Hi, I’m
Hanifah Mithoo
Summary
A highly motivated and results-driven Associate Relationship Manager, building outstanding stakeholder and client relations focusing on the delivery of Sustainable Affordable Housing across the UK. Working collaboratively, effectively and efficiently to consistently deliver to bespoke client needs.
Overview
6
years of professional experience
Work history
Lloyds Banking GroupLondon
Associate Relationship Manager - Housing
09.2022 - Current
Job overview
- Responsible for supporting a portfolio of 30-45 clients within the Housing sector. Assisting with the delivery of sustainable, affordable homes across the UK.
- Anticipated clients' existing and future needs. Implementing solutions to meet requirements by working together with product partners.
- Conducted financial reviews, assessing company financials and initiating credit application reviews.
- Liaised between colleagues, clients and stakeholders to maintain constructive communications.
- Guaranteed compliance by maintaining up-to-date knowledge of risk, KYC and FCA regulations.
- Discussed action plans with clients to support with delivery of ongoing ESG and sustainability.
Halifax, FlagshipLondon
Mortgage and Protection Adviser
05.2019 - Current
Job overview
- Built outstanding relationships with clients through bespoke care and advice, communicated clearly and effectively.
- Provided additional advice and guidance on related financial products, including home and life insurance.
- Evaluated bespoke client needs to effectively source products best suited to current financial circumstances.
- Assessed financial strength and credit-worthiness of clients to evaluate individual criteria.
- Hosted face to face and virtual events to educate a variety of clients on different stages of their home buying journey.
Lloyds Banking GroupLondon
CIBLS Loan Processor
03.2020 - 07.2020
Job overview
- Temporarily joined Lloyds Commercial Banking team to help out with the financial impacts to our clients due to COVID-19
- Analysed client history and financial reports to assess risk and creditworthiness
- Reviewed and submitted applications to underwriters
- Completed documentation for CIBLS loans on behalf of clients
- Measured compliance to existing policies.
- Collaborated with cross-functional teams to develop and implement new processes.
Halifax, FlagshipLondon
Homehub Banking Consultant
04.2018 - 05.2019
Job overview
- Referred customers with bespoke needs to in-bank financial specialists from Wealth to Mortgage Management
- Promoted bank products and services to new and existing customers, thoroughly explaining complex information to facilitate and deepen the customers relationship with the bank.
- Developed pipeline of prospective customer looking to buy a home, remortgage from another lender and insurance needs
- Served as primary point of contact as a as Banking Advisor
Education
The London Institute of Banking & FinanceLondon
from CeMAP
01.2019
Skills
- CeMAP qualified
- GCRED
- Financial Modeling
- Client relations
- Financial & Portfolio management
- Mortgage Market Knowledge
- Sustainability
- Underwriting and closing procedures
- Lead generation
- Goal development and implementation
- Communication strategies, liaising with internal & external stakeholders
- Team leadership and supervision
- New business development
Timeline
Associate Relationship Manager - Housing
Lloyds Banking Group
09.2022 - Current
CIBLS Loan Processor
Lloyds Banking Group
03.2020 - 07.2020
Mortgage and Protection Adviser
Halifax, Flagship
05.2019 - Current
Homehub Banking Consultant
Halifax, Flagship
04.2018 - 05.2019
The London Institute of Banking & Finance
from CeMAP
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