My Services
Business Management Services
Designing, developing and implementing workable solutions for financial service organisations, centred around the Mortgage lending business.
I can help you to:
- Develop a full 5yr strategic plan for Board approval
- Assess a country’s market opportunity for potential entry
- Design new products for an emerging customer need
- Complete a full end to end review of the business’ lending proposition; products, criteria, lending policy, operations and systems
- Execute regulatory impact assessments on lending operations (originations & collections)
- Project manage the due diligence of a mortgage portfolio, overseeing the operational acquisition of the customer base, including servicer migration
- Provide SME support for general BAU activity
Strategic
Researching and identifying key market opportunities; developing needs driven products; creating a target operating model; documenting a full P&L analysis (including funding impact).
Strategic Development & Implementation
A full strategic offering. Creating Board level comprehensive short-, medium- and long-term business strategic plans covering Market, Product, Operations, Risk, Regulatory, P&L and Funding Options etc. Completing and documenting SWOT and PEST analysis.
Market Impact Assessments
One off research projects looking at whole market views and / or sub-markets. Detailed analysis of country and market opportunities; size, customer / demographic profiling, competitor landscape, product offering, market entry options etc. Utilising a wide variety of data and research tools.
Product Design, Development & Distribution
Product Design, Development & Distribution – Developing competitive products using customer needs driven analysis, features and pricing. Providing route to market strategies and working with internal teams to implement.
Risk Management
Credit, Operational and Conduct Risk. Balancing risk vs. reward. Developing compliant lending policies, products and criteria to support business growth.
Lending Criteria & Policy Development
Developing compliant lending policies, criteria and implementation procedures to support business growth. In combination with Operations, Sales and Marketing, optimising the market opportunity whilst mitigating risk exposures.
Mortgage Regulatory Assessment & Impact Analysis
Providing impact assessments of key regulatory requirements and changes. Working with the business to implement changes and ensure full operational compliance.
Operational
Reviewing the end-to-end customer journey from enquiry through collections and repossession. Ensuring the customer is at the centre of the operation and the flow is efficient and compliant.
Target Operating Model / Customer Journey
Full end to end reviews of the customer journey; sales, application, decisioning, onboarding, post completion, arrears management and ultimately legal / repossession. Working with internal teams to make tactical and strategic improvements to the customer experience, ensuring fair outcomes to customers.
Product Design, Development & Distribution
Product Design, Development & Distribution – Developing competitive products using customer needs driven analysis, features and pricing. Providing route to market strategies and working with internal teams to implement.
Project Support
Provide subject matter expertise in project activities. E.g., leading due diligence activities for mortgage portfolio purchase; the business line SME on securitisation rounds etc.
Portfolio Due Diligence Support / Management
Managing due diligence activity for mortgage portfolio acquisitions. Defining due diligence requirements across originations, documentation, post completion administration. Monitoring output and ensuring risks are highlighted throughout the decision-making process; ensuring organisations accurately reflect the quality and potential return in their pricing models. Providing SME support in negotiations and working with legal teams to ensure key considerations are included in deal documentation.
Funding SME Support
Supporting finance and treasury teams with their funding sales process (warehouse lines, securitisations, TFS placement etc.). Completing independent assessments of the portfolio and operational capabilities, through to being the SME representative in third party negotiations.