Karl B.

WORK HISTORY

EDUCATION

ABOUT KARL B.

Co-founder, fintech and banking senior manager with 20+ years’ experience, across all types of lending with specific focus on specialist mortgage lending, both pre and post financial crisis. Part of the management in the creation of, direction and building of a private equity backed to fully self-funded banking model, through flotations and mergers across multiple lending entities•Building of Credit Risk Framework and appetite for UK regulatory lending approval•ICAAP/ILAAP modelling and documentation for lending permissions and on going regulatory compliance and business resilience• Forward Flow, and asset purchase appraisal and deal execution• The loan servicing, reporting, modelling and pricing infrastructure of a FTSE 250 Challenger Bank• Asset cashflow modelling (including EIR, RoE, modelling and reporting)• Analysis, and Reporting on in-house, purchased and public RMBS liens, across all key risk performance measures • Commercial Risk based pricing Basel 3, Standardised and IRB• Pool valuation - Purchase, and Advisory• Pipeline and liquidity forecasting• Boarding, off-boarding of loan servicing•Outcome and KPI setting and monitoring for Consumer Duty•Portfolio management and reporting•Commercial Capital efficiency (Basel 2 and 3)