Martin Henry has over 30 years of experience in the financial services industry, particularly in mortgage lending and lenders mortgage insurance. He has held senior executive roles such as Chief Executive Officer and Chief Underwriting Officer, where he established operational platforms, credit strategies, and mentored large teams. Martin has extensive expertise in credit assessment, risk management, and relationship management. He currently works as the Chief Underwriting Officer for BT Financial Group, setting credit policy and parameters for the mortgage lending divisions of Westpac.

1. MARTIN HENRY
Address: 175 Joseph Banks Drive, Kings Langley NSW 2147
Telephone: 0401337917 (mobile).
E-mail: megmarson@bigpond.com
PROFILE
Deep experience and operational expertise, in mortgage lending/underwriting teams or credit
platform teams.
Strong ability to mentor
Significant experience as a Senior Executive in the Financial Services industry, focussed
particularly within the Lenders Mortgage Insurance, Mortgage Credit Operations, Loan
Operations, Banking and General Insurance sector.
My previous roles have involved a diverse application of:
 Strategy,
 Credit and Underwriting design/operation,
 Group function amalgamation,
 Operations,
 Risk Management,
 Senior Relationship Management.
 Senior team leadership
 I have led and mentored large and diverse underwriting teams both in Australia and
New Zealand, established key result indicators, managed Administration teams and
Relationship teams and driven achievement of all budgetary and operational targets.
I have held Responsible Officers/persons position under APRA auspices.
CAREER ACHIEVEMENTS
o Established the Lenders Mortgage Insurance (LMI) business of the Allco Finance
Group, involving the design and implementation of the full mortgage credit operating
platform, assessment rules, audit/compliance protocols, reinsurance arrangements,
and key staff recruitment. (The Mortgage Insurance Company – TMIC).
o Developed credit strategies for Royal & Sun Alliance Lenders Mortgage Insurance
including an electronic underwriting platform, and was the first to apply “on site”
mortgage credit underwriting teams in Australia”

2. o Appointed to lead the Project Team which successfully introduced the Lenders
Mortgage Insurance business of Royal & Sun Alliance global into the New Zealand
market.
o Appointed by Radian LMI, a USA Philadelphia based Mortgage Insurer, as their sole
Australian Representative.
o Recognised internally with Global Managing Directors award for Business
excellence.
o Led a combined Mortgage Underwriting and Operations division (50 persons) with
Royal & Sun Alliance across both LMI and General Insurance / Financial Risks
businesses, for Australia and NZ.
o University of NSW Institute of Administration Executive Development Program.
o Previous representative for the Insurance Council of Australia (LMI) 4 years.
KEY SKILLS
o Deep mortgage credit and underwriting management experience and relationship
management.
o Structural design excellence in establishing operational teams.
o Strong hands on risk management skills, compliance planning and implementation.
o In depth knowledge of the Lenders Mortgage Insurance Industry, Mortgage Lending,
Banking, Origination, and Credit Operations platforms.
o Strong Interpersonal skills including relationship building and mentoring of staff to
achieve full understanding of senior management strategies and protocols.
o Public Speaking – Presentation skills.
o Ability to translate business requirements into operational design.
EMPLOYMENT HISTORY
Currently:
Chief Underwriting Officer – BT Financial Group, as part of the overall Westpac
Group.
I was approached by BTLMI (inclusive WLMI) the Lenders Mortgage insurance captive
operation of Westpac Group. My responsibility is in setting the credit parameters, pricing
policy, operational process maps and Underwriting levels/referral processes across all
channels of the bank for mortgage product including Westpac Bank, St George Bank, Rams,
Bank of Melbourne and BankSA. This is a senior management team appointment.
April 2009 to July 2012:
AIG Mortgage Risk Solutions - Chief Risk Advisor.
Appointed to consult and implement a suitable platform to enable the ongoing LMI business
in Australian / New Zealand, including creation of required policies and procedures and
compliance framework.

3. July 2004 – 24th
December 2008
The Mortgage Insurance Company (an Allco Finance Group subsidiary) –
Chief Executive Officer (CEO).
TMIC was a small divisional company of the Allco Group, and I was appointed at inception of
TMIC, an authorised APRA Insurer.
Responsible for the full design and implementation of the operational platform in accordance
with APRA compliance standards and operating licence conditions. Implemented the Risk
policies both Financial, and Operational, governance requirements, Credit policy
parameters, Operational platforms, Underwriting Standards, Collection policies and Business
Continuity / Disaster Recovery Plans.
Recruited senior staff to all key positions and instituted Board.
April 2003 to July 2004
Lenders Mortgage Insurance / Credit consultant.
Self Employed - Managing Director Martin Henryand Associates.
Primary contract with US based Radian Lenders Mortgage Insurance, as their Australian
representative.
Focussed on assessment of Australian based LMI portfolios, from a credit standpoint for
Radian’s potential future expansion plans, and modelled ROI for securitised “wraps”.
Engaged directly with Bendigo Bank, in the sale of their Captive LMI business to Radian.
Westpac Lenders Mortgage Insurance. Primary focus was a diligence review and restructure
of their internal credit documentation and policy library including the Master Policy and Credit
Underwriting Policy.
1993 – April 2003
Head of Lenders Mortgage Insurance Aust & NZ – Royal & Sun Alliance (RSALMI)
Reported directly to the Global Group General Manager, responsible for over 50
geographically remote national staff, within 5 operational business units, comprising Credit,
Underwriting, Claims /Recovery, Administration, Quality Assurance/Validation – retail and
statutory. Specific responsibilities included;
 Strategic thinking, future operational planning
 Design and implementation of all LMI credit product parameters and initiated “On
site” underwriting teams and platforms.
 Electronic capture of data feed “live” for policy records and single history capability.

4.  LMI Pricing/Rating reviews, liaison withal Ratings agencies..
 Design of electronic and manual processing tools, including Data integrity design
across the full suite of mortgage products for mapping and reinsurance parameters.
 Project managed the implementation of multiple B2B arrangements between RSA
and external Lending Institutions.(15)
 Development of a detailed Risk Analysis Program – Provided detailed Portfolio
Analysis.
 Maintained senior relationships under the RSA “Preferred Customer” strategy.
 Represented RSA on all external regulatory and industry committees.
 Staff Mentoring and guidance.
1990 – 1993
General Manager/Senior Manager - Waratah Mortgage Corporation
A niche securitisation and origination management company which also dealt with all LMI
companies in Australia. Responsible for all facets of mortgage origination and management,
credit , process and approvals.
1984 – 1990
Senior Manager – First Pacific Mortgage./ Mortgage Finance Australia.
As above
INDUSTRY ACCOMPLISHMENTS / COURSES COMPLETED
 Appointed Associate of the Mortgage Industry of Australasia (AMIAA) 1987
 Insurance Council of Australia LMI Committee representative and Chairman.
 General Insurance Code of Practice – 23/4/96, 98, 2000, 2004, 2008.
 Belbin UK. Profile Program (Individuals and Teams) 1996, 1999, 2000, 2004.
 Psychological Project Management 1997
 Stanford University – Contemporary Psychological Theories 2006
 University of New South Wales , Institute of Administration– Executive Development
Program – “live in intense learning” graduate 2001.
 Steven Covey - The 7 Habits of Highly Effective People- “Certificate”
 Justice of the Peace until 2010 when deciding to lapse renewal.