Contact information

Michael M. Naccarat

4611 Nelm Street
Hyderabad – 22102

Career objective

Looking for a challenging position of the Mortgage Underwriter in the reputed company with a view to use my wide experience for the benefit of the organization.

Skills

• Managing a portfolio of applications at once
• Acting as a sole point of contact for customers
• Learning to deal with external agents

Career Achievements

• Received several nominations from both managers and colleagues for outstanding performance, going above and beyond expectations for the role.
• Recognition from mortgage broker received by means of thank you cards.
• Worked very closely with management on systems thinking project trying to reduce the number of touches on each process. This included using complex spreadsheets designed by myself.

Experience

2008 – Present

Halifax Plc

Mortgage Underwriter

• Taking a high volume of incoming calls regarding mortgage applications and complex criteria queries.
• Ensuring I accurately entered all data to the application.
• Liaising with all relevant parties to ensure application is progressed in a timely manner.
• Maintaining applicant confidentiality and adhering to stringent security protocols.
• Adapting to business needs and changing tasks at short notice.
• Undertaking of training colleagues moving to different work areas.
• Working as part of a team to ensure a smooth running of the department.
• Accurate time management and administration duties.

2005 – 2008

Processor Portman Building Society

Senior Mortgage Underwriter

• Promoted to new key role in August 2006 to assist team leader with the supervision, development and training of a new team.
• Higher mandate holder. Authorised to approve loans outside of normal lending criteria.
• Main referral point for advice and guidance in respect of complex policy issues. Providing coaching where necessary.
• Strengthened and broadened team’s processing capacity through coaching and training which reduced task timings and improved efficiency.
• Skilled in the use of production management principles (eg work manager).
• Responsible for work allocation, analysing results, communicating results and process reviews.
• Conducted quality control function to ensure internal procedures were adhered to.

2003 – 2005

Zopa. Ltd

Position Held Senior Underwriter

• Underwrite new loan applications within lending policy and service standards
• Making manual lending decisions on all cases
• Action additional information received on ongoing cases
• Provide the highest level of customer service
• Effectively communicate with borrowers to ensure all applications are dealt with promptly
• Carry out detailed fraud prevention checks and report all fraudulent cases to CIFAS via FIND
• Maintain up to date knowledge of fraud prevention and fraud avoidance systems
• Prepare and submit monthly CIFAS reports and CIFAS Annual audit

Education

• Croydon College

GCE Maths AS & A2 (Intensive p/t 1 year course to obtain A-Level – Maths)

• RACC – Twickenham

GCSE Maths A*

• Kingston University

BSc Mathematical Sciences – Foundation Year

• UCB company in-house training & self-training

CeMap 1&2

References

Floyd P. Olivier
Manager
Wap Company.
Floyd_oliver@gmail.com

Adverstiments