Aaron Robert Walton
Flat 6, Arabella Court, 176 London Road
Previously Underwriter in sub-prime car finance and recent Economics graduate. Numbers orientated with
advanced excel skills. Comfortable to work independently or in a group, very punctual, extremely organised and
Portsmouth University - BSc (Hons) Economics Sep 2011 - Jul 2015
Second-class honours, upper division (2:1)
During my course I studied quantitative economics, the modern British economy, both macro and micro
economics, business competition/regulation as well as financial economics amongst others. I particularly enjoyed
my business accountancy module where I managed to achieve 78% in my final exam.
My dissertation surrounded the testing of market power within 4 EU countries in order to determine whether or not
the banking sector needed more or less intervention, this involved collecting and analysing over data for over 400
banks, each with 10 years worth of financial statements and data.
Bloomberg Aptitude Test Nov 2014
Whilst at Portsmouth I independently, without guidance, took the Bloomberg Aptitude Test where I scored in the
77th Percentile worldwide.
Wilmington Grammar School for Boys Sep 2003 – Jun 2011
11 A-C GCSE’s with 3 A levels.
Religious Education A Maths B Economics B
Business Studies A Art B Business Studies B
English Literature A Citizenship B Computing C
English Language B ICT C
Science (double award) B Electronics C
Science & Additional Science B
The Car Finance Company - Junior Underwriter Dec 2015 – Jul 2016
Underwriting for the sub-prime car finance market, analysing relationship between income, principle balance and
financial risk. Requesting sufficient proofs in order to accurately assess risk, in regards to both customers and
vehicles, undertaken by the company.
Analysing different business procedures, providing proof and context in order to develop new methods.
Assessing customers credit profiles and assigning a product with different APR’s based on risk i.e. defaults,
credit slows, availability of search, age, income etc.
Requesting and assessing proofs to establish principle balances for customers. I.e. IVA permission letters,
bank statements, pay slips etc.
Calculating income for self employed customers and those who pose excessive credit risk.
Ensuring that vehicle makes, models, year and mileage fits the customer credit, budget and needs.
Rewrote procedure on how to calculate self employed income, taking into account busines s expenditure
and tax, in order to reduce risk.
Created excel spreadsheet to record exactly how income was calculated taking into account tax and
business expenditure, and to include this in the documents when signing for the vehicle, so that self
employed default rates were reduced.
Created formulae to set customer max lend limits using a percentage of income compared to monthly
payments, at the request of the head of underwriting, analysed the effects of this change.
100% on Core Compliance Program for Financial Conduct Authority Credit regulation regarding conduct
risk, data protection and financial crime.
Hydropool UK LTD - Tele Appointment/Events Planner Nov 2015
Independently arranged VIP consultations with potential customers and compiled an events report for a one time
sales event. This required knowledge of the customer database system as well as the ability to manage
consultant’s time based upon the strength of the lead.
Co-operative Independent Living (CIL) - Lead Customer Sales Advisor Oct 2014 - May 2015
Promoted to the Lead Customer Service Advisor (after only 4 months) due to my knowledge and insight into how
to increase efficiencies and reduce costs, as well as sales technique and telephone manner. Suggested changes in
working hours and helped manage staff downsizing from a team of 8 to 6 due to a reduction in required office
hours after I implemented the speeding up, and removal, of several redundant processes using my computing
knowledge of Excel and databases.
Developed & maintained customer relations. Resolved customer issues and requests efficiently.
Arranged tele-meetings with existing customers to resolve issues.
Responsible for online presence, e-bay and Amazon accounts.
Responsible for client transactions e.g. issuing refunds and fraud checking.
Prepared invoices and VAT back claims.
Prepared weekly financial reports and calculated profitability ratios.
Managing SagePay transactions.
Revitalised and made efficient old financial reports regarding returns data using excel formulas.
Effectively planned and executed improvements to current systems and procedures e.g. brochure, website
improvements and VAT relief procedure.
Suggested changes to working teams, hours and pay which effectively saved time and money by
increasing efficiency and reducing staffing levels by ~40%.
Made sound judgement on marketing opportunities, i.e. specialist brochures and magazines.
Royal Bank of Scotland (Churchill) - Work Experience May 2009 - July 2009
Assisted management to strengthen the control of underwriting operation i.e. discussed evidence for
claims with underwriting staff.
Managed daily servicing and reviewed process of commercial general insurance claims from clients.
Citigroup Inc. - Work Experience May 2007 - July 2007
Supported Steven Manzie in covering functions of Information Technology to enhance and improve data
management accuracy and efficiency.
Assisted the creation of stock reports in order to assist client investment.
Web Design Jan 2006 – May 2009
Whilst in education I freelanced my web design skills to create the front end of websites. This helped me to
develop and refine my computer skills, particularly in Microsoft applications.
Ability to touch type at pace & use computer short cuts, spreadsheets and programs effectively.
Proficient and experienced in Excel, HTML and PHP.
Ability to create interactive media using Flash.
Produced balance sheets and income statements with profitability and efficiency ratios.
Young Enterprise Sep 2009 – June 2010
Started a small company and issued shares with help of Young Enterprise scheme.
Independently developed customisable t-shirt distribution channels, designed and created a fully functional
Acted as company accountant creating balance sheets and income statements with financial ratios e.g.
ROA, ROCE, dividend yield etc.
Abilities and Interests
Language and Computer Proficiency
Advanced knowledge in Excel, PowerPoint, Word etc.
Proficient in E-views (for statistical analysis and forecasts).
Knowledgeable of several computing languages.
Beginners Cantonese and Japanese.
Programming and building computers from scratch.
Music: Playing the Guitar and Ukulele.
Sports: Fencing and Archery.
Availability and Contact Preference
Immediately available for the position, please contact me via email if possible.