Annabel MacLean

• Assisted skilled tradesmen to complete projects.
• Experienced in using and maintaining specialized tools and equipment associated with trades.
• Reinforced constructions techniques and proper use of hand tools, power tools and equipment to encourage worksite safety.
• Experienced in reading drawings and work scopes to correctly strip mining equipment of liners, and replace to specified scope.

• Bussed and reset tables to keep dining room and work areas clean.
• Cultivated warm relationships with regular customers.
• Set up dining room to promote welcoming environment and meet or exceed hospitality and service standards.
• Served food and beverages promptly with focused attention to customer needs.
• Worked with POS system to place orders, manage bills, and handle complimentary items.

• High level of physical fitness, living in shared accommodation located close to the farm, experiencing extreme humidity/hotter climate
• Continuous lifting of full crates of bananas to stack
• Safely driving tractors and trailers through farmland
• Worked effectively in fast-paced environments.
• Skilled at working independently and collaboratively in a team environment.

Level 3 Personal Trainer qualification along with a boot camp and circuits qualification; regular self-education, tailoring training and nutrition plans to individual clients.

Online marketing through social networks to boost my client base.

Running female-only classes in busy gyms, and outside during the pandemic. Self-management; ensuring working efficiently to clients’ goals/needs, maximising sales, representing myself as “the brand”.

• This is a business lending underwriting assistant role, through my time so far I have collected the following roles:
• Parse financial accounts: Speed and accuracy are crucial; not only is there a high volume of FA, but there can be unacceptable discrepancies, sometimes being trickier to spot, so complacency isn’t an option. Reviewing Companies House to ensure accounts and confirmation statements and financial accounts are up to date and accurate, then entering the model on SalesForce
• Complex Shareholding: Using companies House to find the correct 50% Shareholders to enter the model, which can involve a rabbit hole of parent companies. Liaising with brokers and sales reps to request the correct details of the Shareholders, and that the businesses are within policy
• Post Offer Checklist: Working closely with underwriting, after applicants have received their initial offer, further rigorous checks are completed; I ensure that all information is accurate and up to date with Companies House, as well as meeting specific lending criteria. Pulling director reports and consumer credit reports, if not automatically generated. Based on the information which I find during this checklist process I may need to refer to the fraud team and underwriting to determine eligibility.

• Managed a team of 6-8 electricians as well as PA to director, liaising with landlords, tenants, accounts departments and Councils
• Implementing a digital booking system allowing for bookings to be managed by assigning specific electricians, including addresses linked to google maps, pictures and notes for necessary details of appointments
• This gave the following positive outcomes:
• Maximising profits: ability to match invoices/purchase orders to jobs - correct time keeping for appointments, log of tools/supplies
• Facilitated winning new contracts with Havering Council and Hastoe Housing, increasing revenue.
• Handled day-to-day office operations and resolved any conflicts.
• Maintained central calendars and shift scheduling to meet important deadlines.
• Managed team workload to reach targets for specific tasks.
• Delegated daily tasks, addressed employee questions and resolved scheduling issues.
• Used advanced features of Microsoft Office to complete necessary reports for senior management review.

• Work on sites around the Southeast of England, London inclusive
• Perform setup and cleanup tasks at job site
• Lift heavy loads upwards of 30 kg and navigate construction job site terrain
• Provide labour support as needed for specialty crew.

• Underwriting loans with a mandate level of £25,000 using in-house and third-party systems such as Equifax
• Ensuring the risk of each deal is managed using loan to income and debt to income ratios, while investigating potential frauds/PEP/BoE matches
• Maintaining knowledge of company and industry policies and processes, identifying areas of improvement
• Managing suppliers to obtain more information on applicants as required
• Managing customer complaints in accordance with company complaints policy
• Dealing with retailer and customer product enquiries
• Assessing CIFAS (Credit Industry Fraud Avoidance System) and Systematic
• Integrity Risk Analysis (SIRA) referrals, sending decline letters where appropriate and referring suspicious applications to compliance.
• Explained very technical financial information to applicants in easy to understand language.
• Processed loan applications and monitored progress from start to finish.
• Assessed loan portfolios for compliance with underwriting policies.

• Credit assessment of individuals for car finance in accordance with internal policies using Equifax and checks rigorous creditworthiness / affordability checks using wage slips and bank statements
• Approving loans up to a sanctioning limit of £5,000 individually or £10,000 jointly
• Detailed explanation to borrowers of the implications of the credit agreement entered
• Chasing outstanding documentation from both car dealers and customers
• Liaison with CreditCarSales (Dealership) to ensure compliance with the relevant FCA regulations.