Senior Underwriter

Education/Qualification

• 2017    CeMAP 2 and 3
• 2016    CeMAP 1
• 1988    Hyde Sixth Form College
• 1985    Leigh Girls High School

Systems used

• Microsoft Word and Excel (advanced)

Current Employer – Property Finance
Position – Underwriter
Dates – April 2024 – Present

Current Employer – Financial Institution
Position – Underwriter
Dates – April 2021 – July 2024

Current Employer – House Crowd Finance
Position – Senior Underwriter
Dates August 2019 – March 2021

• To professionally assess all cases from our brokers in a prompt and timely manner to make informed underwriting decisions that are in line with company policies, procedures and lending criteria to minimise the risk to the business with a strong focus on fraud avoidance
• Complete due diligence on the Borrower including using Google, Credit Score, Verify, HMT Sanctions. Insolvency Register, Bankruptcy checks for individual clients and Companies House searches, Charges Register, Listed Shareholders/ Directors if a Ltd Company
• Review all documents provided for due diligence – including bank statements, SA302, ID, POR, Schedule of Works and Costs, Development Appraisal, Marketing Reports, Assets and Liabilities Statements, Mortgage Statements, Company Accounts
• Assess the risks of the asset in an application ensuring that project is viable and that the LTV/LTGDV is genuine and acceptable by using different platforms for sales/ rental comparable to ensure estimated value is correct.  Review Local Authority planning portal to ensure planning permission has been granted for proposed project where necessary
• Complete Initial Terms Letter/DIP to confirm rates, loan amount, term, fees, conditions precedent and confirm valuation costs
• Instruct valuation ensuring specific instructions relevant to the security property is relayed to the surveyor. (eg: development project, HMO, conversion, block/portfolio lend)
• Review valuation, confirming the value of the security is uncompromised for lending purposes.  Request any recommended reports are obtained where necessary
• Instruct Solicitor once signed DIP received and due diligence complete
• Liaise with Solicitor to issue Legal Documents and pre-loan enquiries once initial undertaking is received
• Complete Internal Credit Reports
• To professionally assess all cases from our brokers in a prompt and timely manner to make informed underwriting decisions that are in line with company policies, procedures and lending criteria to minimise the risk to the business with a strong focus on fraud avoidance
• Complete due diligence on the Borrower
• HMT Sanctions. Insolvency Register, Bankruptcy checks for individual clients and Companies House searches, Charges Register, Listed Shareholders/ Directors if a Ltd Company
• Review all documents provided for due diligence – including bank statements, SA302, ID, POR, Schedule of Works and Costs, Development Appraisal, Marketing Reports, Assets and Liabilities Statements, Mortgage Statements, Company Accounts
• Assess the risks of the asset in an application ensuring that project is viable and that the LTV/LTGDV is genuine and acceptable by using different platforms for sales/ rental comparable to ensure estimated value is correct.  Review Local Authority planning portal to ensure planning permission has been granted for proposed project where necessary
• Complete Initial Terms Letter/DIP to confirm rates, loan amount, term, fees, conditions precedent and confirm valuation costs
• Instruct valuation ensuring specific instructions relevant to the security property is relayed to the surveyor. (eg: development project, HMO, conversion, block/portfolio lend)
• Review valuation, confirming the value of the security is uncompromised for lending purposes. Request any recommended reports are obtained where necessary
• Instruct Solicitor once signed DIP received and due diligence complete
• Liaise with Solicitor to issue Legal Documents and pre-loan enquiries once initial undertaking is received
• Complete Internal Credit Reports
• Liaise with brokers and solicitors for accurate case updates at all points in the process
• Provide a high level of customer service at all stages of an application
• To proactively manage a pipeline of cases
• Cultivate and maintain relationships with introducers and brokers
• To ensure that all regulatory requirements are adhered to throughout the process
• To supervise loans through to redemption and help minimise default rates and work with Borrowers who are experiencing difficulties
• Liaise with Solicitors and Receivers when possession proceedings are implemented and are ongoing

Current Employer – Loan Provider
Position – Underwriter
Dates October 2016 – April 2019

• Review New Enquiries from Sales Team
• Complete initial due diligence including review of Land Registry, Credit Search and Companies House if necessary
• Contact client to complete Fact Find to ascertain client’s needs, discuss information on credit search, Land Registry and Companies House if necessary
• Review panel of Lenders to match client’s needs with lender’s criteria
• Complete advice and recommendations with the client and confirm if happy to proceed on this basis
• Issue ESIS, Fact Find with Advice and Recommendations and all Lender’s documents to the client with confirmation of the additional required information
• On receipt of signed documents, request 2nd Charge consent, Mortgage References, Freeholder Pack information and any Secured Settlement Letters when necessary
• Instructed a valuation in accordance with the Lender’s requirement
• Confirmed with client if any outstanding required documentation and keep them updated on progress from Third Party Companies
• Reviewed Third Party information to ensure meets the Lender’s criteria
• Package full case and submit to the Lender on receipt of all documents, including Bankruptcy Searches and Priority Charge Notice
• Liaised with the Lender and client to ensure all requirements have been fulfilled and the case is progressing to security calls and binding offer documents being issued
• Issued offer documents to the client. Speak to the client to ensure documents are correctly completed and returned direct to the Lender
• Confirmed the signed binding offer documents have been received by the Lender and all final Third-Party checks have been complete
• Confirmed to the client the case has funded

Current Employer – Property finance
Position – Underwriter
Dates – October 2015 – September 2016

• Reviewed New Enquiry from BDM/Broker
• Reviewed Land Registry for Security property, Residential property and all property contained on Asset and Liability Statement
• Completed Client due diligence to build-up a picture of the borrower, using Google, Insolvency Register, Companies House, Charges Register, Bankruptcy Search, Credit Safe
• Completed Asset due diligence using different platforms to ensure estimated value is correct

• Completed Initial Terms Letter to confirm rates, loan amount, term, fees and outstanding information required and confirm valuation costs.
• Completed client authorisation for 2nd Charge Consent and Freeholder information pack when necessary
• Instructed valuation ensuring specific instructions relevant to the security property is relayed to the surveyor. (eg: development project, HMO, conversion, block/portfolio lend)
• Reviewed evaluation, confirming the value of the security is uncompromised for lending purposes Request any recommended reports are obtained
• Reviewed information provided to confirm the validity of the documents provided and to ensure Lending Criteria is uncompromised (eg: ID, POR, Bank Statements, Credit
• File, Current Mortgage Statement, Schedule and Cost of Works, Contractor information) Ÿ Issue Offer Letter and Instruct our Asset Manager to meet the client at the security
• Instructed Solicitor once signed Offer received. Send out Pre-Loan Enquiries in draft form to the Clients Solicitor
• Reviewed file with in-house lawyer who liaises with the solicitors from both sides.
• Liaised with the broker and client throughout the process. Ensure the client is aware when Legal documents are ready for signing
• Reviewed buildings insurance provided for completion, ensuring relevant perils are in place
• Complete file review with Credit prior to Funds being authorised for completion
• Complete internal file scan and pass file to Credit Control
• Undertake initial enquiry case review with BDM’s to confirm acceptance of cases on a daily basis

Current Employer – Bank institution
Position – Underwriter/ Legal Underwriter
Dates – November 2013 – October 2015

• Reviewed New Enquiry cases received from the BDM’s to produce a conditioned offer
• Reviewed the Security property, Residential property and a selection of properties from portfolio on Land Registry
• Completed due diligence on the client
• HMT Sanctions. Insolvency Register, Bankruptcy checks for individual clients and Companies House searches, Charges Register, Listed Shareholders/ Directors if a Company lend
• Reviewed documents provided for due diligence – including bank statements, SA302, ID, POR, Schedule of Works and Costs, Assets and Liabilities Statements, Mortgage Statements, Company Accounts
• Completed due diligence on the Asset using Google Maps Street view, Google Earth
• Instructed valuations and review the reports when received
• Obtained client authorisation and request Consent to 2nd Charges from current Lenders and Freeholder Information packs
• Liaised with clients and brokers to ensure they are fully informed on their case
• Instructed Solicitors and liaise with client’s solicitor and/or Vendor’s solicitors when necessary to ensure a smooth process to completion
• Draft, review and authorise internal Treasury Documents (Funder Finance Documents)
• Reviewed and approved draft Facility Documents (Facility Letter, Legal Mortgage, Sub-
• Charge, Debenture and PG) for Directors signatures before being sent to the client’s solicitor for execution
• Completion of Internal Funder Documentation for funds sign off
• Liaised with Credit Control once completed with details of any Condition Subsequent
• Scanned all documents onto the internal system and return any original documents remaining on file

Current Employer – Administration Company
Position – Relationship Manager
Dates – February 2011- October 2013

• To gain contact with customers whose account has fallen into arrears to determine when the account will be brought up to date
• To conduct counselling sessions with customers to ensure their understanding of the HP agreement
• To review income and expenditure of customers whose financial circumstances have changed, with a view to making changes to the original agreement, where necessary
• To calculate weekly targets, for customer numbers and dues, inline with company standards
• To write off accounts into Debt Recovery and issue Final Default Notices where applicable, according to company standards
• To complete the Part-Payment Report on a daily basis, ensuring all the relevant documentation has been completed on accounts where a full renewal payment hasn’t been made
• To complete any necessary paperwork on accounts which need a payment freeze or reschedule completing

Current Employer – Retail Company
Position –Stock controller
Dates – July 2008 – February 2011

• Completed daily scheduled counts to ensure stock holding is correct
• Completed investigations on shrinkage of stock holding
• Investigated daily out of stock lines and overstocked lines
• Reviewed stock capacities
• Discontinue no longer stocked lines
• Remerchandise stock where necessary
• Ordered promotional stock
• Ensured ex promotions are reviewed and adjusted where necessary
• Completed Direct Delivery paperwork and update systems
• Completed daily and weekly consumables count

Current Employer – Non-profit Organization
Position –Stock controller
Dates – July 2008 – February 2011

• Underwrite packaged applications criteria to a £350,000 personal mortgage underwriting mandate and to £500,000 with a secondary signature
• Give advice to packagers to ensure applications are acceptable to our Lending Criteria
• Review mortgage applications to ensure documentation received matches information given
• Review the Valuation Report, ensuring the property to be mortgaged is acceptable to the Lender and any recommendations are followed or made a condition of the offer
• Input data from the mortgage application onto the in-house system
• Produce mortgage offers on fully packaged applications within a 24-hour time frame
• Produce mortgage offers on resubmitted mortgage applications within a 48-hour time frame
• Verify all mortgage conditions have been met and carried out by specifically qualified trades
• Ensure the Certificate of Title has been completed correctly and signed by authorised personnel
• Input mortgage completion information onto in-house system and forward the CoT to the completions Team in Head Office for funds release

Current Employer – Mortgage and Loan Provider
Position – Account Manager: Unpackaged Department
Dates – July 2003 – February 2004

• Review applications from the sales team to calculate the maximum loan and APR offered
• Liaise with the broker to obtain all relevant documentation to proceed the application
• Carry out employment checks
• Carry out Land Registry checks to ensure correct Title information
• Produce a Loan Agreement and forward to the Broker for signatures
• Review the application and the Loan agreement with the customer to ensure they understand the implications of the Secure Loan
• Pass for Funds Release

Current Employer – Loan Provider
Position – Mortgage Underwriter
Dates – January 2001 – July 2003

• To produce mortgage offers on a prime basis for Woolwich/Barclays branches, brokers and packagers, with a personal Mortgage Mandate of £500,000
• Complete Income and Expenditure from application to ensure maximum loan available
• Review the Valuation Report, ensuring property is acceptable to Woolwich criteria and any recommended reports and made a condition of the Mortgage Offer
• Input the information onto the Woolwich systems
• Perform a Credit Check, using the Experian system
• Review the credit check, where necessary, to ensure all Woolwich criteria has been met
• Liaise with Brokers to ensure all relevant documentation required is obtained
• Produce Mortgage Offer.
• Work within Completions Department, to ensure all Mortgage Conditions are met
• Check Certificate of Title has been received and signed by the correct personnel
• Complete information on Woolwich systems and request Release of Funds

Current Employer – Government Department
Position – Customer Assistant
Dates – December 1999 – January 2001

Current Employer – Retail Company
Position – Customer Assistant
Dates – August 1995 – December 1999

Current Employer – Retail Company
Position – Assistant Manager
Dates – February 1992 – August 1995

Current Employer – Chemist
Position – Dispensing Assistant
Dates – March 1989 – November 1990