My alarm clock rings at …
… no. I’ve always been good enough to wake up.
Usually I come to life around 7:30 a.m. I say “relive”, but that doesn’t happen until I have had my first coffee.
My current coffee is a Kenyan called Boma Peaberry, who comes from a roaster about five minutes from the office.
The challenges of working from home have been …
… Rare. We quickly adapted to telecommuting.
I think the challenges that might have arisen, like not having so much team spirit, were alleviated a lot by the video calls. I have never been so grateful to have good Wi-Fi.
One thing I missed was the ability to just go to people’s desks and ask them questions; although in all fairness I have probably taken advantage of the fact that people don’t come to my house to ask me questions!
Not all of the jobs where you can say you’ve helped people’s dreams come true, but this is definitely one of them.
I liked not having to commute. I work out of our head office in Leeds but live in Halifax and ride motorcycles for work. Before the pandemic, many mornings I would have been sitting at my desk like a drowned rat, so now I can stay dry no matter what happens outside.
The main objective of my work is …
… Develop our mortgage product line and lending criteria, with a particular focus on affordable housing – including programs such as condominiums, home buyer’s assistance and first-time homes – to ensure support for clients who need it most.
I am the company leader in industry affordable housing working groups, so I work closely with our intermediary and communications teams to educate brokers and consumers on developments in the company and market, and what it means to them.
I missed the chance to just go to people’s desk to ask them questions
A common misconception about my role is that …
… This pricing only raises and lowers prices. There is more nuance than that!
We have a loan plan that we are aiming for, but the price is only part of it. We try to take into account our service levels, the positioning of our criteria and the market demand.
I would definitely say that pricing is more of an art than a science. In all the years that I have done it, I have never found a mechanical and foolproof way to approach it. If I had, I’m sure I would have fewer wrinkles around my eyes.
I am really proud of my job and the fact that I end each day knowing that what I have done will have changed people’s lives.
My typical day includes …
… Checking each morning what apps we had the day before, and trying to figure out what the market activity looked like to determine if we need to make quick changes to our lineup in response.
Throughout the day, I will be answering questions from business development managers and brokers as to whether we will be lending on specific programs. There are many affordable housing programs out there and it can be difficult to know which lenders will support them, but I like to think that we are taking a sensible approach.
I will also work on larger strategic pieces; things like new government programs. I always keep Outlook and Excel open to ask / answer questions and do analysis quickly.
My favorite work memory is …
… All social events. We are a very close-knit team and we all have a great time with each other.
We have a loan plan that we are aiming for, but the price is only part of it
A highlight is a gin tasting, which I definitely only remember half the night!
There is probably some catching up to be done now that the world is opening up again.
An advantage of work is …
… By selling the advantages of affordable housing to whoever wants to listen. I am really proud of my job and the fact that I end each day knowing that what I have done will have changed people’s lives.
There are many affordable housing programs out there, but I like to think we are taking a common sense approach.
I told someone the other day that this isn’t all the jobs where you can really say you’ve helped people’s dreams come true, but this is definitely one of them. .
To relax after work, I …
… Drink a good Malbec, usually from Argentina. If I can pair that with a curry and some new indie music on vinyl, I’m a very happy man.