Ajeesh Thomas
Bedford,Bedfordshire
Summary
Accomplished professional with extensive expertise in financial regulations and underwriting principles. Demonstrates proficiency in risk analysis and a deep understanding of FCA regulatory guidelines, lending criteria, and mortgage regulations. Committed to ethical practice and confidentiality assurance, with a strong grasp of insurance policies and financial documentation review. Adept at navigating regulatory changes to ensure compliance and optimise lending processes.
Overview
4
4
years of professional experience
2
2
years of post-secondary education
Work history
Director & Mortgage Advisor
Icon Mortgage Associates
Bedford, Central Bedfordshire
2023.03 - Current
- Simplified complex financial terms for better client understanding.
- Explained payment terms and conditions for loans, offering one-on-one appointments for clients with complex loan needs to aid understanding.
- Provided exceptional level of customer service at all stages of mortgage loan process.
- Provided additional advice and guidance on buildings cover and life insurance.
- Processed and underwrote loans, verifying consistent regulatory compliance with financial laws in all documention to maximise chance of approval.
- Drove a culture of continuous improvement by establishing KPI metrics across all sales operations.
- Analysed financial statements to identify client viability and risk.
- Reviewed and submitted applications to management with recommendations.
- Issued official approval and rejection notices within allowable limits and in line with institutional risk profiles.
- Built positive relationships with lenders to achieve optimal client deals.
- Monitored financial markets to recommend suitable client products.
Mortgage advisor
ARKKE CAPITAL LTD
Newport, Cardiff
2022.10 - 2023.03
Mortgage advisor
SESAME BANKHALL GROUP
Sale, Trafford
2021.12 - 2023.03
Education
CeMap - Financial regulations and advice practice
London Institute of banking and finance
London 2019.01 - 2020.11
Skills
- Knowledge of fca regulations
- Lending criteria application
- Ethical practice
- Underwriting principles knowledge
- Risk analysis proficiency
- Insurance policies understanding
- Confidentiality assurance
- Knowledge of lending regulations
- Mortgage regulations understanding
- Financial documentation review
- FCA regulatory guidelines familiarity
- Understanding regulatory changes
- Mortgage product knowledge
Languages
English,Hindi
Fluent
Timeline
Director & Mortgage Advisor
Icon Mortgage Associates
2023.03 - Current
Mortgage advisor
ARKKE CAPITAL LTD
2022.10 - 2023.03
Mortgage advisor
SESAME BANKHALL GROUP
2021.12 - 2023.03
CeMap - Financial regulations and advice practice
London Institute of banking and finance
2019.01 - 2020.11