Kate Ley Cemap Cerer

Background

About Kate Ley Cemap Cerer

Certified Mortgage Consultant with proven success overseeing the entire lending lifecycle of mortgages, bridging & development finance, from request submission through data analysis, advice, risk mitigation, rate review, negotiations & agreement and compliance. A distinguished record of leading client focused, growth-orientated teams to achieve targets, Return-On-Equity (ROE), and average cycle time while improving conversion rates across varying asset classes. Expertise in sales and business development, evidenced by a track record of nurturing amicable relationships with introducers, lenders / underwriters, driving sales, recommendation of financial products tailored to clients need, and cultivating new business prospects in competitive markets of the UK: • Negotiated a development exit finance solution for a client facing difficulty selling semi-detached residential properties, securing a £1.29M loan against £1.85M security despite challenges with property pricing and market conditions. • Resolved a complex case with a client who incurred high debt using unsecured loans for a self-build project by presenting a detailed case with over 50 invoices and cost overview, leading to mortgage approval and reduced monthly outgoings from £3.4K to £1.3K+. • Built a thriving client base during the pandemic by generating leads through online sources, personal networks, and specialised Facebook groups, achieving a 12% conversion rate (vs. 7% industry average) and growing annual business revenue to £100K. • Increased business volumes by identifying market changes, expanding distribution channels, and launching new products and policies after demonstrating to senior management the need for adjustments in response to a competitive mortgage market. • Re-engaged a lending sales and underwriting team by building trust, identifying root causes, and introducing collaborative workshops and meetings, improving team engagement scores. • Identified and resolved system inconsistencies within the centralised call centre for service and MOT bookings across all UK sites by proposing a blueprint process to standardise vehicle coding across all sites. • Developed and implemented a comprehensive T&C Framework from the ground up to address the lack of existing training, compliance measures, and employee rewards while establishing a performance review system with monthly, semi-annual, and annual assessments.