Contact information

Michael M. Naccarat

4611 Nelm Street
Hyderabad – 22102

Career objective

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

Skills

• Team building Business Liaising/Support
• Mortgage advice Non-investment insurance advice
• FSA Regulation understanding Highly motivated
• Good knowledge of IT applications Customer service
• Commercial and retail insurance knowledge General manage me

Career Achievements

• Forged strong relationships with introducers and clients resulting in multiple sales and excellent client retention.
• Designed and delivered regular training sessions to other advisers within the practice to meet deadlines inception of Financial Services Authority regulation.
• Maintained an excellent grading for compliance and supervised FSA compliance visits.
• Introduced the firm to new markets in Group Medical Insurances.
• Assisted in the training and development of back office staff to provide a professional service to clients at all times in line with FSA guidelines.
• Developed a strong team culture within the firm.

Experience

Oct 04 – Present

Money Partners Limited

Mortgage Manager

• Effectively managing four teams of Underwriters in all aspects of “sub-prime” mortgage lending.
• Leading, motivating and developing the skills of the Underwriters and Team Leaders within these teams and overseeing their personal development.
• Managing strong broker relationships and expectations via personal visits and telephone support whilst ensuring that company policies and procedures are followed at all times.
• Maximizing productivity and ensuring that monthly Origination targets are met.
• Directly managing and supporting a team of on-site mortgage and secured loan underwriters based at some of the largest mortgage brokers around the UK.
• Mandated to solely approve mortgages to a maximum of 350,000. Higher amounts approved by Credit Committee.
• Fostering strong relationships with Money Partners’ funders including the day-to-day management of exception referrals for both mortgages and secured loans.
• Promoting a “Compliance Culture” within the Mortgage Department, closely liaising with the Compliance department in relation to their monthly reviews of the company’s monthly lending activities across both mortgages and secured loans.
• Providing underwriting and auditing expertise during securitizations and “Whole loan sales” covering both mortgages and secured loans.

March 00 – Sept 04

GE Money

Lending Manager

• Managing a team of five Risk Assessors in all aspects of “sub-prime” mortgage and secured loan (2nd charge) lending
• Ensuring that all aspects of the Consumer Credit Act met on all secured loan applications (approx 50% of GE’s business)
• Mandated to approve mortgages to a maximum of 500,000 and part of a Credit Committee jointly approving loans to a maximum of 1m.
• As a “Compliance Champion”, responsible for ensuring that a compliance culture became part of the day-to-day ethos of the department.
• Fostering strong relationships with our introducing brokers.
• Account manager for GE’s largest introducing broker, providing both telephone support, and visiting their offices in Cornwall on a monthly basis.
• Ensuring that lending expertise is cascaded down from the Risk Team to the Underwriting Department.

Education

• International Training Centre for Bankers, Hungary

Client risk and accounting/report analysis training

• University of Szeged, Faculty of Economics

International Business and Economics (MSc on Business and Economics)

• University of Szeged, Faculty of Engineering

BSc on Food Industry Enterprenuel Management

• Szent Istvn Chatolic Elementary and High School of Mak

Secondary School

References

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

Adverstiments