Emma Murphy
About Emma Murphy
Emma Murphy is a Senior Risk Underwriter at Nationwide Building Society, where she has worked since 2020. She has a diverse background that includes roles in education, coaching, and risk underwriting, with experience in managing credit risk for Buy to Let mortgages.
Work at Nationwide Building Society
Emma Murphy has been employed at Nationwide Building Society since 2015. She initially served as a Mortgage Case Owner for two years before transitioning to the role of Underwriter for 11 months. In 2018, she became a Risk Underwriter, a position she held for two years. Since 2020, she has advanced to the role of Senior Risk Underwriter, where she manages credit risk underwriting mandates, particularly for Buy to Let mortgages with loan exposures up to £2 million. Her responsibilities include handling high-risk referrals and decline appeals.
Education and Expertise
Emma Murphy studied at Bournemouth University from 2006 to 2009, where she earned a Bachelor of Arts (BA) degree in International Leisure Marketing. This educational background has contributed to her expertise in risk assessment and management within the financial sector, particularly in mortgage underwriting.
Background
Before her career in finance, Emma Murphy worked in various roles that contributed to her diverse skill set. She was a Primary School Teacher at Dorset County Council from 2012 to 2015 and served as a Coach for British Gymnastics from 2004 to 2010. Additionally, she worked as an Account Manager at Debt Line for five months in 2011, gaining experience in client management and financial services.
Achievements
In her current role as Senior Risk Underwriter at Nationwide Building Society, Emma Murphy is responsible for underwriting mandates that include lending to Limited Companies. Her experience in managing high-risk referrals and decline appeals demonstrates her capability in navigating complex financial decisions and risk assessments.