I am a Mortgage & Protection Advisor with 22 years of experience in the financial sector, I have been a Mortgage & Protection Advisor for 21 years.

1. DEBORAH ELLIOTT
5 Worthington Close, Mitcham, Surrey. CR4 1JQ.
Tel: 020 8687 1617 Mobile: 07899 783192
Email: debelliott1998@gmail.com
CAREER HISTORY
February 2014-Present
Mortgage & Protection Advisor – Lloyds Bank – Croydon, George St Branch
After 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.

2. Sept 2012-February 2014
Personal 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 Branch
Regulated Mortgage Advisor – Alliance & Leicester/Santander Bank
Having 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.

3. 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 Branch
Customer Advisor
I 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.

4. 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 Store
Part-time Sales Advisor Ladies Separates Dept
I 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 Career
1982 - 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.
Education
St 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.

5. Courses Attended
1992 - 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.

6. Courses Attended
1992 - 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.