Greta Didziulyte
Bedford,Bedfordshire
Summary
Skilled underwriter specialising in mortgages, offering more than 2 years' experience to growing organisation. Highly adept in underwriting moderate to complex policies, exceptional analytical and problem-solving abilities, coupled with effective communication and collaboration skills, enabling seamless coordination with brokers, solicitors, and other stakeholders. Committed to maintaining the highest ethical standards and delivering exceptional customer service in a fast-paced, high-volume environment. Diligent individual with strong work ethic. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
3
3
years of professional experience
2
2
years of post-secondary education
Work history
Fraud Specialist
Zopa Bank
London
12.2024 - Current
- Managed 20+ fraud escalation referrals daily, conducting document verification, call reviews, and identifying suspicious activities.
- Reviewed and updated customer records per week, ensuring accuracy and preventing identity fraud.
- Investigated 30+ fraudulent transaction claims weekly, successfully raising chargeback disputes with Visa where applicable.
- Identified and escalated potential 1st party fraud cases per week for further investigation and risk assessment.
- Maintained clear and consistent communication with customers , providing timely updates and managing expectations throughout the fraud investigation process.
- Reported high-risk fraud cases to CIFAS, collaborating with financial institutions and law enforcement agencies to strengthen fraud prevention efforts.
- Provided training and guidance to other members of the company, contributing to process improvements and a 10% reduction in referral handling time.
- Carried out investigations within prescribed time limits and set standards.
Underwriter
Yorkshire Building Society
Peterborough
12.2022 - Current
- Proficient in evaluating risk associated with loan applications, including analysing credit scores, debt-to-income ratios, and loan-to-value ratios.
- Examined 5+ credit reports per day, pay stubs, bank statements and tax returns to determine repayment capability and borrower creditworthiness.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Analysed credit, income, compliance, title documents, and appraisals during underwriting process.
- Skilled in reviewing and verifying accuracy of loan application documents, including title reports, contracts, and insurance policies.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Assessed and advised on 5-10 loan applications per day utilizing in-depth underwriting process understanding.
- Collaborated with other professionals to develop innovative underwriting solutions.
- Strong ability to interpret complex financial data and make informed underwriting decisions.
- Ability to clearly communicate underwriting decisions and requirements to brokers, applicants, and other stakeholders.
- Skilled in identifying potential issues in loan applications and providing solutions or alternatives.
- Efficient in managing multiple underwriting cases simultaneously while meeting deadlines.
Underwriting Service Representative
Yorkshire Building Society
Peterborough
03.2022 - 12.2022
- Resolved customer complaints following guidelines and referred complex inquiries to team leaders.
- Listened actively to offer accurate information and best solution to their needs.
- Obtained feedback from customers to improve service experience.
- Answered 40+ telephone calls per day with professionalism.
- Maintained and managed customer files and databases.
- Responded to customer calls and emails to answer questions about services.
- Maintained productivity and quality standards at all times.
- Accepted payments and updated accounts with latest information.
- Facilitated high-quality workshops, meetings and demonstrations online and offline for new colleagues.
- Collaborated with Subject Matter Experts (SME)s to refine and update training resources.
- Adapted session delivery to meet specific needs of professional learners within different environments.
- Developed soft skills by providing training in time-management, problem-solving, and effective communication.
- Planned training schedules, prepared materials and booked necessary rooms and facilities.
- Upskilled workers across multiple industries by generating accessible online content.
- Assessed employers in key areas to determine learning needs.
- Identified skills and knowledge gaps, tailoring workshops appropriately.
- Motivated employees to take ownership of individual professional development.
Admin
Carlton Distribution
Peterborough
01.2022 - 03.2022
- Interacted with customers professionally by phone, email and in-person to deliver accurate service information.
- Liaised with customers to resolve enquiries, appointment requests and billing questions.
- Managed office supply inventory, performing stocktake duties and ordering additional supplies to meet staff needs.
- Managed customer product and service queries, resolving effectively and efficiently.
- Received stock deliveries, accurately completing paperwork and updating system records.
- Accurately documented all cash, credit, fixed assets, accrued expenses and line of credit transactions.
- Analysed monthly reporting to reconcile production operations and general ledger.
- Reviewed and processed employee expense reports and vendor invoices for payment.
Education
High School Diploma - Economics
''Ziburys'' Gymnasium
Prienai 09.2017 - 09.2019
Skills
- Underwriting and adjustments
- Risk mitigation
- Risk management
- Account management
- Client needs analysis
- Data entry
- Process improvement
- Performance management
- Team negotiation
- Relationship building
Software systems:
- MSO Sales & Originations
- TransUnion: Credit score reports & checks
- Ignite
- YBS Software
- PowerPoint
- Excel
- Word
- One note
- Adobe Acrobat
- Teams/Zoom
- Sage
Timeline
Fraud Specialist
Zopa Bank
12.2024 - Current
Underwriter
Yorkshire Building Society
12.2022 - Current
Underwriting Service Representative
Yorkshire Building Society
03.2022 - 12.2022
Admin
Carlton Distribution
01.2022 - 03.2022
High School Diploma - Economics
''Ziburys'' Gymnasium
09.2017 - 09.2019
Similar Profiles
Joe CostanzoJoe Costanzo
Agile Delivery Manager at ZopaAgile Delivery Manager at Zopa
Kari HybertsonKari Hybertson
Retail HUB Manager at First Interstate Bank/Great Western Bank/Home Federal BankRetail HUB Manager at First Interstate Bank/Great Western Bank/Home Federal Bank
Prodip SahaProdip Saha
Collection Officer at HDFC Bank, Bajaj Finance, Axis Bank, IDFC BankCollection Officer at HDFC Bank, Bajaj Finance, Axis Bank, IDFC Bank
Noah ArnoldNoah Arnold
Finance Manager (Work Experience) at CognitaFinance Manager (Work Experience) at Cognita
Manjula JonesManjula Jones
Accounts assistant at United Paper Products LtdAccounts assistant at United Paper Products Ltd