CORPORATE PLAN

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							UNITED HOUSING ASSOCIATION
          LIMITED

 CORPORATE BUSINESS PLAN
       2011 - 2014
CORPORATE BUSINESS PLAN

Contents                                      Page

Foreword by Chairman                            3

Foreword by Chief Executive                     4

Background and Operating Environment            6

Our Vision, Mission and Values                  7

Key Strategies                                  8

Key Achievements 2010-11                        10

Corporate Objectives 2011-2014                  11

Managing Risks                                  18

Taking our Strategy Forward                     18

Financial Projections                           19

Key Performance Indicators (KPIs) & Targets     23

Organisational Structures                       24

Board and Executive Team Biographies            29




                                                     1
FOREWORD BY UNITED’S CHAIR
I am delighted to present this three year Corporate Business Plan (2011-2014) of United Housing Association (UHA). This Business
Plan, developed by residents, staff and board members, sets out our vision for the future and the steps that will be taken to build on past
successes.

Through an effective and modern governance structure, UHA will continue the pursuit of excellence. We will ensure efficiency and
innovation through customer involvement in improving service delivery. To accompany this, we will also effectively determine,
implement and monitor a strategy within the framework of strong financial control and diligent risk management.

Steady growth and diversification will be achieved through partnerships, regeneration and community development and attracting new
partners who share our vision.

Key to our success will be flexible, motivated and skilled staff members, committed to exceeding customer expectations through
excellent service delivery. We aim to provide an environment where employees can excel, reach their full potential and where UHA can
become recognised as an excellent employer.

At the heart of everything we do will be our customers. We are committed to improving their lives through community investment and
provision of sustainable, affordable homes and services, in partnership with others, that meet the diverse needs and aspirations of our
communities.

Many challenges and opportunities lie ahead. My fellow board members and I look forward to rising to those challenges to ensure a
bright future for United.


Jenny Vernon
Chair
June 2011




                                                                                                                                         2
FOREWORD BY THE CHIEF EXECUTIVE
Welcome to the readers of our Corporate Business Plan (2011-2014).

There is no doubt that housing associations continue to operate in challenging environments and particularly now, when the world has
seen fallen markets, recession and a depressed housing market. Despite these economic challenges, there is an increasing need to
provide affordable homes and housing services for people. There continues to be high deprivation in areas which have high
concentrations of BME people in the South-West and United will continue to strive to assist these communities whenever and however
we can.

Our short-term goals focus on improving what we do. We aim to improve customer satisfaction and are striving to provide services that
our residents can be proud of. We want to be a beacon for other independent small, specialist housing associations. We want to be an
efficient, high-performing social landlord for all and in particular one which respects, understands and delivers culturally sensitive
services to the diverse range of people who make up our communities.

Growth is still important to us, but not growth for growth’s sake. We believe that it is more important to sustain our financial viability,
particularly in the current economic climate and to focus on improving service to residents. To do this, we will continue to work in
partnership with others to provide new homes and services for people, helping to regenerate neighbourhoods.

There are a number of people who will contribute to our successes over the life of this business plan; the board, staff, residents,
partners, regulators and all who we do business with. We look forward to the years ahead.

Eileen Brown
Chief Executive
June 2011




                                                                                                                                         3
BACKGROUND AND OPERATING ENVIRONMENT
HISTORY OF THE ORGANISATION

United Housing Association (UHA) was formed in 1986 with the prime objective of advocating and providing good quality, affordable
housing and related services for the black and minority ethnic (BME) community in Bristol. It was set up because the needs of the BME
community were not being met satisfactorily by the local authority or existing housing associations.

UHA was registered with the Housing Corporation in 1987 and is the largest independent BME registered housing association in the
South West region and 9th largest in the country.

Since then UHA has expanded across Bristol into Bath & North East Somerset, South Gloucestershire, Swindon and most recently North
Somerset as there are significant numbers of BME communities (higher than the regional average) in these areas.

UHA has enjoyed on-going support from the Tenant Services Authority, local authorities (Bristol, South Gloucestershire, Gloucester,
Swindon and Bath). Successful strategic partnerships have helped to grow – the association now has 1032 homes in ownership and
management.

This year (2011) UHA celebrates its 25th birthday and it is therefore most fitting to thank all of the people who have supported United
over the years.




                                                                                                                                     4
BACKGROUND AND OPERATING ENVIRONMENT
THE NATIONAL CONTEXT

   In general
   The social housing sector has not, for a very long time, operated in such challenging times:
                 The affordable housing budget has been drastically reduced to just £4bn to 2015
                 The recent global recession has increased the cost of borrowing and stringent covenants are being imposed. The
                   financial market remains vulnerable
                 A reform of the welfare benefit system is taking place as part of the coalition government’s strategy to get people off
                   benefits and into work
                 Public sector spending reductions averaging 20% will take place over the next 3 years.
                 New legislation set out in ‘The Localism Bill’ will enact changes to future housing tenures, encourage mobility,
                   change Housing Revenue Accounting and regulation
                 The abolition of the TSA will take place in 2012, with the Homes and Communities Agency (HCA) assuming
                   responsibility for overseeing regulation, based upon economic and business risk
                 The demand for affordable housing continues to grow. The average age of a first-time buyer is 37
                 The 2010 Equalities Act is already under review
                 The need to save energy and implement sustainable environmental strategies is growing

Yet
         The demand for affordable housing is growing. There are 158,400 households on social waiting lists in the South West in
          2009 (Home Truths, NHF – Spring 2010)
         The average age of a first time buyer is 37 with 20% - 25% deposits required. Average house prices in the South West
          £210,830 in 2009
         BME people are more likely to live in poor quality, overcrowded accommodation in areas of deprivation
         7.7% of the working age population is unemployed, which represents 2.43 million people (National Statistics Office April 2011)

Despite these challenges we have aspirations to ‘be the best BME service provider, focusing on people and communities’. We aim t
provide services which are sensitive to diverse communities and we want to work in partnership with others to meet the needs of diverse
communities. Even though times may be tough, we will aim to provide new affordable housing through development and by taking up


                                                                                                                                       5
other opportunities for growth. Our business plan is reviewed annually and to take into account of a rapidly changing industry. Above all,
we will continue to pursue excellence in all that we do.

Our Vision, Mission and Values

In the past few months, the board, residents and staff considered what UHA should stand for, where it wants to be and what we are
passionate about. Our thinking and collaboration has resulted in a new vision and mission and a set of values which will serve the
Association over the life of this Business Plan. We are committed to building communities, not just homes.

Our Vision

To be the best BME housing and service provider, focusing on people and communities

Our Mission

To provide homes and services that enhances the quality of people’s lives

Our Values

   a.     Putting customers first
          - We listen to what our residents and other key stakeholders say, to learn, change and continuously improve

   b.     Respecting diversity
          - We celebrate difference and aim to provide culturally sensitive services

   c.     Improving quality of life
          - We work in partnership with others to provide quality services and build positive communities

   d.     Pursuing excellence
          - We strive to achieve high performance and provide services that are value for money

   e.     Valuing staff
          - We invest in our staff and provide a great working environment


                                                                                                                                        6
CORPORATE OBJECTIVES

We have determined five key priorities for UHA over the life of this Business Plan, which are set out below:

1     Excellent Customer Service

      To be the first choice association for customers by providing responsive and excellent customer services to diverse
      communities.

2     Organisational Strength

      To develop strong governance, effective management and financial strength in order to maintain long term viability, stability
      and independence.

3     Business Growth

      To expand and diversify in order to provide and manage homes and services for people.

4     Sustainable Communities

      To sustain and regenerate neighbourhoods by strengthening and developing strong links with the diverse communities and
      stakeholders in our areas of operation.

5     Excellence

      To strive for excellence and make best use of skills and resources in order to achieve continued business success.




                                                                                                                                 7
Key strategies
A number of key strategies inform the business plan
    Access and customer care

      Diversity and equality

      Resident involvement

      Value for money

      Effective Governance

      Risk Management

      Human Resources

      Asset Management

      Estate Management and anti-social behaviour

      Procurement

      Business continuity

   New and revised strategies in development
    Financial inclusion
    Environment and energy
    Income management
    Revised I.T. strategy
    Revised development strategy


                                                      8
Key achievements 2010-11

We are proud of the significant achievements delivered against our business plan objectives in the past two years. The highlights
include:

      Excellent Customer Services
       Held two successful residents’ conference
       Enhanced ways in which residents can be involved
       Commissioned and conducted a mock inspection and delivered service improvements prioritised by residents
       Changed repairs and maintenance contractors
      Organisational Strength and business growth
       Improved regulatory status
       Developed and implements a value for money strategy
       Acquired the management of 20 homes
       Developed local partnerships and progressed joint working and procurement
       Improved ratings for floating support services
      Sustainable Communities
       Provided equalities advice for local housing strategies
       Reviewed and published a new diversity and equality policy, strategy and action plan
       Enhanced how we deal with anti-social behaviour, in collaboration with the CIH Anti-Social Behaviour unit
       Collaborated with others to bid for the development of new homes
      Excellence
       Moved office to New Bond House
       Reviewed and revised a new Human resources strategy
       Developed a new website
       Achieved decent homes standards
       Completed a stock condition survey
       Completed a programme of cyclical maintenance and improvements.

                            For a full copy of our ‘Towards Excellence Plan, go to www.unitedha.org.uk




                                                                                                                               9
                                           CORPORATE OBJECTIVES – 2011 - 2015

To realise our corporate objectives, a number of strategic actions have been developed which are detailed below, together with our
financial plans and risk appraisal. These objectives have been developed in collaboration with residents, staff, board members and other
key stakeholders.



Objective 1: EXCELLENT CUSTOMER SERVICES
To be the first choice association for customers by providing responsive and excellent customer services to diverse communities

What we want to achieve                            Outcomes / Key indicators                             Target dates
                                                                                                11/12   12/13 13/14      14/15
1.1 A review of resident involvement, influence    Effective and meaningful engagement with       
    and scrutiny                                   residents
1.2 Implementation of the resident involvement     Effective and meaningful engagement with               
    review                                         residents
1.3 The commission of a customer satisfaction      Customer satisfaction is tested and action     
    survey and the development of an action        plans are implemented to heighten
    plan to address the outcomes                   satisfaction
1.4 Achievement of resident profiling targets      Information is collected which informs         
    and implementation of the customer insight     customer insight
    plan
1.5 Implementation of the customer insight plan    Current and future needs of residents are              
                                                   met
1.6 Joint events for residents, staff and board    Residents, staff and board members are all                         
    members to work together to shape              involved in the design and shape of
    business priorities                            business priorities
1.7 The development ‘Towards Excellence            Continuous improvement                                         
    Plan 2’ – the association’s detailed service
    improvement plan
1.8 Interactive web-based services for tenants     Accessible services and digital inclusion              

                                                                                                                                     10
1.9 Reporting of performance against service    Accountability against performance targets            
    standards in the annual report to tenants




                                                                                                             11
Objective 2: ORGANISATIONAL STRENGTH
To develop strong governance, effective management and financial strength in order to maintain long term viability, stability and
independence

What we want to achieve                      Outcomes / Key indicators                                   Target dates
                                                                                                11/12   12/13 13/14     14/15
2.1 The adoption and implementation of       The modernisation of the association’s rules        
    the NHF 2011 Model Rules, together
    with an alignment of governance
    procedures in accordance with the
    new rules.
2.2 A review of the shareholding             Active shareholder involvement                      
    membership and development of
    plans to actively engage shareholders
2.3 The development of a new                 Efficient and effective governance                          
    governance strategy and action plan,
    aimed at full compliance with the NHF
    ‘Excellence in Governance’ 2010
2.4 An assessment funding requirements       Funding is available to pursue the association’s    
    and loans secured to fund new homes      growth through new affordable developments
2.5 Delivery of the value for money          Efficiency                                          
    strategy and generation of healthy
    reserves
2.6 Consistent identification of risks and   Risk is identified, evaluated and mitigated                              
    actions taken to mitigate risks          Business security
2.7 Full compliance with the TSA             Regulatory compliance                                                     
    standards
2.8 Upper quartile performance in all KPI    Performance targets are achieved                                            
    areas
2.9 Collaboration with others to achieve     Partnership working                                                      
    the association’s objectives             Value for money
                                             Sharing of best practice


                                                                                                                                    12
Objective 3: BUSINESS GROWTH
To expand and diversify in order to attain economies of scale and deliver a range of products and services within our identified areas
of operation

What we want to achieve                       Outcomes / Key indicators                                  Target dates
                                                                                               11/12    12/13 13/14      14/15
3.1   The development of 40 new,              New homes are provided                                                       
      affordable homes for rent
3.2   Exploitation of the opportunities for   New homes are brought into management                                      
      growth in the number of homes
      managed by the association
3.3   Sustained supported housing             Services meet residents, future residents and                       
      services which satisfy the needs of     housing strategy objectives
      the BME communities in Bristol,
      Gloucester and South
      Gloucestershire
3.4   Conduct a business review, to           Actions developed to achieve business security                               
      consider future opportunities for
      growth, viability and direction




                                                                                                                                         13
Objective 4: SUSTAINABLE COMMUNITIES
To sustain and regenerate neighbourhoods by strengthening and developing strong links with the diverse communities in our areas of
operations

What we want to achieve                      Outcomes / Key indicators                                 Target dates
                                                                                              11/12   12/13 13/14     14/15
4.1   Implementation of the financial        Tenancy sustainment and alleviation of poverty            
      inclusion strategy
4.2   Completion of tasks within the         Fairness                                                          
      diversity and equality action plan,
      including compliance with the
      Equalities Act 2010.
4.3   Collaborative working with others to   Fulfilment of community objectives                                     
      achieve ‘localism’ and support of
      community initiatives
4.4   Completion of tasks within the         Community cohesion                                                
      community development plan
4.5   Maintain strong links with community   Community cohesion                                                     
      groups and work in collaboration
      with these groups on initiatives
      which promote / achieve community
      cohesion




                                                                                                                               14
Objective 5: EXCELLENCE
To strive for excellence and make best use of skills and available financial and human resources in order to achieve continued
business success

What we want to achieve                     Outcomes / Key indicators                                  Target dates
                                                                                              11/12   12/13 13/14     14/15
5.1   The development of service            Continuous improvement                                            
      improvement plans in collaboration
      with residents, board and staff
5.2   Procurement of responsive             Excellent maintenance services                     
      maintenance contractors
5.3   Procurement of grounds                Excellent services                                 
      maintenance and cleaning
      contractors
5.4   Pilot a handyperson scheme for        Excellent services                                         
      residents and evaluate the benefits
      and costs
5.5   Validation of the stock condition     Excellent asset management                         
      survey
5.6   The achievement of the decent         Excellent asset management                                             
      homes standards and completion of
      planned maintenance programmes
5.7   The development of an ‘affordable     Alleviation of fuel poverty                                             
      warmth’ strategy and action plan
5.8   Retention of the IIP accreditation    IIP award                                          
5.9  Submission for entry into the ‘The     United becomes an employer of choice                               
     Times 100 best companies’
5.10 Implementation of a new                Clarity of organisation and cultural objectives            
     competency framework
5.11 A trainee / apprenticeship scheme      Employment of young people                                 
     for young people
5.12 A review of the terms and conditions   United is an employer of choice                            
                                                                                                                                 15
     employment and implementation of
5.13 Establish a diversity and equality        Fairness is achieved                             
     group and a health and safety             Health and safety is achieved
     committee to oversee delivery of the
     health and safety and equality and
     diversity strategies
5.14 Testing of the business continuity        Risks are tested and mitigated                          
     plan
5.15 The development and                       Improved environment                                 
     implementation of an environmental
     policy and strategy, incorporating
     resident priorities for clean, safe
     estates

5.16 Development and implementation of         Legal and regulatory compliance                  
     the new affordable rent tenure
     policy, in collaboration with residents
     and in line with local authority policy
5.17 An annual review of this business         Regular review of the business plan objectives            
     plan, reporting progress of               Communication of the business plan
     achievements                              achievements




                                                                                                                16
MANAGING RISKS
As with any business, a number of risks exist or could develop which threaten achievement of the Association’s objectives. Our view is
that business risk is increasing as a result of the economy, public sector spending reductions and changes to government housing
strategy. Despite these increased risks and following a review of our business, the board, staff and residents are committed to United’s
independence and striving for excellence.

Our risk framework is regularly reviewed, updated to reflect changing environments and monitored by our Audit Committee and internal
auditors to ensure we take action is taken to mitigate substantial risks to the business.

At the time of writing this business plan, the top risks for the association are:

      Failure of not receiving housing benefit direct
      Failure to use customer insight to shape / develop new services
      Failure to keep the business plan under review
      High tenancy turnovers (high incidence of void properties)
      Changes in the HA funding regime / accounting practices which have a negative impact
      High levels of bad debts



TAKING OUR STRATEGY FORWARD
Our ambitious plans need to have a sound foundation by building on and ensuring good governance standards, proper management and
a financially strong organisation. We are committed to improving services, our governance and our business processes in order to
achieve our ambition ‘to be the best BME housing provider, focusing on people and communities’.

The board and staff recognise that in taking each of our actions forward it will be important to focus on both risks and rewards. It is
essential to have clarity on the purpose of all actions we intend to take and to have a clear understanding of the benefits that will be
derived to residents, the business as a whole and to the community.




                                                                                                                                     17
FINANCIAL PROJECTIONS
The financial projections within this Business Plan take into consideration our aspirations for the future and the achievement of certain
targets, such as our rent restructuring plans and the decent homes standard, as well as continued growth and service improvements that
provide excellent value for money. These projections have been based on some key assumptions which are set out below:

  Key Economic Assumptions                                     Comments

  RPI for rent increases 2011/12         2.5%                  2.5% thereafter
  RPI for cost increases 2011/12         2.5%                  2.5% thereafter
  LIBOR                                  7.0% (incl)           7.0% thereafter
  New borrowing margin                   2.00%

Our strategy for growth can be found in our Development Strategy that was approved by the board in February 2009 and is in the
process of being updated. We intend to consolidate the business by ‘buying out’ existing leases which fall under the Strategic Alliance
Partnership from 2011/12 onwards. In addition, our plans assume taking on up to 10 new homes every year for the next four years
under the Affordable Homes Programme, which will be dependent upon new borrowing margins being suitably attractive from 2011/12
onwards.

Our financial projections take into account acquisition of leases we have through the Strategic Alliance Partnerships with Aster, Somer
and Sovereign Housing Associations. Knightstone Housing Association has also helped United to grow by allowing us to purchase newly
developed properties. Our plans are to purchase all these leases by 2015. These purchases will be dependent upon new loan facilities
being in place by 2011/12 and we will be taking account of the market conditions.

In December 2010, we carried out a stock condition survey; the results will be input into the Business Plan in 2011 once they have been
fully validated by the Property Services Team.

Set out below are graphs which show the financial projections in relation to interest cover, operating margin and debt. Each year, we
review our financial projections and the assumptions made within this Business Plan.




                                                                                                                                      18
EBITDA Interest Cover Ratio
The primary indicator of financial performance for RP’s (Registered Providers) used by the TSA is the EBITDA interest cover ratio which
measures the ability to meet total loan interest costs (including capitalised interest and major repairs costs) from net rental income.



                                                                United Housing Association
                                                                EBITDA Interest Cover Ratio

                                                200%
                                                190%
                                                180%
                                                170%
                             Interest Cover %




                                                160%
                                                150%
                                                140%

                                                130%
                                                120%
                                                110%

                                                100%
                                                   09

                                                          11

                                                          13

                                                          15

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                                                                          25

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                                                                                                                  20
                                                                         Revised Base
                                                                         Internal Target greater than
                                                                         TSA Benchmark




This graph demonstrates that we predict that we can comfortably meet our interest payments to our lenders. This is shown because the
base level plan line is above our internal target and the TSA benchmark. This is important as it is a key requirement of our lenders that
we are able to meet our interest payments to them.



                                                                                                                                      19
Operating Margin
Operating margins demonstrate how RPs are using rental income (turnover) to fund operating costs. Operating margins are calculated
by deducting operating costs from turnover and dividing this by turnover to get a percentage. The lower the margin, the higher costs are
as a proportion of turnover.



                                                         United Housing Association
                                                              Operating Margin
                                                  100%
                                                   90%
                                                   80%
                             Operating Margin %




                                                   70%
                                                   60%
                                                   50%
                                                   40%
                                                   30%
                                                   20%
                                                   10%
                                                    0%
                                                       08

                                                       10

                                                       12

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                                                       16

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                                                       20

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                                                    20

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                                                    20

                                                    20

                                                    20

                                                    20
                                                                    Operating Margin




This graph demonstrates that UHA’s operating margin is relatively static over time. This demonstrates good cost control over the long
term and supports the fact that UHA remains a viable entity to provide a long term service to residents.



                                                                                                                                      20
Net Debt
Net debt looks at the total amount borrowed by UHA, less any cash balances that it holds.



                                                                                    United Housing Association
                                                                                         Net Debt per Unit
                                                     50
                                                     45
                                                     40
                            Net Debt per Unit £000



                                                     35
                                                     30
                                                     25
                                                     20
                                                     15
                                                     10
                                                      5
                                                      0
                                                       08

                                                              10

                                                                     12

                                                                            14

                                                                                   16

                                                                                          18


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                                                                                                                                                               20
                                                                                                Net Debt per Unit £000




This graph shows the net debt which is currently £21k. It is projected to peak at £27m in 2016/17 and to be fully repaid 20 years from
2010/11.




                                                                                                                                                                      21
KEY PERFORMANCE INDICATORS (KPIs) & TARGETS
UHA has developed a ‘balanced scorecard’ which measures:
   critical areas of the Business Plan, including financial performance
   regulatory indicators
   softer measures such as customer and staff satisfaction, community investment, etc that are recommended by the European
     Foundation of Quality Management (EFQM) as best practice in corporate performance monitoring

Our aim is to achieve top quartile performance and this relies on achieving key targets which are set out below:

                                      Housemark
                                                       Outturn
                                        Median                         2011/12        2012/13        2013/14
                                                       2010/11
                                       (2009/10)
Total No. of Units                        N/A           1043            1043           1064            1083
BME Lettings                              N/A          59.18%           75%            75%              75%
Average re-let days                        35            24              19             18               17
Rent loss as a % of income               0.70%         0.65%            0.6%           0.5%            0.5%
Arrears: Current                         4.88%         4.76%            3.5%           3.4%            3.3%
Rent collected as a % of debit           99.5%         100.5%          100.5%          101%            101%
Repairs completed within target:
 Emergency                               98.8%           97%           98.8%            99%            99%
 Urgent                                  97.5%           85%           97.5%            98%           98.5%
 Routine                                 97.5%          86%            97.5%           98%            98.5%
No. of home safety checks carried        99.7%         99.96%          100%            100%           100%
out
Customer Satisfaction                    68.4%          93.8%           94%             95%            96%
With Repairs
Customer profiling information           72.8%           51%            86%             88%            90%
Decent Homes (outstanding)               1.90%          0.05%          0.05%           0.04%          0.03%

Targets are indicative of our aims and are annually reviewed and set by the board.


                                                                                                                        22
ORGANISATIONAL STRUCTURES
In November 2008, the board approved a new structure for the organisation, which is designed to ensure there are sufficient staffing
resources to achieve our objectives. In January 2009, UHA retained the Investors in People (IIP) accreditation, with acknowledgements
of greater staff collaboration and morale, improved training and development opportunities and strong leadership.

The staff team continues to be a key asset of UHA and during the life of this Business Plan, we will;

      use a number of initiatives to develop the organisation
      provide a good working environment that live up to the expectations of staff
      develop skills and capacity of staff to deliver the type of services that residents expect
      aim to be an employer of choice




                                                                                                                                   23
   Key                                                                       BOARD
   Exec Team
   Finance/HR
                                                                        Chief Executive
   Housing                                                               Eileen Brown
   Maintenance
   Corporate
   Services

              Deputy Chief                                      Head of Housing                                                   Head of PS
               Executive                                           Services                                                     Victoria Farrow
              Ed Rowberry                                        Charlie Mosse




Performance      Fin. Off           HR & CS     Housing & Fin                                                CSO (Maint)        Maintenance            Surveyors
Management                           Officer       Admin                                                                        Co-ordinator              X2
   Officer


                                                                   Hsg Mgr




                            Fin & CS Asst
                                                                                                                                                  PA




                    HO’s                       CSO                       Scheme
                     X3                                                Coordinators          Floating              Res Inv. &
                                                                           X2             Support Officers         community
                                                                                                X2                development
                                                                                                                     officer




                                                                                                                                                               24
BOARD
Our governance structure was revised in 2008, as part of our Effective Governance Strategy. Our board members have a range of
skills. We have a number of board ‘champions’ who work with the Executive team to develop key strategies in particular areas. Our
board and committee members are:

Jenny Vernon
Chair
BA (Hons); PG Dip Housing; PG Cert Business Psychology; MCIH
Jenny has been a board member since 2006. She is a director of the Good Governance Network, specialising in involving residents in
effective governance and embedding change in housing organisations. Uniquely, she has been a community activist, tenant, employee,
consultant and board member of various housing organisations, giving her a more holistic viewpoint and is firmly committed to principle
of inclusivity in decision making.

Guy Reid-Bailey
Chair, Remuneration Committee
OBE, CQSW, Dip in Applied Science
Guy is a founder member of United and actively involved with several community organisations. He is a mentor of young offenders along
with senior management and board members, Guy has responsibility for overall direction, control, performance and recruitment of senior
personnel. He is also responsible for reviewing, training and appraisal for senior personnel and is a spokesperson for UHA on all
external matters including lending Institutions for the betterment of the Association.

Lily Khandker
BA (Hons), DMS
Lily joined the board 2000 and is a member of the Remuneration Committee. Lily works as an Equalities & Diversity Manager, working
for Wiltshire Police and prior to this has worked for Bristol City Council as an Equalities Manager. During Lily’s time as a board member,
she has been involved in different committees.




                                                                                                                                        25
Ian Harries
Audit Committee Chair
BA (Hons) Housing, HTDLUS, MCIH
Ian joined the board in 2008 and is Chair of Audit Committee. He has spent almost 30 years in housing, gaining an Honours Housing
degree from Sheffield Hallam University and a Higher Diploma in Land Use Studies specialising in Estate Management and Valuation.
Ian is a Housing Consultant, specialising in continuous improvement of housing services and has a range of clients including
Government departments, Local Authorities, arms length management organisations and Housing Associations.

Jolanda Anderson
PG Dip Housing, BSc Sociology
Jolanda joined the board in 2009. She is a Business Excellence Manager for Merlin Housing Society and has worked in housing for 15
years. Jolanda is keen to commit her time and expertise to the important role of improving services for UHA residents, by contributing to
the Association’s vision of striving towards excellence in performance and service delivery. As well as serving on the board, Jolanda is
Vice-Chair and a member of the Audit Committee.


Surinder Phanda
MBA, BSc (Hons) Computer Science
Surinder joined the board in 2009 and is a member of Audit Committee. Currently working as a freelance business advisor, Surinder has
over 10 years experience in the ‘high tech’ industry. Her role at UHA is to constructively challenge and contribute to the development of
the Association’s strategies, scrutinise the performance of management in meeting agreed goals and objectives and help ensure we are
working to the TSA regulatory framework.


Malcolm Wilson
Malcolm joined the board in 2010. He has more than 20 years experience working for registered landlords (RSLs). Until April 2007 he
was Finance Services Director of Wandle Housing Association in south London, before joining RCT Homes as Resources Director and
Company Secretary. He is now Commercial Director at RCT Homes, leading on regeneration activities. Malcolm has held a number of
appointments as a board member, including as a statutory appointee.




                                                                                                                                       26
Lisa Blackwood
Lisa has been co-opted onto the board since November 2010, in her capacity as Chari of the Association’s Customer Panel. Lisa has
been actively involved as a United resident for many years and is a community activist and community advocate. She is a member of
St Paul’s Unlimited which seeks to identify and participate in issues affecting those who live in the St Paul’s area of Bristol, and in her
spare time helps voluntarily to provide support and temporary housing services for homeless people.




                                                                                                                                              27
THE EXECUTIVE TEAM
Eileen Brown
Chief Executive
MCIH
Eileen joined UHA as the Managing Director in May 2008. She is a qualified housing professional with over 20 years experience at
director level in Housing Associations, including as Chief Executive of a small community housing association. She started her career
by working for a local authority housing department in 1982 and moved on to work for three major London Housing Associations.
Eileen works at a national level to consider and promote BME housing issues and is passionate about improving services for residents.

Edward Rowberry
Deputy Chief Executive
BA(Hons), ACA, MBA
Ed joined UHA on 15th June 2009. He started his career at KPMG where he qualified as a qualified Chartered Accountant. He has
subsequently spent several years in management and finance positions with various Blue Chip Organisations. His experience includes
five years working at a large property developer, where he had financial responsibility for two large mixed use schemes.
Ed is also on the board of two small Housing Associations.

Victoria Farrow
Head of property services
BA (Hons)
Vicki joined UHA in October 2009. She is a qualified Quantity Surveyor and has over 10 year’s experience of working in Social Housing
Organisations. Vicki has worked for a number of local housing associations, worked on reconstruction and refurbishment projects in
Romania and Barcelona and previously lectured in building maintenance and related topics.


Charlie Mosse
Head of housing services
MCIH, BA (Hons), MBA
Charlie joined UHA in July 2008. He has worked in social housing for over 10 years, for both Local Authorities and Housing
Associations, leading a range of housing management and supported housing initiatives and services. Charlie was awarded with an
MBA in 2007 and is the Chair of a local Housing Association.


                                                                                                                                  28
Copies of this Corporate Business Plan can be made available in other formats upon request.




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