Home / Our team / Foundation team / Emma Annis
» Get in touch
Emma Annis
Client Support
Emma Annis is a seasoned professional with over 20 years of experience in the Financial Services and Banking sectors. Throughout her career, she has developed a strong foundation in customer service, operational management, and quality assurance — all underpinned by her adaptable, people-focused approach.
For 17 years, Emma worked within Lloyds Banking Group, where she held a variety of roles across different departments. Her positions included Team Manager, Communications Officer, and Colleague Quality Assurance Tester, each offering valuable insight into internal operations, customer experience, and regulatory standards. These roles allowed Emma to build a diverse and transferable skill set, combining leadership, compliance, communication, and performance monitoring.
Before joining Lloyds, Emma spent several years working as a mortgage underwriter in the sub-prime market, where she gained first-hand experience in risk assessment, application processing, and lending criteria. Her time in mortgage underwriting strengthened her analytical skills and deepened her understanding of the broader financial landscape.
Emma is known for her collaborative working style, attention to detail, and calm, professional manner. She thrives in fast-paced environments where accuracy, communication, and customer satisfaction are key. Whether supporting internal teams or working directly with clients, Emma brings reliability, clarity, and a solutions-focused mindset.
Outside of her career in financial services, Emma is passionate about health and wellbeing. She enjoys staying active and has recently joined a women’s football team — combining fitness with fun and teamwork. She also loves spending quality time with her family and friends and is always up for trying new restaurants or enjoying meals out together.
With a wealth of experience and a positive, proactive attitude, Emma Annis continues to be a valuable asset in the financial and banking industry.
Clarissa Varza
Helpful, professional and efficient
Julie was so helpful, professional and efficient and worked very hard to get us the best deal Thank you so much for all your hard work I really appreciate it.
Andrew
Thoroughly recommend Paul and the team
My partner Caroline and I recently bought our first home, and we really cannot overstate how helpful and reassuring Pembroke were throughout the whole process. Without Paul and Julie, our contacts at Pembroke, we probably wouldn’t be moving at all. Paul got straight on the phone with us at the start of the process, managed to explain each step in a really informative yet simple way, and was extremely patient with our various ‘first-time buyer’ questions and emails. Paul found some great mortgage deals for us, explained the pros and cons of each element (like the length of our fixed-rate term), and gave sound advice that made us feel comfortable and prepared. We would thoroughly, thoroughly recommend Paul and the team at Pembroke to anybody, especially to first-time homebuyers.
Adam Charlton
Super helpful, communicative and full of advice
Fantastic experience with Paul and Julie. Super helpful, communicative and full of advice. Will not hesitate to use Pembroke in the future.
Jordan Mitchell
Fantastic service throughout the process of buying our first home
Fantastic service throughout the process of buying our first home. My partner and I were guided through the process and our circumstances were considered every step of the way. Efficient replies to emails and enquiries with constant updates throughout the process. Paul and Julie a credit to the company who we had personal dealings with throughout, right up to completion.
Kath Holloway
A very efficient team always ready to help
Would highly recommend. A very efficient team always ready to help and answer any questions.
