Summary
Overview
Work history
Education
Skills
Languages
Timeline
CustomerServiceRepresentative

Elizabeth Brookhouse

Livingston,west lothian

Summary

Thorough banking professional knowledgeable about bank products, processes and regulations.


Confident and organised in helping consumers navigate sometimes-complex systems to achieve financial goals and boost bank profitability. History completing impeccable work balancing institutional and consumer needs.


Skilled mortgage and protection adviser with attention to detail and problem-solving skills to approach different applications and conflicts. Understands importance of balancing risk against financial returns to optimise profits.


Quick to learn new procedures and careful to follow protocols. Talented finance professional with proven expertise in loan and credit management. Diligent in research and assessment for minimised client and business risk. Meticulous in maintaining accurate, up-to-date records.


Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. with proven track record of providing financial services to clients while managing complex loan transactions.


Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.

Overview

4
4
years of professional experience
2
2
years of post-secondary education

Work history

Mortgage and Protection Adviser

Mortgage advice bureau
Edinburgh, East Lothian
04.2022 - Current
  • Maintained impeccable records of payments and documentation of transactions.
  • Evaluated client credit check outcomes to provide complete financial advice.
  • Built positive relationships with lenders to achieve optimal client deals.
  • Devised credit and repayment plans for secure finance management.
  • Updated client records with successful credit and loan applications.
  • Prepared documentation on loan repayment feasibility.
  • Met with applicants to collect information about personal histories, current loans and income.
  • Issued official approval and rejection notices within allowable limits and in line with institutional risk profiles.
  • Wrote professional correspondence outlining ageing account information.
  • Conveyed terms and conditions to applicants to inform about loan rates, repayment requirements and potential actions in case of default.
  • Monitored financial markets to recommend suitable client products.
  • Interviewed customers to assess current and projected financial positions.
  • Analysed financial statements to identify client viability and risk.
  • Documented client applications for personal, business and mortgage loans.
  • Informed customers of potential legal action and required remediation to avoid escalation.

Mortgage Consultant

Buildstore ltd
Livingston, West Lothian
05.2019 - 04.2022
  • Maintained quality of service, ensuring constant up to date knowledge on mortgage industry trends.
  • Established viability and creditworthiness, analysing financial statements, credits and payment history..
  • Boosted profitability, setting product expiry reminders in Midas to ensure prompt renewal.
  • Maintained up-to-date understanding of market trends and developments to offer best possible customer advice.
  • Built outstanding relationships with clients through bespoke care and advice, going above and beyond to promote client loyalty and retention.
  • Provided exceptional level of customer service at all stages of mortgage loan process.
  • Forged exceptional relationships with lenders and estate agents, aiding smooth-running property purchase proceedings.
  • Facilitated tracking of sales performance against KPI targets by creating and maintaining accurate records SME systems.
  • Conducted client interviews to determine most suitable mortgage product according to client needs and priorities.
  • Protected client confidentiality, adhering to GDPR procedures across all tasks.
  • Assessed clients' financial situations to evaluate readiness for mortgage application to help maintain high approval ratings.
  • Secured affordable, cost-effective mortgage options tailored to client needs to drive satisfaction rates.
  • Evaluated bespoke client needs to source products best suited to current financial circumstances.
  • Drove a culture of high productivity and continuous improvement by establishing KPI metrics across all sales operations.
  • Trained junior consultants in customer service best practice, boosting client satisfaction from [Number]% to [Number]%.
  • Consistently exceeded monthly sales targets using exceptional negotiation skills.
  • Explained payment terms and conditions for loans, offering one-on-one appointments for clients with complex loan needs to aid understanding.
  • Adhered to all compliance guidelines for retail mortgage lending.
  • Assessed financial strength and credit-worthiness of clients, evaluating individual criteria to determine most appropriate product.

Education

Higher National Diploma - Public relations and psychology

Queen Margaret University
Edinburgh
09.2007 - 05.2009

cemap 1,2 and 3 - Mortgage advice and practice

London Institute of Banking and Finance
London
10.2020 - 12.2020

Skills

  • Financial planning
  • Financial Conduct Authority (FCA) regulatory requirements
  • Loan documentation
  • Financial viability assessment
  • Credit analysis
  • Deep knowledge of bankruptcy processes
  • Financial transactions expertise
  • Experian Transact SM
  • Financial analysis aptitude

Languages

English
Native

Timeline

Mortgage and Protection Adviser

Mortgage advice bureau
04.2022 - Current

cemap 1,2 and 3 - Mortgage advice and practice

London Institute of Banking and Finance
10.2020 - 12.2020

Mortgage Consultant

Buildstore ltd
05.2019 - 04.2022

Higher National Diploma - Public relations and psychology

Queen Margaret University
09.2007 - 05.2009

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Elizabeth Brookhouse