Beverley Foster
Barnsley
Summary
Detail-oriented Credit Risk Analyst with expertise in financial assessments and data-driven risk management. Skilled in regulatory compliance and simplifying complex concepts for clients. Effectively collaborates to achieve strategic goals while applying risk analysis techniques and adhering to financial procedures.
Overview
36
36
years of professional experience
Work History
Credit Risk Analyst
Heylo housing
leed
10.2022 - Current
- Analysed financial statements and credit history of clients to assess creditworthiness and inform lending decisions.
- Evaluated loan applications to determine approval or disapproval based on established risk profiles and client eligibility.
- Assessed mortgage loan documentation to determine acceptance or denial, making decisions based on established risk factors and income requirements.
- Analysed financial documents to accurately assess client stability and risk potential.
- Analysed client records to assess financial viability of lending applications.
- Analysed credit risk data to identify patterns, trends, and potential areas of concern for informed decision-making.
- Conducted sensitivity analyses to evaluate the potential impact of various risk factors on credit portfolios.
- Reviewed credit applications and performed credit checks to ensure compliance with evaluation procedures.
- Collaborated with cross-functional teams to develop risk mitigation strategies, reducing financial losses from credit defaults.
- Created and implemented robust company credit policies, limiting financial risk.
- Implemented continuous improvement initiatives for risk assessment tools and methodologies, enhancing risk management capabilities.
- Worked with credit risk team to understand impacts of system and credit policy changes to conversion.
- Reviewed appeals from applicants who experienced significant life events to assess associated risks for the company.
Underwriter
Bluestone Mortgages
sheffield
11.2021 - 10.2022
- Facilitated underwriting of mortgage applications, ensuring accurate evaluation of risk.
- Assisted in ensuring compliance with affordability criteria, contributing to responsible lending practices.
- Supported assessment of cases for applicants with credit histories unsuitable for high-street lenders, enabling access to tailored mortgage solutions.
- Communicated with brokers regarding outstanding case requirements.
Mortgage Underwriter
Barclays Bank Plc
06.2017 - 11.2021
- Underwriter mortgage applications
- Assessing cases on an individual basis following policy to ensure the mortgages are affordable.
- Completed and passed a B4 upskill course to assist with underwriting cases involving higher loans.
- Using rationale to explain decisions on a case-by-case basis.
- Liaised with brokers and advisers to clarify reasons for affordability case failures, enhancing communication and understanding.
- Assisted with mortgage completions at the start of the pandemic by ensuring timely release of funds.
- Participated in contractor pilot scheme since 2017, facilitating training and rollout to other mortgage underwriters via Webex meetings.
- Provided support to MLS team in Leeds
Mortgage Fraud Investigator
Barclays Bank Plc
06.2010 - 06.2017
- Investigated mortgage and corporate applications to determine specific investigation requirements.
- Analysed case information to detect potential fraud.
- Collected and analysed data on brokers, solicitors, and sellers to identify fraudulent activities.
- Recognised and reported false documentation.
- Assessed risk levels associated with potential fraud scenarios, advising companies on appropriate preventive measures.
- Prepared detailed reports summarising investigation findings, presenting complex information in an accessible manner.
- Input adverse data into systems to alert providers.
- Recorded case details using Fraud 3, ensuring conformance checks.
- Utilised Hunter software daily.
- Communicated effectively to train new colleagues on risk management.
- Assisted in training sessions on detecting false income and documentation.
- Provided guidance to new team members to enhance their understanding of processes and expectations.
- Served as primary contact for providing advice on unusual cases, ensuring clarity and support for colleagues.
- Maintained daily professional interactions with industry professionals.
- Completed monthly reporting for financial crime management information, adhering to regulations.
Mortgage Specialist
Barclays Bank Plc
05.2006 - 06.2010
- Guided customers across UK in securing tailored mortgage and protection solutions while ensuring compliance with regulatory requirements.
- Consistently met targets in a regulated and challenging work environment.
- Supported department by exemplifying Barclays behaviours and acting as a trusted resource for business quality inquiries.
Cashier
Halifax Plc
05.2004 - 05.2006
- Provided customer service support for banking inquiries related to accounts, loans, and mortgages.
- Identified customer needs to enhance banking product offerings.
- Generated leads for financial reviews and mortgage applications.
cashier
Bradford and Bingley PLC
01.1999 - 05.2004
- Delivered customer service support for banking accounts, enhancing customer satisfaction.
- Collaborated with team to achieve branch and individual targets, fostering a results-driven environment.
- Facilitated lead generation for financial reviews and mortgage applications, contributing to branch growth.
Formal Wear Manager
River Island
Bolton
09.1997 - 01.1999
- Implemented merchandising strategies that enhanced product visibility and drove sales.
- Managed inventory by ordering and tracking stock levels at the branch.
- Supported team in meeting branch and department targets, contributing to overall growth.
Assistant Manager
Claires Accessories
Stockport
03.1997 - 09.1997
- Created staff rota to maintain adequate coverage.
- Maintained clarity in staff roles to promote efficiency.
- Delivered customer service support to improve client satisfaction.
- Merchandised stock to increase customer sales.
Shop Floor Supervisor
Cromwells Madhouse
Meadowhall
03.1995 - 03.1997
- Facilitated creation of staff rotas to ensure optimal coverage.
- Aided management of staff roles to enhance team effectiveness.
- Assisted with merchandising of stock to drive sales performance.
- Performed cash lifts to ensure security.
Manager
Stationary Plus
Wakefield
03.1993 - 03.1995
- Assisted in effective staff rota scheduling to optimise coverage and availability.
- Maintained accurate staff files to ensure compliance and accessibility.
- Handled cash takings banking efficiently to ensure financial accuracy and security.
- Provided customer service and managed returns proficiently.
- Supported merchandising of stock to enhance sales.
Assistant Manager
Allsports
Leeds
09.1990 - 03.1993
- Assessed staff performance and delivered constructive feedback to promote professional development.
- Guided new employees on company policies and customer service standards.
- Facilitated customer service inquiries and returns to enhance customer satisfaction.
- Collaborated with team members to achieve individual sales targets, contributing to overall team success.
- Organised stock merchandising to enhance sales opportunities.
Education
8 GCSEs - English, Maths
Priory comprehensive school & Barnsley Sixth form college
01-1990
Skills
- Credit risk assessment
- Credit risk analysis
- Loan underwriting
- Financial analysis
- Regulatory compliance
- Fraud detection
- Risk mitigation strategies
- Data analysis
Custom Section
8 GCSEs (grade B - C), English, Maths, Priory Comprehensive School & Barnsley Sixth Form College, 1983-1990
References
Available upon request.
Professional Development
- NVQ level 2 in customer services
- NVQ level 3 in customer services
- Certificate in financial crime awareness (distinction)
Timeline
Credit Risk Analyst
Heylo housing
10.2022 - Current
Underwriter
Bluestone Mortgages
11.2021 - 10.2022
Mortgage Underwriter
Barclays Bank Plc
06.2017 - 11.2021
Mortgage Fraud Investigator
Barclays Bank Plc
06.2010 - 06.2017
Mortgage Specialist
Barclays Bank Plc
05.2006 - 06.2010
Cashier
Halifax Plc
05.2004 - 05.2006
cashier
Bradford and Bingley PLC
01.1999 - 05.2004
Formal Wear Manager
River Island
09.1997 - 01.1999
Assistant Manager
Claires Accessories
03.1997 - 09.1997
Shop Floor Supervisor
Cromwells Madhouse
03.1995 - 03.1997
Manager
Stationary Plus
03.1993 - 03.1995
Assistant Manager
Allsports
09.1990 - 03.1993
8 GCSEs - English, Maths
Priory comprehensive school & Barnsley Sixth form college