If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.
00334650
PROFILE:
Dynamic and seasoned financial professional with extensive loan underwriting and administration experience. Exceptional in evaluating loan applications, assessing risk factors, and making sound lending decisions within regulatory standards and company policies. Proficient in credit evaluation, collateral assessment, and implementing effective risk mitigation strategies. Possesses comprehensive knowledge of underwriting principles, risk assessment, and regulatory compliance. Skilled in conducting detailed reviews of loan portfolios to identify areas for improvement and drive performance. Ability to oversee loan lifecycle, from origination to closure, efficiently and accurately. Expert at managing loan documentation, co-ordinating with various stakeholders, and facilitating smooth transactions. Known for customer-centric approach and focus on operational excellence with commitment to fostering positive relationships with clients, colleagues, and regulatory bodies alike. Eager to leverage expertise in senior loan underwriting and administration to contribute effectively to progressive financial institutions.
SKILLS:
- End-to-End Lending Process Management
- Sustainable Business Growth Strategies
- Regulatory Compliance Adaptation
- Strategic Lending Initiatives
CAREER HISTORY:
2010 - Present
Financial Services
Unsecured Loan Manager & Mortgage Underwriter (2022 – present)
- Borrower Relationship Management
- Risk Management & Assessment
- Sound Lending Decision Making
- Loan Performance Optimisation
- Delinquency & Default Minimisation
- Loan Processing & Underwriting
- Loan Portfolio Management
- Financial Data Analysis
Lead establishment and maintenance of rigorous underwriting standards and continuously refining processes to optimise efficiency and slash turnaround times. Evaluate and mitigate risks associated with unsecured loans and mortgages to ensure full compliance with regulatory mandates and internal protocols. Strategically manage decrease in delinquency rates post-implementation of tighter lending rules by showcasing adaptability and strategic acumen. Conduct regular, comprehensive reviews of loan portfolios to pinpoint areas for enhancement and implement strategies to boost performance. Actively participate in Risk Committee meetings and managerial discussions focused on observing potential risks and executing precautionary measures.
- Administered transformative review of underwriting process by applying advanced risk assessment methods and reforming credit criteria as Unsecured Loan Manager & Mortgage Underwriter.
- Orchestrated high-performing loan team in meticulously assessing manual loan applications for unsecured loans & mortgages for precision, consistency, and strict adherence to lending guidelines.
- Directed team of loan administrators and underwriters by providing strategic guidance and fostering collaborative work environment to acquire collective goals.
- Supervised initiatives resulting in significant reduction in loan processing time, ultimately enhancing member satisfaction levels.
- Organised comprehensive training programme for underwriting staff to enrich proficiency in risk assessment and compliance.
- Collaborated actively with various departments to streamline processes, thereby elevating overall organisational efficiency.
- Obtained sustained monthly lending growth of 2% through strategic initiatives and effective financial management.
- Achieved 30% reduction in loan processing time by guaranteeing faster access to funds for members.
Deputy Head of Lending & Credit Control (2016 – 2022)
Performed comprehensive risk assessments on loan portfolios to adeptly identify potential issues and employ effective risk mitigation strategies. Planned and arranged tailored training programmes aimed at advancing team members' skills and keeping abreast of evolving industry best practices. Engineered streamlined lending processes to significantly improve operational efficiency and reduce turnaround times for loan approvals and disbursements. Adhered to regulatory guidelines and compliance with industry standards for maintaining company's reputation for integrity and reliability.
- Pioneered strategic initiatives leading to 20% surge in loan approvals along with upholding rigorous risk management standards, thus boosting member satisfaction, and enhancing credit union's financial stability and growth.
- Headed dynamic team of lending and recovery professionals to create collaborative and results-driven work environment conducive to exceeding organisational goals.
- Instituted proactive monitoring systems to detect early signs of distress in loans, resulting in notable downfall in overall non- performing assets.
Senior Loan Officer (2010 – 2016)
Oversaw diverse personal loan portfolios for comprehensive oversight and strategic management. Cultivated strong relationships with credit union members by offering guidance and support throughout loan process. Adapted lending practices to align with evolving regulatory requirements. Upheld high loan approval rate whilst effectively decreasing delinquencies and defaults to safeguard credit union's financial health.
- Spearheaded initiatives to substantially increase operational efficiency, mitigate risks, and foster sustainable growth for London Mutual Credit Union as Senior Loan Officer.
- Consistently surpassed monthly loan production targets by exhibiting strong performance and achievement orientation.
- Conducted meticulous financial analyses to assess creditworthiness, thereby facilitating informed lending decisions.
- Trained junior loan officers to impart expertise in lending processes and regulatory compliance.
ADDITIONAL EXPERIENCE:
Financial Services
Loan & Credit Control Officer
Financial Services
Cashier & Administrator - Volunteer/Intern
EDUCATION:
- Essential Management Skills, MTD Training specialist- accredited with Institute of Leadership & Management and CPD accreditation – 2022
- CEMAP (Certificate in Mortgage Advice and Practice), London Institute of Banking and Finance- London, 2020 Sage 50, Online course - E- careers
- Level 3 NVQ in Business and Administration, YMCA Surrey Level 2 NVQ in Business and Administration, YMCA
- European Computer Driving License Extra (ECDL Extra), IT Course - Computer Driving License – ECDL
- OCR Level 2 Business Administration, City, and Guilds
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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