Clive Kornitzer, chief operating officer Kornitzer joined Charcol in 1997 as franchise development manager, and in December 1999 he became the director of special projects. In this role he was responsible for directing consultancy projects both in terms of strategic review and implementation, setting up an innovative e-commerce online trading platform and improving the efficiency and effectiveness of the key Charcol business units. In 2002 he became the head of retail quality assurance at Bradford & Bingley, and then in March 2004 rejoined Charcol as chief operations officer to focus on improving operational efficiency.
Peter Barrett, managing director Barrett has held a number of senior positions in the UK financial services industry. Prior to joining Charcol, he was managing director, retail for Bradford & Bingley, responsible for the group’s retail businesses, comprising all the bank branches and estate agency business, as well as The MarketPlace. Before that he was managing director of Goldfish, the credit card company, and led the business into a joint venture with Lloyds TSB to create Goldfish Bank, which today offers savings accounts and personal loans alongside credit cards.
Walter Avrili, head of product development Avrili joined Charcol from university in 1984. He began his career in administration and moved into sales in 1986. From 1998 to 1999, he was Charcol’s operations and sales director, in which period he increased the number of sales advisers from 15 to 40. In 1994 he became the technical director. In this role he was responsible for negotiations with lenders and was part of the team that sold Charcol to Warburg Pincus in 1998. From 1999 to 2000 Avrili was instrumental in setting up Charcolonline, after which he became the technical director at Bradford & Bingley. Since 2002, he has been head of mortgage development at Charcol.
Ray Boulger, senior technical manager Boulger has spent all his working life in financial services, initially training for five years with a firm of chartered accountants and then spending 18 years as a stockbroker. He spent most of his stockbroking career as an institutional gilt edge and fixed interest salesman. Boulger is an IFA and initially joined Charcol in 1989 as a consultant. He has been in his current role of senior technical manager for mortgages for six years. His principle functions include lender liaison, including negotiation of exclusives, assessing new mortgage products and advising staff on these, together with interest rate/economic updates as appropriate and extensive public relations work including frequent telephone and radio interviews. Boulger is also a board member of the Association of Mortgage Intermediaries.
Candice Hodgson, marketing director Hodgson is responsible for marketing, public relations and Charcolonline. She joined Charcol as marketing director in 2001 and is responsible for all marketing communications for the Charcol brand. In 2003, Hodgson was appointed retail brand director of Bradford & Bingley Group, taking on additional responsibility for the Bradford & Bingley MarketPlace brand and its advertising strategy. Prior to joining Charcol, Hodgson was marketing communications director of Interactive Investor International. She was responsible for building the Interactive Investor brand and managing all communications activities for the company’s flotation on the London Stock Exchange and Nasdaq in February 2000. Hodgson’s earlier career was with the Investec Group where she was head of brand management for Investec Asset Management and Investec Investment Management Services.