Miklos Toth

Managed high-volume residential and buy-to-let mortgage applications end-to-end in line with lender criteria, FCA requirements, and internal risk policies. Analysed customer financial profiles, identified fraud risks and red flags, and used digital workflows and AI-assisted tools in a fully remote environment.

Assessed residential and buy-to-let mortgage applications, completing income verification, affordability analysis, credit file reviews, identity verification, anti-fraud checks, and land registry investigations. Managed stakeholder expectations, maintained audit-ready documentation, and monitored pipeline performance against SLA and completion deadlines.

Led and developed a team of 20 colleagues, focusing on collaboration, accountability, and performance. Conducted quality assurance checks to support compliance, delivered onboarding and coaching, and resolved operational issues and escalations to maintain service standards and business continuity.

Provided high-quality customer support across telephone, email, and other channels while meeting service standards. Managed customer account creation and updates, handled billing enquiries using a CRM, and coordinated with internal teams to resolve complex issues and deliver timely customer solutions.

Managed sales activity across the company’s largest geographical territory by building and maintaining relationships with new and existing clients. Sourced and secured new business through proactive prospecting, cold calling, and lead qualification, while maintaining accurate sales records and pipeline updates.

Studied cyber security governance, risk management, information security, digital forensics, and network security. Completed research and practical projects applying analytical and problem-solving skills.

Studied strategic management, organizational behavior, leadership, project management, and business operations. Completed coursework in finance, marketing, and business strategy.