NAME: Guy Garrard
COMPANY: em Financial
JOB TITLE: Director of business development
WHERE DO YOU LIVE?
Bagshot in Surrey.
DESCRIBE YOUR JOB:
I am em's minister without portfolio. As best as any human can I back up Roger Morris on his one-man mortgage packaging crusade and am his political adviser when his collar gets warm. I am also em's representative on as many golf days as possible. My ambition is to play more corporate days than Paul Robinson at Solent.
WHAT WAS YOUR FIRST JOB?
Working for Royal Life in central London on a mortgage desk, a rare thing at the time. It was at the time when Royal Life inspectors used to go to the likes of John Charcol with a wheelbarrow to bring back the endowment proposal forms.
WHAT WAS YOUR LAST JOB?
A business development role at the infamous The Mortgage Placement Company. An interesting ride if you like roller coasters.
WHAT HAVE YOU DONE IN BETWEEN?
I worked at Mortgage Services Ltd, which became Hypo MSL, which became Birmingham Midshires MSL, which became RFC, which became GMAC-RFC! I had some interesting times in all those companies and worked with really good people. I suppose the most fascinating time was in the early 1990s working on the disposal of several thousand repossessions. I learned more about the mortgage market, its introducers, solicitors and valuers in those three years than in my other 15 years in the industry put together.
WHAT HAS BEEN THE DEFINING POINT OF YOUR CAREER?
A meeting in 1996 with Roger Morris. He told me that we would work together when the time was right and that we would be successful together.
AND THE MOST EMBARRASSING?
Possibly in 1990 as a young business development manager working for John Rice at MSL. I had to go to Liverpool, stand in front of approximately 100 self-employed financial advisers and explain to them why we had withdrawn several hundred mortgage offers as a result of a retrospective criteria change. It was certainly character-building. Or perhaps it's having to admit to believing any of Roger's predictions.
DO YOU HAVE A MORTGAGE?
Yes. I was with GMAC-RFC until it sold me to the Derbyshire.
WHAT'S YOUR FAVOURITE RESTAURANT?
The Lahore in Umberston Street off Commercial Road in London. Anyone who has been there will know why.
WHAT'S THE MOST YOU'VE EVER SPENT ON DINNER FOR TWO?
That would be telling.
WHAT'S YOUR FAVOURITE BAND?
I am proud to say that I have no interest in current musical trends and am happily trapped in a time warp. I refuse to even acknowledge anything not recorded between 1978 and 1990. If I had to pick just one, my desert island disc would probably be Talking Heads' Stop Making Sense.
WHAT'S YOUR FAVOURITE TIPPLE?
A lovely cup of freshly brewed Twinings English Breakfast Tea. My inability to cope with alcohol is well known. I just don't try any more and there are, let's face it, already too many experts in this industry.
HOBBIES AND INTERESTS?
I am a bitter Tottenham Hotspur supporter. Not proud but definitely bitter. And now I hear that Roman Abramovich wanted Spurs first… I have also been known to play the odd round of golf now and again. And I really do want to beat that Robinson bloke.