Duncan Swanston
Dunfermline,Fife
Summary
Experienced Mortgage and Protection Adviser, skilled in guiding clients through complex financial landscapes. Specialised in delivering tailored mortgage solutions and protection plans, resulting in enhanced client satisfaction and retention. Recognised for integrity and commitment to securing optimal outcomes for clients.
Accomplished financial professional with extensive expertise in specialist mortgage experience and a deep understanding of FCA regulations. Demonstrates proficiency in financial software, regulatory compliance, and risk assessment. Adept at formulating repayment strategies, analysing protection products, and maintaining client confidentiality. Skilled in underwriting procedures, credit scoring, and lenders criteria familiarity. Known for effective decision making, professional communication, and strategic sales techniques aimed at customer retention. Committed to ethical conduct and delivering exceptional financial counselling services.
Overview
21
21
years of professional experience
4
4
years of post-secondary education
Work History
Mortgage and Protection Advisor
Lloyds Banking Group
Dunfermline, Fife
04.2014 - Current
- 10 years experience delivering a wide variety of mortgage applications.
- Enhanced customer satisfaction by providing expert mortgage advice
- Interviewed applicants to collect information about personal histories, current loans and income.
- Conducted detailed financial assessments, ensuring accurate loan recommendations.
- Ensured compliance with industry regulations through meticulous document management.
- Provided comprehensive protection advice, promoting financial security for clients.
- Evaluated client credit check outcomes to provide complete financial advice.
- Conveyed terms and conditions to applicants to inform about loan rates, repayment requirements and potential actions in case of default.
- Delivered exceptional service for positive client testimonials.
- Consistently met targets without compromising on quality of service delivered.
- Developed tailored solutions, addressing unique client needs effectively.
- Demonstrated excellent problem-solving skills to overcome complex cases.
- Mastered a variety of mortgage software systems, optimising work efficiency.
- Proficient in using technology such as video software to interview clients.
- Handled sensitive information discretely, maintaining high levels of confidentiality.
- Analysed financial statements to identify client viability and risk.
- Facilitated smooth property transactions by liaising with solicitors.
- Increased client base with effective networking techniques.
- Conveyed terms and conditions to applicants to inform about loan rates, repayment requirements and potential actions in case of default.
- Prepared documentation on loan repayment feasibility.
- Updated client records with successful credit and loan applications.
- Completed documentation for lines of credit and loans on behalf of customers.
Credit card customer service advisor
Lloyds Banking Group
Dunfermline, Fife
06.2003 - 01.2014
- Improved customer satisfaction by promptly addressing queries and complaints.
- Managed complex customer issues to successful resolution.
- Enhanced brand loyalty, provided excellent service at all times.
- Handled high volume of calls daily for faster issue resolution.
- Assisted customers in product selection to boost sales.
- Logged customer complaints accurately, expedited corrective actions effectively.
- Provided detailed information about products and services to potential customers.
- Transferred customer calls to respective department or personnel to address specific issues.
Education
Certificate of Mortgage and Practice - Mortgage Advice
London Institute of Banking and Finance
United Kingdom 01.2014 - 04.2014
University Degree - Social Sciences
Glasgow Caledonian University
Glasgow 06.1995 - 06.1999
Skills
- Product knowledge mastery
- Knowledge of fca regulations
- Client confidentiality respect
- Regulatory compliance understanding
- Financial software proficiency
- Specialist mortgage experience
- Strategic sales techniques
- Protection product analysis
- Underwriting procedures
- Credit scoring knowledge
- Repayment strategies formulation
- Ethical conduct awareness
Affiliations
- Keen interest in learning and writing music.
Timeline
Mortgage and Protection Advisor
Lloyds Banking Group
04.2014 - Current
Certificate of Mortgage and Practice - Mortgage Advice
London Institute of Banking and Finance
01.2014 - 04.2014
Credit card customer service advisor
Lloyds Banking Group
06.2003 - 01.2014
University Degree - Social Sciences
Glasgow Caledonian University
06.1995 - 06.1999
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