Victoria Watson-Fehouane
Glasgow
Summary
Accomplished professional with expertise in critical observation, fraud detection, and regulatory compliance. Demonstrates strong analytical thinking and interpersonal communication skills, with a proven track record in anti-money laundering procedures and risk assessment. Adept at both written and verbal communication, ensuring clear and effective interactions. Committed to maintaining high standards of regulatory compliance while continuously enhancing fraud detection methodologies. Offering strong foundation in financial analysis and customer service, combined with attention to detail and problem-solving abilities. Knowledgeable about risk assessment and compliance, with focus on clear communication and teamwork. Ready to use and develop analytical, decision-making, and organisational skills in a new role.
Overview
16
16
years of professional experience
Work History
Mortgage underwriter
Santander
Glasgow, Glasgow City
04.2015 - Current
- Analysed financial statements to identify client viability and risk.
- Accurately calculated debt-to-income ratios, employing assessment profiles in determining creditworthiness.
- Managed a portfolio of mortgage cases, ensuring prompt and accurate decision making.
- Delivered timely and accurate case updates at different stages of application processes.
- Maintained high standards of accuracy whilst dealing with vast amounts of complex data.
- Consulted with legal professionals to clarify any complex issues with title deeds or property boundaries for smoother transactions.
- Worked diligently under strict deadlines maintaining a high standard of work despite pressure.
- Performed thorough background checks on applicants, ensuring adherence to anti-fraud policies and procedures.
- Researched applicant's employment and financial history to help determine accuracy of application and documents.
- Documented and communicated reasons for approval or rejection of loans to clients and staff.
- Observed high-quality control standards, facilitating exceptional borrowing experience.
- Conducted detailed risk assessments, resulting in reduced exposure to bad debt.
- Established accurate risk assessments to identify potential vulnerability indicators.
- Demonstrated excellent attention to detail when verifying documentation relating to income, assets and liabilities for correct assessment of borrower's eligibility for loans.
- Evaluated client credit check outcomes to provide complete financial advice.
- Handled escalated queries from clients and brokers effectively resolving any outstanding issues swiftly.
- Ensured compliance with lending regulations by staying updated on changes in legislation.
- Kept up-to-date knowledge of market trends to make informed decisions regarding mortgage approvals.
- Took part in continuous professional development courses enhancing skills relevant to role.
- Reviewed mortgage loan applications with mandate limits.
- Participated actively in team meetings bringing innovative ideas forward which were implemented into company policy.
- Quickly learned and applied new skills to daily tasks, improving efficiency and productivity.
Mortgage Protection Consultant
Santander
Glasgow, Glasgow City
04.2014 - 04.2015
- Developed personalised life insurance plans for customer satisfaction.
- Educated clients about policy features and benefits leading to informed decisions.
- Calculated premiums based on medical information and other factors unique to specific client.
- Managed complex cases requiring special attention, ensuring client satisfaction.
- Analysed clients' needs to provide appropriate coverage recommendations.
- Drafted quotes detailing policy premiums, coverages and payment structures.
- Kept up with changes in insurance markets to accurately answer client questions and give suitable recommendations.
- Facilitated seamless policy administration, reducing process complexities for clients.
- Fostered strong relationships with clients, building a loyal customer base.
- Achieved sales targets through effective communication and negotiation skills.
Business Development Manager
Luna Spas
Glasgow, Glasgow City
11.2012 - 11.2013
- Supported front-line sales teams with well-coordinated administrative operations.
- Identified market trends, resulting in enhanced product offerings.
- Evaluated sales and service processes to generate targeted improvement strategies and increase revenue opportunities.
- Led cross-functional teams to deliver complex projects on time and budget.
- Executed successful product launches, driving market penetration.
- Optimised sales methods to best engage, acquire and retain customers.
- Contacted and converted potential customers via telephone, email and in-person enquiries.
- Streamlined processes to improve overall efficiency.
- Oversaw record-keeping for company's long-term planning, ensuring accuracy, accessibility and security.
- Handled crisis situations effectively, minimising impact on business operations.
- Secured new business opportunities by cultivating strong relationships with potential clients.
Mortgage Consultant
Santander
Glasgow, Glasgow City
03.2010 - 10.2012
- Educated clients on various mortgage products to aid informed decision-making.
- Managed high-volume case loads efficiently whilst maintaining attention to detail.
- Produced accurate documentation promptly, minimising delays in the lending process.
- Interviewed customers to assess current and projected financial positions.
- Assessed risk factors carefully to ensure responsible lending practices.
- Developed personalised mortgage plans, enhancing client trust and loyalty.
- Adhered to all compliance guidelines for retail mortgage lending.
- Secured affordable, cost-effective mortgage options tailored to client needs to drive satisfaction rates.
- Ensured complete transparency in dealings, fostering trust and building long-term relationships with clients.
- Maintained up-to-date knowledge of industry trends for superior service delivery.
Business Development Manager
Santander
Glasgow, Glasgow City
08.2008 - 03.2010
- Fostered client relationships, leading to increased brand loyalty.
- Optimised sales methods to best engage, acquire and retain customers.
- Identified opportunities to drive business growth, diversification and expansion.
- Generated leads to bring in new client revenue and improve bottom-line profitability.
- Consistently exceeded revenue targets through new account development.
- Managed key accounts, ensuring high levels of customer satisfaction.
- Collaborated with stakeholders to align business goals and objectives.
- Coached team to build client relationships and exceed sales targets.
- Contacted and converted potential customers via telephone, email and in-person enquiries.
Education
Bachelor of Arts - Cognitive Behavioural Counselling
Centre of therapy
Glasgow, Glasgow City /2018 - /2021
Skills
- Critical observation
- Fraud detection
- Regulatory compliance
- Analytical-thinking
- Interpersonal communication
- Written and verbal communication
- Anti money laundering procedures
- Risk Assessment
References
References available upon request.
Timeline
Mortgage underwriter
Santander
04.2015 - Current
Mortgage Protection Consultant
Santander
04.2014 - 04.2015
Business Development Manager
Luna Spas
11.2012 - 11.2013
Mortgage Consultant
Santander
03.2010 - 10.2012
Business Development Manager
Santander
08.2008 - 03.2010
Bachelor of Arts - Cognitive Behavioural Counselling
Centre of therapy
/2018 - /2021
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