Contact information

Michael M. Naccarat

4611 Nelm Street
Hyderabad – 22102

Career objective

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

Skills

• Skilled user of computer packages such as Microsoft Word, Excel, Office and PowerPoint
• I am able to write clearly and concisely and can communicate effectively and confidently with a wide range of people
• A friendly and professional telephone manner, with very effective negotiation and interpersonal skills
• Great attention to detail with a high level of organisation
• I am able to work well individually and as a team player
• I am also willing to undergo further training, if appropriate

Career Achievements

• Successfully dealt with about up to 110 or more cases at times
• Successfully completed ongoing compliance tests and courses with top marks
• Worked very hard and efficiently under pressure to ensure that periodical targets are reached
• Always achieved top marks in all my Personal Development Reviews
• Provided on-going aid to other members of the team to reduce workload

Experience

Money Partners Limited

Manager, Mortgage Teams

2009-Present

• 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.
• Maximising 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.

GE Money

Senior Risk Assessor / Lending Manager

2005-2008

• 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

• 2001-2003

Full Autorisation in Cemap 1,2 and 3 through IFS Finance as well as company Complaisance, Terme and Conditions, General Insurance, Mortgage Protection Plans and Personal Protection plans

• 1999-2001

Diploma in Child care and Education at Preston College not fully completed due to personal reasons

• 1997-1999

King  V11 and Queen Mary Independent Grammar School where I received Eight GCSE including English Literature, English Language, Maths, German, Dual Science Award, Home Economics and Art.

References

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

Adverstiments