Mark Murray

Experience

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  Bristol & West Building Society

  Sept 1992 - Jun 1997

  Commercial Underwriter / Mortgage Administrator

  ● Started in the Mortgage Administration Dept. ● Responsible for all Customer Service enquiries, mortgage statements, interest adjustments etc. ● Promoted in 1995 to Commercial Underwriting Department● Responsible for supporting Underwriting Manager in presenting applications to Board● Liaised with Intermediaries to progress applications

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  HOUSEHOLD MORTGAGE CORPORATION LIMITED

  Jun 1997 - Aug 1999

  Underwriter

  ● 1st Charge Mortgage Underwriter progressed to a £200,000 mandate. ● Exceeded target with regard to pipeline management, quality assurance & turnaround times. ● Strong working relationship with both the Sales team & the Intermediaries.

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  GE Capital

  Aug 1999 - Oct 2004

  Underwriting Manager

  ● Initially promoted from Senior Underwriter to Underwriting Manager in 1999 before promoted to Senior Underwriting Manager in 2002. ● Lending Mandate to £500,000● Delivered key performance & service metrics including productivity, quality & service.● Initially managed a team of 8 underwriters before being promoted to manage 3 teams of underwriters. ● Led migration of underwriting platform ● Achieved CeMAP qualification

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  First National

  Nov 2004 - Jul 2009

  Head of On-Site Lending

  ● Set up on-site lending team initially with 5 underwriters in 2004. Recruited additional 13 in 2005 & remainder in 2006.● Head of team of 40 underwriters & regional managers based across the country both within 25 mortgage intermediaries offices & on a roving basis.● Implemented an effective management structure with regular site visits, file audits & quality driven performance metrics. ● Underwrote >£1.5 billion of applications in 2007 (37% of GEMHL overall). ● Recognised GE Globally with Outstanding Performance Award. ● Team consistently out performed the head office based underwriters on productivity & QA results. Show less

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  GEMHL

  Aug 2009 - Feb 2013

  Loss Mitigation Manager

  ● Set up, recruited & trained a team of 45 FTE within a 6 month period. ● Reporting to the SMT weekly on activity & results.● Developed an automated solution with Finance, Risk & Compliance to improve speed & consistency of decision making. ● Set up "Interest Only / Pre-expired strategy" which delivered £1 million a month capital reduction.● Passed Advanced CeMAP & awarded Leadership Excellence Award● Drove Mortgage Rescue Scheme, 25% of all completions for England & Wales & worked with the CML on promoting the TFC benefits.● Developed AVS scheme increasing applications by 300% & reduced cancellations to <10%● Re-engineered the Contract Variations process & reduced FTE requirement by 80% & TAT's by 50%.● Completed a Best Practice review in France with the GE France business. Show less

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  GE Money Home Lending

  Mar 2013 - Feb 2014

  Credit Operations Manager

  ● Increased my responsibilities to include the Asset Management & Underwriting teams. ● Responsible for daily operational performance in Asset Management, including offer approvals & costs involved in marketing & selling of repossessed portfolio. Worked with 3rd parties to maximise the sales prices & achieve best valuer both on an individual basis & across the portfolio of 500 properties. ● Developed & improved a robust controls framework to ensure we maintained effective oversight on the whole process. ● Managed the Mortgage Underwriting team with a senior lending mandate. ● Worked cross functionally with Sales & Risk to review products & criteria to align GE's lending appetite & market expectations. ● Implemented a T&C & Performance Management Framework to drive effective quality decision making across the underwriting team. Show less

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  The Northview Group

  Oct 2016 - now

  Lending Operations Manager

  Responsible for the management and performance of all the lending operational teams, from application submission through to completion. Focusing on implementing & embedding process improvement, removing waste and creating an efficient process. This includes design & implementation of a new underwriting platform.