Adam Newstead
Nottingham,UK
Summary
A skilled professional in Residential Mortgage Underwriting, adept at Affordability & Income Assessment and Credit File Analysis & Risk Awareness. Demonstrates expertise in Documentation Review & Verification, ensuring FCA & GDPR Compliance while managing cases with high accuracy and efficiency. Excels in Broker & Customer Communication, delivering timely results and maintaining strong relationships. Committed to advancing career goals through continuous improvement and excellence in service delivery.
Overview
10
10
years of professional experience
Work history
Mortgage Underwriter (Residential)
Santander UK Plc
2025.01 - 2025.10
- Underwrote residential mortgage applications according to Santander lending policy and FCA regulatory requirements.
- Assisted in assessing affordability by reviewing income, expenditure, credit reports, and supporting documentation.
- Verified customer evidence including payslips, bank statements, proof of deposit, and credit file data to ensure adherence to lending criteria.
- Supported assessment of self-employed applications using SA302s, tax calculations, and business accounts.
- Facilitated compliant lending decisions by providing thorough justification and maintaining accurate audit trails.
- Collaborated with brokers, customers, and internal departments to resolve case queries and progress applications.
- Managed pipeline of applications, consistently meeting SLAs and upholding quality standards.
- Ensured compliance with risk controls and regulatory requirements consistently.
Customer Service Administrator
Santander UK Plc
2022.01 - 2025.01
- Responded to customer queries professionally and efficiently, ensuring strong service delivery.
- Processed mortgage-related transactions efficiently through email and written correspondence, ensuring timely responses to customer needs.
- Updated customer records accurately and ensured documents were stored correctly in line with GDPR requirements.
- Assisted wider team with workload management, enhancing overall operational efficiency.
Assistant Sales Manager
Betfred
2021.03 - 2022.01
- Supervised a team of four in a fast-paced betting office, ensuring smooth daily operations.
- Managed cash handling, fund transfers and customer transactions with strong attention to detail.
- Calculated and settled bets efficiently during peak periods, maintaining accuracy under pressure.
- Ensured compliance with GDPR, licensing regulations and responsible gambling policies.
- Supported staff training and performance monitoring to maintain high service standards.
Retail Shop Manager
Ladbrokes Coral Group
2017.12 - 2021.03
- Led a team of three within a licensed retail environment, achieving daily and weekly KPIs.
- Delivered coaching and training to improve team performance and maintain compliance standards.
- Managed large cash volumes and ensured accurate financial record keeping.
- Ensured adherence to licensing laws and safeguarded customers through responsible gambling processes.
- Maintained excellent customer service standards in a busy and regulated environment.
Bar Supervisor
Diya Royal Plc
2016.07 - 2017.11
- Supervised bar staff and supported the smooth running of a busy hospitality venue.
- Managed cash flow and till operations, ensuring accurate handling of transactions.
- Provided leadership and support during high-pressure peak service periods.
- Maintained high standards of customer service and professionalism.
Customer Service Assistant
Lidl
2015.06 - 2016.07
- Delivered friendly and efficient customer service, supporting a positive in-store experience.
- Assisted with stock replenishment, merchandising and general store upkeep.
- Processed customer transactions accurately and efficiently at checkout.
- Supported promotional activity and maintained strong product knowledge.
Skills
- Residential Mortgage Underwriting
- Affordability & Income Assessment
- Income review
- Credit File Analysis & Risk Awareness
- Documentation Review & Verification
- FCA & GDPR Compliance
- Case management
- High Accuracy Administration & Data Handling
- Time Management & SLA Delivery
- Broker & Customer Communication
References
References available upon request.
Timeline
Mortgage Underwriter (Residential)
Santander UK Plc
2025.01 - 2025.10
Customer Service Administrator
Santander UK Plc
2022.01 - 2025.01
Assistant Sales Manager
Betfred
2021.03 - 2022.01
Retail Shop Manager
Ladbrokes Coral Group
2017.12 - 2021.03
Bar Supervisor
Diya Royal Plc
2016.07 - 2017.11
Customer Service Assistant
Lidl
2015.06 - 2016.07