Stephen Corner

Leadership of the Mortgage Operations team covering the full end to end customer journey.

Accountable for the delivery of responsible and efficient personal lending manual mortgage decisions which deliver fair outcomes for customers and are in line with the Society's Risk Appetite.

• Execute and manage the Society's lending strategy and tactical business plans.
• Oversee the management of mortgage arrears cases ensuring regulatory compliance, and that customers are treated fairly and in line with the Society's values.
• Manage relevant 3rd party supplier relationships.
• Member of the Credit Risk Committee responsible for supporting the assessment of underwriting complex and high value mortgage applications outside of standard lending criteria.

Leading a team of 26 mortgage underwriters, covering the Clydesdale Bank mortgage proposition across both Direct and Broker channels.
Personal lending authority / mandate of £5m covering residential and BTL mortgage lending as well as bespoke bridging and property redevelopment propositions.
Accountable for the delivery of responsible and efficient personal lending manual mortgage decisions which deliver fair outcomes for customers and are in line with the bank's Risk Appetite

• Delivered an increase in Broker mortgage lending from £2.5bn to £5.5bn pa whilst maintaining overall credit quality.
• Effectively managed 2 successful regulatory (FCA & PRA) onsite visits reviewing Clydesdale Bank manual mortgage underwriting processes and procedures.
• Designed and implemented enhanced Quality Assurance and Route to Competency Frameworks across secured lending.
• Designed and implemented a credit training programme focused on raising the capability (knowledge, skills and competence) of all staff through strategic coaching and development activities.
• Collaborated with and established strong links with commercial, credit risk teams and external broker firms to successfully develop and implement a bespoke high value mortgage proposition.
• Member of the Credit Risk Forum responsible for monitoring, developing and delivering strategic mortgage plans.

Relationship Managing the Bank's contract with 3 external mortgage valuation panel managers.

Oversight and quality assurance of valuation reports and property risk related decisions.

• Conducting monthly supplier service review meetings to review service, performance metrics and continuous improvement initiatives.
• Development and maintenance of the Bank's valuation policy and procedures.
• Managed the tender process and on-boarding of a new Automated Valuation Model (AVM) provider, reducing costs and delivering an enhanced more robust valuation model.
• Reviewed and updated the Bank's valuation processes and documentation to improve operational efficiency and enhance the customer journey.

Underwriting lead in relaunching and re-establishing the Clydesdale Bank Broker mortgage proposition in the marketplace following the financial crisis.

Manual underwriting being the key differentiator and unique selling point for the overall proposition.

• Key role in establishing the successful implementation of mortgage processing offshore in India.
• Established a new Broker underwriting team which delivered mortgage approvals in excess of £500m in the 1st year.