Tandem 2024 | How to Read Credit Files

How to Read a Credit File – a minefield of data, what does it mean? Tandem Bank will provide an in-depth view of the credit file, highlighting key areas of interest that will allow you to broaden your understanding of how they are used to assess a mortgage application.

*credit score/credit search *reasons behind credit score declines *missed or late payments or worst status – what does this mean?

Speaker: Mark Shelper

Mark’s role at Tandem includes creating and developing relationships with brokers, networks, packagers and mortgage clubs. As a Key Relationship Manager, he always seeks to assist mortgage intermediaries using his industry knowledge and experience. Mark has over twenty years of experience in the mortgage industry. He started his career in mortgage processing in 1999 at Bristol & West before moving on to the sales team as a telephone BDM and ultimately progressing to the field-based sales team.

In 2005, he joined GMAC RFC as a BDM before setting up his own mortgage business and working as a self-employed mortgage adviser in 2007. He returned to BDM work in 2012 with Aldermore and then moved on to Pepper Money in 2016 as he continued to grow and establish himself in the specialist lending start-up area of the market.

After 18 months as a BDM working in the conveyancing sector for SortRefer, he joined Tandem Bank as a Key Relationship Manager in July 2022. Mark has two daughters and loves taking time out with the family outside of work. His other interests include MotoGP, football and boxing.

Speaker: Roger Morris

Roger is well known to intermediaries for his tireless work in championing the specialist lending market over many years, having brought his first-hand knowledge of the market to bear as a successful BTL landlord and property developer.

With over thirty years in the industry as a broker and lender, he owned and ran one of the largest packagers in the UK and then was instrumental in establishing Precise Mortgages as a principal player in the specialist lending market.

In 2022, he joined Tandem Bank to spearhead the Mortgage Division’s recent move into the intermediary market. With an encyclopaedic knowledge of all aspects of the specialist market, he is especially known for his crusading work in educating brokers to help them see and grasp opportunities to expand their services to clients