Summary
Overview
Work history
Education
Skills
REFERENCES
Timeline
Generic

Victoria Griffiths

Eglwysbach,Conwy

Summary

A highly skilled and adaptable professional with extensive experience in account management, relationship building and financial services. Proven track record in managing wholesale credit portfolios, overseeing risk and compliance and providing comprehensive support to senior management. Adept at stakeholder engagement and fostering strong client relationships across diverse sectors, including, automotive, caravans, motorcycles and mortgages. A resourceful problem solver with a keen ability to adapt to various business models and deliver results in dynamic and challenging environments. Recognised for strong organisational skills, meticulous attention to detail and the ability to manage high profile events and national client engagement.

Overview

26
26
years of professional experience

Work history

Business Support & Oversight Manager

Blackhorse Finance
10.2022 - Current
  • Deputy for Senior Manager: Serve as primary contact in the absence of Senior Manager, ensuring seamless operations.
  • Business Support: Provide comprehensive support to Senior Manager, including scheduling meetings, booking accommodations, and preparing and delivering high-quality presentations for both operational and executive-level meetings.
  • Wholesale Credit Portfolio Management: Oversee Harley Davidson wholesale credit portfolio. Including preparation of credit applications, monitoring of existing credit lines, and conducting annual or ad hoc reviews. Investigate, challenge, and appeal audit failures, delivering actionable insights and results.
  • Relationship Management: Act as relationship manager for Coachman Caravans and motorcycle manufacturers, serving as primary point of contact, lead operational meetings, generate required reports, and ensure all partner needs are met.
  • Team Risk and Compliance Oversight: Manage and mitigate risk within my team, ensuring full compliance with internal policies and regulatory standards.
  • Event Coordination: Organise logistics and attend throughout 2 major caravan shows (6 days each), and 1 motorcycle show (9 days) annually. Responsibilities include creating staff rotas, arranging uniforms, booking accommodation, and securing exhibitor passes. Additionally, liaise with marketing teams to manage sponsorships and promotional activities for the events.
  • Stakeholder Management: Regularly communicate with internal and external stakeholders, providing expertise on motorcycle and caravan finance.
  • National Travel: Required to travel nationally to visit stakeholders and partners, ensuring strong relationships and smooth collaboration.

Account Manager

Blackhorse Finanec
09.2014 - 10.2022
  • Account Management: Managed relationships for 40 car dealers, who acted as intermediaries for Blackhorse. Ensured each dealership adhered to all regulatory requirements and completed mandatory training.
  • System Training and Support: Provided training on IT systems for new dealership staff and resolved any system-related issues to ensure seamless operation.
  • Wholesale Portfolio Oversight: Managed wholesale credit requirements for 12 dealerships, overseeing a total portfolio of £29 million. Conducted annual credit reviews and addressed any audit concerns.
  • Pricing and Profitability Reviews: Analysed and reviewed dealership pricing terms to ensure they were competitive while maintaining profitability for Blackhorse. Collaborated with dealerships to set finance targets and supported them in meeting their budget goals.
  • Business Model Adaptations: Developed a deep understanding of each dealership's unique business model and practices, tailored strategies and communications to align with their specific needs and ensure mutual success.

Mortgage Advisor / Mortgage Broker

Halifax / Reed Rains / Yorkshire Bank
11.1998 - 09.2014
  • Client Consultation: Met with clients to understand their mortgage and protection needs, assess financial circumstances, and provide tailored mortgage solutions that align with their financial goals.
  • Mortgage Product Recommendations: Advised clients on suitable mortgage and protection products, including fixed or variable rates, buy-to-let options, and life and critical illness policies, ensuring compliance and regulation requirements were always adhered to.
  • Application Processing, Affordability Assessments, and Underwriting: Conducted detailed affordability checks, including income and expenditure, ensuring we were treating customers fairly and not over-committing clients, reviewed credit profiles, and verified all documentation provided for a smooth approval process.
  • Regulatory Compliance: Ensure all advice and sales processed complied with FSA regulations, including completing necessary training and keeping up to date with industry changes.
  • Sales Targets: Worked towards and achieved individual sales targets, contributing to branches' overall performance.

Education

Automotive Finance Specialist (Level 3) -

The London Institute of Banking And Finance

CeMAP (Level3) -

FSA

GNVQ Advanced Health ad Social Care -

Maltby Comprehensive School
/1995 - /1997

7 GCSE’s including Maths and English -

Maltby Comprehensive School
/1990 - /1995

Skills

  • Building trusting relationships
  • Problem-solving
  • Self-sufficient
  • Strong commercial acumen
  • Adaptability in high pressure situations
  • Managing high-level relationships
  • Personable

REFERENCES

Available upon request

Timeline

Business Support & Oversight Manager

Blackhorse Finance
10.2022 - Current

Account Manager

Blackhorse Finanec
09.2014 - 10.2022

Mortgage Advisor / Mortgage Broker

Halifax / Reed Rains / Yorkshire Bank
11.1998 - 09.2014

Automotive Finance Specialist (Level 3) -

The London Institute of Banking And Finance

CeMAP (Level3) -

FSA

GNVQ Advanced Health ad Social Care -

Maltby Comprehensive School
/1995 - /1997

7 GCSE’s including Maths and English -

Maltby Comprehensive School
/1990 - /1995

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Victoria Griffiths