DEBORAH ELLIOTT

5 Worthington Close, Mitcham, Surrey. CR4 1JQ.Tel: 020 8687 1617 Mobile: 07899 783192

Email: debelliott1998@gmail.com

CAREER HISTORY

February 2014-PresentMortgage & Protection Advisor – Lloyds Bank – Croydon, George St BranchAfter having left Natwest Bank, I joined Lloyds bank as a Mortgage & Protection Advisor in Croydon, George St. I also cover the Croydon Central, Tooting and New Addington branches.

Job Profile To conduct all the Mortgage Advice interviews for Residential Mortgages and

Non Advice interviews for Buy to Let Mortgages. To arrange Home Insurance for Mortgage customers and Standalone policies

for new and existing customers. To Underwrite all Mortgage Applications to offer stage. To make outbound calls to existing customers for Mortgage opportunities. Coaching Personal Banking Advisors and Customer Service Advisors. To achieve Advisor Monthly standards. To achieve Customer Service standards. To achieve Risk Performance and Compliance standards. Monthly 1-2-1 meetings with my Local Mortgage Manager. To pass all Mandatory Quarterly Tests. Responsible for all Mortgage administration from application to completion.

Main Achievements

Building a successful and wide Customer base. Receiving a Platinum Customer Service award for my customer feedback

calls. Being part of the Mortgage and Protection Advisor forum for Greater London. Being a coach for the Personal Banking Advisors and Customer Advisors. Being in charge of the feedback for the Colleague Opinion Survey. Arranging voluntary work in the local community for the Mortgage team. Maintaining a Green score for risk. Achieving 1st in the Network for Mortgage offers in 2014.

Sept 2012-February 2014Personal Mortgage Advisor Natwest Bank – Croydon High St Branch

After having left Alliance & Leicester/Santander bank, I began working for Natwest bank as a Personal Mortgage Advisor.

Job Profile To conduct Mortgage Advice interviews for new and existing customers of

Natwest bank. To refer Mortgage customers to the Protection Consultant for Income and Life

Protection. Work in partnership with Lead Generators including Training and Coaching. To maintain competence in accordance with FCA and Group requirements. To achieve Sales Targets for Mortgage Applications and Completions. To achieve Customer Service Targets. To achieve Compliance Targets. Monthly 1-2-1 meetings with my Area Mortgage Manager for Sales, KPI’s and

Compliance performance.

Main Achievements

Successful achievement of Customer Service targets. Building a successful and wide customer base. Coaching the Personal Banking Advisors and Customer Advisors. Maintaining a Green score for Risk.

January 1996 – July 2012 Northend Croydon BranchRegulated Mortgage Advisor – Alliance & Leicester/Santander BankHaving been transferred to the Strand Branch, I was promoted to Mortgage Advisor in January 1996 when the Kingsway branch closed. During this time I gained considerable experience in selling mortgages. I was trained in the different levels of service and started my training in regulated exams. In April 1999 I was transferred to the Gracechurch St. branch because I wanted to work in a large city branch. I attained passes in Cefa 1 & 2. I then began my studying for Cemap exams and I was fully qualified attaining a pass in Cemap 3 in December 2002. In November 2004, I became a Regulated Mortgage Advisor as mortgage regulation started and Alliance & Leicester decided that we would be giving advice only in the branches. In December 2006 I was transferred to the Balham branch because the branch had poor mortgage sales results and there had not been a mortgage advisor since 2005. Following area changes in December 2008, I moved to the more prestigious Croydon branch and I provide cover for 2 other branches for the South London and Surrey Area. In August 2010 Alliance & Leicester was taken over by the Santander Group.

Job Profile To conduct Mortgage interviews in order to determine which mortgage will best suit client needs and arrange protection plans when required, within strict adherence to FSA regulatory framework.

To establish customer needs and gain commitment for sales of mortgages and core products. Pro-actively identify selling opportunities through building relationships with existing and potential customers. To maintain competence in accordance with FSA and Group requirements. Required to achieve targets. To present a professional approach to a high standard of service quality and product knowledge, maintaining high standards of integrity, conduct and behaviour. Maintains own log of personal development and achievement. To drive the mortgage business forward using new ideas. Level 1 Underwriter.

Main Achievements Implementation of more structured and organised systems. Successful implementation of a Professional Partnership Scheme in 2003 & 2004. Building a wide and successful customer database. Achieving 131% to target for Mortgages and 110% to target for General Insurance

for 2008 at Balham branch and 282% to target for branch.

April. 1995 - Jan.1996 Alliance & Leicester Kingsway BranchCustomer AdvisorI started as a Customer Advisor working on the front counter and doing general cashiering duties. After a series of training courses in Leicester I became a Customer Advisor Savings.

Job Profile Conducting all the Savings and Banking interviews for the branch and opening all the new accounts. To achieve monthly sales targets for Current Accounts, Credit Cards, Personal Loans and Savings account. To pass on Customer leads to the Mortgage Advisor and Financial Advisor. To contribute to team product training and regularly present information on investment and Banking information. To support the branch team to meet service and sales targets, offering commitment and ideas to help improve performance. Doing all the Investment and Banking administration and making sure that customer records are kept up to date. Working on front counter and doing general cashiering when needed to. Pro-actively identify selling opportunities for financial products.

Main Achievements Being promoted to Customer Advisor Savings. Attaining a pass in all the Sales and Service courses. Successfully achieving a wide database of customers.

June. 1994 - March. 1995 Army & Navy Dept StorePart-time Sales Advisor Ladies Separates DeptI started a part-time computer and typing course at Sight & Sound college and I worked part-time at Army & Navy where I was working with a large team on the ladies fashion floor.

Job Profile Selling and promoting Ladies fashionwear. Selling and promoting the storecard - the ‘Frasercard’. Displaying the fashion merchandise. General cashiering and cash handling. Working with sales targets. Working on Bridalwear, young fashions, coats and dresses department.

Main Achievements Gaining experience in selling a credit storecard. Working in a very busy environment with varied duties Helping to organise Fashion shows for the House of Fraser group.

Earlier Career1982 - Joined Underwoods Chemists as a Revlon Beauty Consultant. Became a Cosmetics and Perfumery Section Manager.1988 - Joined Sock Shop High Holborn as a Branch Manager. Left in August 1988.1988 - Joined Arding & Hobbs Dept Store as an Assistant Dept Manager in The Perfumery Department.1990 - Joined Barkers of Kensington as Assistant Dept Manager in the Perfumery Department.1993 - Joined Richards, Kensington High St as Assistant Branch Manager. Left July 1993.1993 - Joined Dash Casualwear, Bentalls of Kingston as Concession Manager in August.

EducationSt Saviours & St Olaves Grammar School for Girls, Camberwell New Road.6 ’O’ Level passes: English Literature, English Language, Maths History, Human Biology, Food & Nutrition.Charles Edward Brooke Grammar School for Girls, New Kent Road. 3 ‘O’ Level passes: Sociology, Art, Geography. Diploma - RSA Office Practice.

A Level studies - Sociology, English Literature, Art.

Courses Attended1992 - University of London, Birkbeck College, Certificate and Diploma in Media Studies specialising in Film Studies part of a BA in Media Studies.1994 - Cranbrook Secretarial College - Diploma, Basic Keyboarding, 25 words per Minute.1994 - Sight & Sound Secretarial College - Diploma Speed Development 45 words

Per minute. Level 1 Word for Windows, Word Processing.2001 – Certificate in Financial Advice (CeFA).2002 – Certificate in Mortgage Advice and Practice (CeMAP).2016 – Basic Features of Excel and Advanced Fomatting in Excel.