feedback in how to streamline the mortgage process and system used
• Diary Management
• Taking outbound and Inbound calls and helping clients with their mortgage needs
• Outbound calling existing clients whose mortgage deals are ending.

March 2021 – August 2021

Banking

Senior Associate Case Manager – BTL

• Package a case with required documents and information in line with the banks policy requirements, prior to being underwritten.
• Liaising with customer / brokers / BDMs to ensure that the requisite documents are made available to the Bank credit assessment.
• Liaising with Underwriters, CAD to ensure that brokers are kept aware of the case status and ensuring smooth customer journey.
• Conduct various credit searches on applicants as per policy.
• Review and evaluate credit reports.
• Proactively manage a pipeline of cases.
• Support in reporting and MI to the management.
• Liaising with valuers and external vendors e.g., BEP, LMS, Experian, Connells, for any queries etc to ensure successful completion the loan application.
• Manage and support queries from Valuers, Solicitors, Brokers, and Branch Managers.
• Ensure cases are smoothly moving from offer to completion.
• Support on satisfaction of legal conditions of the mortgage offer in line with the Banks’ lending policy and case requirements.
• Oversee the release of completion funds to make sure the transaction completed smoothly.

October 2016 – August 2019

Banking

Mortgage and Protection Consultant

• Provided Mortgage and Mortgage Protection Advice to Clients
• Regulated by FCA and PRA
• Adhere to AML, KYC, TCF and GDPR processes.
• Gave advice on Life Insurance, Critical Illness Cover
• Non-advised Home Insurance applications completed.
• Managed Mortgage business for 5 Branches
• Trained new mortgage advisers within the Organisation.
• Maintained regular contact with Clients throughout the full Mortgage Process
• Conducting Branch meetings to help generate new Mortgage business.
• Conducting mortgage applications face to face and over the phone.
• Carrying out Credit checks
• Uploading and verifying all ID and income proof documents
• Dealing with Mortgage related Complaints and Queries
• Liaising with Conveyancers and the Mortgage Underwriters
• Providing feedback in how to streamline the mortgage process and system used
• Diary Management
• Outbound calling existing clients whose mortgage deals are ending.

INTERESTS:

I enjoy reading the Business news pages on the BBC website and articles in the Financial Times. I am a huge sports fan and take part in regular sporting activities such as 5 a-side football, cricket, and tennis. I am also a keen traveller, I have recently come back from my trip abroad in Paphos, Santorini, Paris, and Geneva.

References Available Upon Request

If you are interested in this candidate, please contact Charlie Watson via email cwatson@cerfinancial.co.uk or call on 0207 626 6065.

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