Technical Underwriter Product Development

• Oct 2020 - Present

Technical Underwriter residential, buy to let and complex mortgages. Product development of new mortgage products to meet customers needs effectively. Love this company, the team and the job!

Supported Lodgings Provider BCP Council

• Jun 2020 - Present

Underwriter

• Oct 2019 - Mar 2020

Working from home (remote) underwriting residential and Buy to Let mortgage applications in line with responsible lending policies using over a decade’s industry knowledge of credit risk, Treating Customers Fairly and Financial Conduct Authority best practice.Making informed lending decision through use of the application information, credit files, conversations with brokers/packagers etc... I'm able to consider risk policy and any mitigation's that will offer the fairest outcome for customers and the business.Vida Homeloans is a specialist Mortgage Lender dealing with applications where there is some dependence on credit scorecards and automation but, there is still a need for manual underwriting which I excel in. My lending decisions are based on financial conditions, evolution of risk appetite and risk management and don’t simply rely on lending policies.I have a good understanding of horizon risk management and business resilience and when I joined Vida, I highlighted several areas of improvement which were supported by their Credit Risk team. Something I thoroughly enjoy is contact with the introducer community. I'm always keen to speak with those that have dealt with customers directly (if not the customers themselves), and I have had very positive feedback about how I built good relationships with several firms in the short time I was with Vida. I find this mutually beneficial in both speeding up processing and policy mitigation, getting the story behind a specialist mortgage application is key in my experience.

Senior Risk Underwriter

• Jun 2010 - Oct 2019

Mortgage Specialist

• Apr 2008 - Jul 2010