Jo initially joined the business in 2010 when sub-contracted by MBC Accountants as a corporate finance and strategy consultant, before joining the board full-time in 2011 as operations director.
Jo has overseen a huge restructuring of Crystal under his tenure, and the business continues to grow following a recent rebranding and relocation.
Outside of work, Jo is a family man with two young children, and is an Aston Villa season ticket holder.
Bobbie helped set up Crystal Specialist Finance in 2002, and has been in the Financial Services industry for 20 years. As the CEO of the company, she attends board meetings on a quarterly basis and works with the Senior Management Team on Project Implementation. Bobbie’s involvement has been more relaxed in the last 5 years due to the progression of her Fine Art degree.
Bobbie is a keen sculpture and photographer, which ties in perfectly with her degree speciality. She also enjoys cooking, listening to music and walking her dogs with her husband, particularly when visiting Devon.
Kris has been with Crystal since September 2007, and joined from Portman Building Society. He has worked in all of the teams at Crystal, and now is responsible for the Operations of the business and resolving complaints. He enjoys working with our brokers to solve problems and is passionate about service.
Outside of work, Kris enjoys music and sports, especially football and signing up for regular mud runs around the country.
Wendy started working for Crystal in January 2004, having previously worked with finances for over 30 years. She originally joined the Marketing team, working her way up to her current position of Office Manager. She is also responsible for company HR and manages all internal finances.
She has a passion for rock music, and is currently learning to play the drums. When relaxing she likes to watch B horror movies.
Anna started working for Crystal in June 2016. She is new to the financial industry, with her background being in sales and operational roles in the Leisure and Aesthetic industries.
Anna now supports the Operations and HR areas of the business, ensuring that systems and procedures are in place and adhered to while ensuring all staff are being developed via our in-house Training Academy.
Outside of work, Anna enjoys participating outdoor activities with her family and pet Labrador.
Dan joined Crystal in May 2016 and is one of the newest additions to the team. With six years’ experience working in the financial services industry, mainly and most recently as a mortgage and protection advisor, he is now part of our Business Development team.
Dan has a passion for sports and would consider himself an adrenalin junkie. He also enjoys playing the piano when given the chance.
Sean joined Crystal in March 2015, having previously working in the retail industry. He uses his strong customer service skills in his current role of Business Development Executive, regularly dealing with our brokers to convert their enquiries into quotes.
In his spare time Sean likes getting his hands dirty, with his main focus of interest is working on his car. He also enjoys attending motorsport days and fishing trips.
Crystal is Jacks’ first taste of the finance sector, having started in September 2016. Prior to joining the team, Jack worked in a call centre in the “exciting” world of frozen food distribution; so he is looking forward to every day being different in the specialist lending arena.
Away from work, Jack plays football (poorly) twice a week and enjoys nothing more than socialising with his friends over a few pints and binge watching TV shows.
Toby came to Crystal in June 2009, straight after completing his Business and Marketing degree. Joining the family business, he has worked his way up to Head of Underwriting. He deals with a variety of propositions and coming up with a solution/outcome for our intermediary customers.
When not at work, Toby is an avid Aston Villa supporter and a proud season ticket holder. He also enjoys socialising and travelling.
Tom has been working in the financial sector for the past six years, beginning at high street lender Nationwide before arriving at Crystal in April 2015 as an Underwriter.
Before embarking into the world of work, he was an avid traveller, exploring Australia and Asia. Now he’s a little more grounded and enjoys football, golf, cricket, watching films and listening to music.
Roger has been in Financial Services for over 47 years, and helped set up Crystal Specialist Finance in 2002. Although retiring from the firm in November 2015, Roger still operates on a consultancy role within the business, allowing the underwriters to call on his vast experience and knowledge.
Roger enjoys listening to classical music when relaxing, along with walking his dogs with his wife. He also loves visiting the Devonshire countryside whenever he gets the chance.
Emma has worked for Crystal since January 2003, and is the longest serving employee. With a Sales and Administration background, Emma is currently an Underwriters Assistant, helping our Introducers to convert their enquiries to applications for many years.
She grew up in Hastings, but has lived in The Midlands for the past 25 years. Out of work, she enjoys live music, going to the theatre and she can make stained glass windows.
Jemma joined Crystal in November 2015. Coming from a strong customer service and banking background, she now working as a Financial Consultant, dealing with all of our direct clients to convert their enquiries to applications.
Jemma always has a positive outlook, who lives life to the full. Out of work, she has a strong passion for dance performing at the London Royal Albert Hall and Disneyland Paris.
Richard started his second stretch at Crystal in February 2015, after originally joining in 2003. With 15 years in Financial Services, he has previously worked for lenders, packagers and brokers. Currently Head of Lending and Governance, part of Richard’s role is to oversee the daily running of the Lending Managers. He also continues to advise, being a fully qualified Mortgage Adviser.
Richard is a lifelong Aston Villa FC fan and spends his spare time with family and friends.
Greg joined Crystal in September 2015, and has been working within the financial and banking industry for corporate and small business since 1998. During this period, he managed his own Mortgage Brokerage for five years. Now a Lending Manager, he specialises in residential and buy-to-let cases, assisting our brokers to provide timely solutions for their clients.
Greg has a passion for most sports including football and snooker and enjoys nothing better than relaxing with family on weekend breaks.
Kieran joined Crystal in October 2015, having previously worked his way up through the ranks at NatWest Bank and RBS. With over 8 years’ experience in the financial industry, Kieran is now Lending Manager for Commercial mortgages, working mainly with prime high street lenders to get the ‘difficult’ deals through.
He is a keen football fan and Nuneaton Town season ticket holder, and has been to over 300 football grounds! He also loves to travel, recently visiting Hawaii and Australia.
Andy began working at Crystal in March 2015, heading up the BDE team and looking after brokers in the London region. After completing his degree in Social Welfare, he went on to work in account management positions within the media marketing and distribution channels. Now Andy has joined the Processing team and is responsible for ensuring applications are processed within a timely manner and adhering to lenders guidelines and criterion.
Outside of work, Andy enjoys partaking in football friendlies with both work colleagues and friends. He is also an accomplished drummer.
Nikeeta started working at Crystal in February 2016. With five years’ experience in the Financial Services industry, she previously worked in Asset Finance at Shire Leasing PLC and Secured Loans at Ocean Finance. Now as a Second Charge Loans Processor, she deals with all second charge mortgages from application stage through to completion.
When she’s not in work, Nikeeta enjoys spending time with her family and is also an exercise enthusiast.
Parminder has worked at Crystal since October 2008, joining the company fresh out of University. She has had a variety of roles within the company. Currently working as Third Party Liaison Officer, Parminder is the first to receive all cases to conduct the relevant searches.
When she has obtained freedom from the office, Parminder likes to relax at home or go out with friends or family. She loves her Kindle and horror movies are her favourite.
Gemma began working at Crystal in January 2014, previously working in a marketing role in the automotive industry. She is now currently one of our Lending Managers, responsible for processing both development and high risk cases.
Outside of work, Gemma enjoys playing racquetball and travelling to new destinations, both around the UK and abroad. She also has a strong dislike for bananas and peacocks.
Lexi is used to working in an office environment, but Crystal is her first step into the bustling world of specialist lending. Being new to the industry, she enjoys the challenge of getting to grips with the products, terms and brokers she encounters day-to-day. With the support of her colleagues in the processing department, she’s quickly become a key asset in her team.
When she’s not at the office, Lexi spends her time hitting the shops, dining out and grabbing the odd glass of rosé, as well as spending time with her family.
Dave started at Crystal in October 2007, having worked in the Financial Services industry since 2004 at HSBC and HFC. Now Head of Legal Services, he manages a small team that ensures the completions process is not delayed or drawn out. He is regularly involved in dealing with all stakeholders in the completions process until the facility is drawn down.
When he is not at work, Dave is an avid fan sports fan. He enjoys football, rugby and Formula 1 racing.
Kamila has worked for Crystal since March 2014, having previously worked as an administrator for a Barristers Chambers legal team. She lived in London for seven years where she completed her degree. Now working as one of our Completions Managers, she specialises in unregulated term loans.
Kamila loves sports, particularly dance; having been a professional ballroom and Latin dancer for 10 years. She also likes art, music, travelling and good crime book.
Phil began working at Crystal in October 2013, previously working in a variety of roles at Birmingham Midshires for four years. He now processes Prime and Near Prime mortgage applications from post offer through to completion, resolving any mortgage and legal queries that spring up along the way.
Phil loves spending time with family and friends, and long evening walks with the love of his life (his dog). A keen football fan and Sunderland supporter, he also dislikes pears and has an irrational fear of ants.
Laura joined the Crystal team in January 2016. After completing University in 2011, she has continued to work her way up in Marketing in a variety of industries. As Marketing Manager, Laura is responsible for the Crystal brand and all associated marketing activities within the company.
Laura enjoys reading and travelling around the UK and abroad. She is also a Harry Potter fan, visiting the Warner Bros Studio Tour twice within the first 3 opening months.
Sam’s only just started her adventure into the world of finance, joining the Crystal team in April 2016. Her background lies in digital content creation and social media, so she's excited to bring a creative flair to Crystal. Her role as Marketing Assistant sees her looking at the digital side of things: writing emails, posting on social media and blogs.
When she's not at work Sam's usually found curled up with a glass of red and a comic book. She also loves kiteboarding (weather permitting), photography and live music.
Gavin started working at Crystal in January 2016. With 15 years of experience in IT Management and development technologies for London corporate Media and Medical based firms, he decided to bring his family to Tamworth. As IT Manager, he now spearheads the Crystal development to ensure we are ahead of the game.
Gavin loves the London sites and atmosphere, so visits the capital city whenever he can with his family.