Ela Terlecka

I am a highly motivated and an enthusiastic individual. I am able to use my own initiative, work as part of a team or individually. I thrive under pressure to meet challenging deadlines and objectives. I am a first-class communicator and have good organizational skills. I have the necessary will and determination needed to succeed in any goal set myself.

Mortgage Administrator - Cobalt Financial

(2025-10 - 2026-07)

• Submitting residential, BTL portfolio applications, product transfers to the lenders
• Obtaining necessary documents, information from clients, accountants and uploading them to the lenders
• Helping clients to complete Properties Portfolio Schedules, Asset&Liabilities, Portfolio Landlords Business Plans, etc
• Checking and sending offers to clients
• Creating new cases and completing a mortgage system(Smarter) with clients mortgage information, uploading compliance, financial documents to Smarter, do IDV checks
• Liaising with solicitors on completion process
• Providing general office duties

Mortgage & Protection Administrator - Just Mortgages

(2025-03 - 2025-08)

• Provide administrative support to mortgage advisers and clients
• Managing the paperwork and communication necessary to process mortgage applications. This includes managing documentation, client communication, and ensuring smooth progression of applications through the approval process
• Checking and sending offers to clients and solicitors
• Liaising with estate agents and solicitors on exchange and completion process
• Managing process of mortgage protection, life covers for clients; make sure they go on risk; renewal quotes when required; help clients with protection process
• Providing general office administration support

Underwriting Assistant - Spring Finance Limited

(2023-01 - 2024-12)

• Assisting Underwriters with day to day administrative tasks by doing searches, a credit risk, preparing files for Underwriter's review
• Doing borrowers speaks before issuing a formal offers
• Issuing formal offers to borrowers
• Preparing Solicitors packs for completion
• Doing completion and liaising with any Solicitor's enquiries on completion
• Providing update on cases to the brokers
• Set up a new brokers and users on system
• Reviewing own case pipeline of 1st charge mortgages
• Ensuring smooth operative and effective communication between Underwriters and Brokers
• Undertaken projects and any ad-hoc tasks of work on management request

Senior Mortgage Administrator - Vintage Wealth Management Ltd

(2013-03 - 2022-12)

• Trigold searches
• Provide Key facts Illustrations along with the other paperwork to clients
• Submit applications online to lenders
• Package documents and forward to lenders
• Check progress of applied cases, progress to offer as soon as possible and keep spreadsheet up to date
• Ensuring acceptance of terms and mortgage offers are received promptly and checking these against the application and the KFI
• Keep in contact with lenders and update Advisers on progress of applications
• Liaise with estate agents and solicitors
• Call all offered cases to check if they have been completed
• Send review letters for all cases that are due for review within a four months time period
• Answer any queries on procurement fee payments from Accounts Department
• Chase payment of procurement fees that overdue by more than four weeks

Accounts Assistant - Vintage Financial Ltd

(2006-03 - 2013-09)

• Sales Ledger / Credit Control – raising invoices and credit notes, recording on Sage on a daily basis, chasing payments
• Purchase Ledger- checking invoices with the orders, requesting copy invoices if requied, entering on Sage on a daily basis, processing payments by cheque,BACS, CHAPS on a weekly basis
• Cash Book/ Petty Cash
• Bank Reconcilitions – five seperate accounts on a weekly basis
• Prepayments – preparing on Excel, posting on Sage on a monthly basis
• Accruals/Accured Income – calculate and post on Sage on a monthly basis
• Posting General Ledger Journals
• VAT Returns – prepering online quarterly
• Credit Card Reconcilitions – matching with recipts, coding, posting on Sage, reconcile monthly
• Processing staff expenses
• Fixed Assets – administration and monthly depreciation
• Dealing with commission queries from Insurance Companies, paying to the Advisors
• Banking – opening and closing bank accounts, transfering money, stopping cheques, payments, setting up standing orders and direct debts
• Assisting with cash flow forecasting
• Assisting with production of monthly Management Accounts
• Assisting in the year end audit process
• General office admin duties

Advanced Mortgage Advice & Diploma in Regulated Financial Planning - CII (2017)

MP& ER - CII (2013 - 2014)

AAT Level 3 - London (2004 - 2005)