Michelle Knox
Haywards Heath
Summary
Skilled Underwriter specialising in Flow credit, offering almost 18 years' experience. Highly adept in underwriting simple to moderately complex proposals, achieving new business goals and maintaining loss control and risk management levels. Instrumental in facilitating development and deployment of new processes.
Overview
18
18
years of professional experience
3
3
years of post-secondary education
Work history
Credit Underwriter
Shawbrook Bank Ltd
Redhill, Surrey
01.2017 - Current
- Apply Flow mandate to assess customer data to make informed decisions on credit-worthiness and risk levels.
- Establish accurate risk assessments to identify potential vulnerability indicators.
- Enforce compliance with regulatory requirements, promptly addressing and correcting submission deficiencies.
- Control loss by assessing risk, conducting system analysis and recommending policy solutions.
- Maintain high-quality control standards in observance of audit protocols.
- Shape and develop underwriting policies, practices and procedures to improve company standards.
- Carry out testing of new IT systems.
Risk Manager
Societe Generale
Richmond, London
01.2013 - 12.2016
- Review customer history and company financials before processing Flow credit applications and decision making.
- Prepare domestic and external risk reports that included the degree of risk involved in extrending credit for the mid-ticket business channel with clear, concise rationale and make recommendations to senior underwriters.
- Provide guidance and instructions to front office team to ensure efficiency and productive risk identifcation, analysis, assessment and presentation.
- Enforce established policies and regulations, fulfilling regulatory compliance requirements.
Underwriter / Credit Administrator/ Proposal Admin
ING Lease UK Ltd
Redhill, Surrey
09.2005 - 12.2012
- Underwrite new finance proposals across all business sectors.
- Responsible for investigating and monitoring fraudulant applications.
- Audit large exposure sub-hire customers.
- Testing and implementing IT systems, work instructions and training.
- Quality check and overturn, where necessary, auto underwritten decisions and action further information.
- Prepare new business proposal packs for Credit within set time frames, whilst mantaining quality information on systems and meeting customer expectations.
Education
Bachelor of Arts - Classical Civilisation
University of Leeds
Leeds 09.2001 - 06.2004
Skills
- Team negotiation
- Relationship building
- Performance management
- Process improvement
- Risk mitigation
Timeline
Credit Underwriter
Shawbrook Bank Ltd
01.2017 - Current
Risk Manager
Societe Generale
01.2013 - 12.2016
Underwriter / Credit Administrator/ Proposal Admin
ING Lease UK Ltd
09.2005 - 12.2012
Bachelor of Arts - Classical Civilisation
University of Leeds
09.2001 - 06.2004
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