Summary
Overview
Work history
Education
Skills
Websites
Accomplishments
Languages
References
Timeline
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Zahid Butt

Zahid Butt

Birmingham,West Midlands

Summary

I am an experienced Mortgage Underwriter having worked for a number of key players in the Residential and Buy to Let mortgage markets as well as for the largest funder of third sector bodies in an assessment and monitoring capacity. I have vast experience in evaluating loan applications with excellent analytical and critical thinking skills. I am also a clear communicator with skills in conflict resolution, time management and problem solving.

Overview

27
27
years of professional experience
3
3
years of post-secondary education

Work history

Mortgage Underwriter

PARAGON MORTGAGES (2010) LIMITED
05.2022 - Current

Remote Underwriter

Foundation Home Loans
12.2018 - 05.2022

Buy To Let Underwriter

PARAGON MORTGAGES (2010) LIMITED
Solihull
01.2017 - 12.2018

Lead Credit Undewriter

Al Rayan Bank
Birmingham
08.2010 - 01.2017

Grants Officer

Big Lottery Fund
08.2009 - 06.2010

Lending Manager/Deputy Team Manager

Santander
01.2004 - 01.2009

Assistant Manager/Senior Underwriter

NatWest
03.1997 - 04.2004

Education

LLB (Hons) - Law

Kingston University
01.1990 - 04.1993

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Hodge Hill Mixed Comprehensive

Skills

  • Mortgage Lending
  • Banking
  • Credit
  • Policy development
  • Risk assessment
  • Customer service

Accomplishments

Paragon

  • Helped coach lower mandate staff in development
  • Part of 'Values' committee in New Business reviewing / rewarding staff for exceeding core company values

Foundation Home Loans

  • Helped inform on creation of EDI policy and training

Al Rayan

  • Co-wrote lending policy for residential and buy-to-let finance.
  • Wrote training scripts and delivered workshop to entire salesforce on packaging and reviewing home purchase applications.
  • Provide 1-2-1 mentoring for new sales staff on home purchase underwriting.
  • Delivered customer service project to improve relationship between sales and risk staff.
  • Training scripts written for sales force on Buy To Let mortgage process as part of on line training requirements.
  • Coached sales and risk staff to achieve relevant mandate level for mortgage application assessment.

Natwest

  • First underwriter to pass Banks internal underwriting competency tests as part of annual mandate renewal.
  • Co-wrote training scripts to assist in the transfer of I.T platforms enabling transfer of £14bn of mortgage funds.
  • Designed underwriters audit papers to ensure consistent level of technical knowledge reached for all new and existing underwriting staff

Languages

Punjabi
Fluent

References

References available upon request.

Timeline

Mortgage Underwriter

PARAGON MORTGAGES (2010) LIMITED
05.2022 - Current

Remote Underwriter

Foundation Home Loans
12.2018 - 05.2022

Buy To Let Underwriter

PARAGON MORTGAGES (2010) LIMITED
01.2017 - 12.2018

Lead Credit Undewriter

Al Rayan Bank
08.2010 - 01.2017

Grants Officer

Big Lottery Fund
08.2009 - 06.2010

Lending Manager/Deputy Team Manager

Santander
01.2004 - 01.2009

Assistant Manager/Senior Underwriter

NatWest
03.1997 - 04.2004

LLB (Hons) - Law

Kingston University
01.1990 - 04.1993

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Hodge Hill Mixed Comprehensive
Zahid Butt