Anna Meier CIMA CGMA Ba (Hons)

• Senior level review and underwriting for mid corporate clients with a turnover between £25m - £100m.
• Leadership of xll Credit Officers, coaching and guiding to provide development opportunities and enhance performance.
• Responsible for approving new to bank credit proposals, increased lending, annual renewals and variations of terms.
• Demonstrate a high standard of knowledge across different sectors and background of clients to assess credit risk.
• Strong stakeholder relationships with the coverage teams to onboard high quality clients and deliver the growth strategy.
• Provide advice on different business opportunities in line with the Group's growth ambition and risk appetite.
• Present at meetings to update on clients in financial difficulty to senior stakeholders with the aim of supporting business growth.
• Visit clients across the South and Midlands regions of England with Relationship Directors to offer a credit risk view on proposals.
• Lead the SME, Mid Corporates and Growth & Structured Finance team cultural work streams and lead team calls as well as drive the agenda.

• Senior Manager directly supporting the Chief Operating Officer in a team of c.2800 colleagues.
• Leadership of 5 Managers responsible for reporting and insight and operating model development across the division including one talent rotation.
• Set up the new CL COO Executive Office in Oct 2022 following the group's large scale organisational change.
• Excellent relationships established with Business Partners and Product teams, HR, Risk, Finance, Operations, Supplier Management, Product Engagement, Business Analysis, Operational Resilience, Regulatory Strategy and the EU portfolio.
• Maintain strong commercial awareness via a breath of knowledge across a-diverse team, to prepare briefings and papers.
• Responsible for setting up the Consumer Lending Risk Committee for the CL CEO with minimal support.
• Lead Group Cost Management Committee papers and working groups across Consumer Lending, Sourcing & Finance.
• Manage operating model change across the Chief Operating Office, engaging with SMEs and Finance to deliver cost savings.
• Draft and distribute team communications on people change, strategy cascades and key business updates.
• Coached several new Executive Assistants in Consumer Lending to upskill in new roles, also mentor several Managers.

• Directly supported the Managing Director is now CEO of Business & Commercial Banking (BCB) Group Executive Committee, responsible for c.2000 colleagues.
• Managed two Business Support Managers, with a proven track record of developing talent to higher grade roles.
• Highly effective stakeholder relationships established in HR, Finance, Risk, Retail Products, Legal, Group Corporate Affairs.
• Reviewed and analysed a vast range of financial and non-financial information, preparing briefings and papers for the MD.
• Managed the weekly note to escalate high priority items, commercial KPi's and trading trends to the Group Retail Director.
• Managed the MBNA Board, PRA, FCA and ISB reporting including Credit Risk trends and hot topics.
  Managed confidential projects on behalf of the Managing Director to make business improvements.
• Responsible for the SMCR risk assessments for 7 material risk takers including risk Mi commentary.
• Drafted and distributed team communications and business updates, including ways of working and people changes.
• Set up the Women in Leadership Programme for Consumer Lending, with resulting uplift of colleagues into Senior roles.
• Feb - Aug 2019: Executive Assistant to the Portfolio Analytics and Reporting Director in Risk, prior to leaving the organisation

• Project secondment role within Conduct, Compliance & Operational Risk with responsibility extended to dual programme management through proven delivery.
• Responsible for managing the risk requirements for the EU portfolio, based in Germany and the Netherlands.
• Delivered the operating model risk requirements and BaFin regulator banking license applications, including visiting Berlin.
• Successfully delivered the passport branch application for payments, gaining PRA and BaFin approval.
• Influenced and challenged senior business leads at project meetings and committees to drive the agenda.
• Recruited 9 contractors (managed 5 day to day) and two graduates from the Emerging Talent Programme.

• Responsibility for the Motor, Loans and Cards and European portfolio impairment reporting and insight.
• Managed an engaged team of 4 Finance Managers, tailoring development and also mentored two colleagues in Risk.
• Managed the three lines of defence operating model, embedding compliance with financial standards and Group policies.
• Managed and presented at the month end working day 4, impairment review and business briefing meetings.
• Chaired the Credit Risk Executive Committee and presented the impairment financials with significant positive feedback.
• Organised and facilitated the new colleague engagement workshop, for the London Retail Finance team.
• Coordinator for the female talent programme and facilitated role model sessions with senior leaders.

• Responsibility for the Motor, Loans and Cards and European products impairment reporting.
• Delivered the test phase of the cards simplification project within a two-week turnaround with exceptional feedback.
• Key role in the Lloyds/TSB Divestment in 2013 including training new colleagues in TSB.
• Delivered the HBOS target operating model project, with recognition awards for collaborative working.
• Managed the industrial Placement, who gained a position on the 2016 Lloyds Banking Group Graduate scheme.
  Organised and presented at away days 2014 - 2016 with c.60 colleagues.
• Nominated into the Women in Risk Leadership Programme selected by Senior Leaders.

• Responsibility for the impairment charge reporting for Personal Current Accounts including journal postings, balance sheet. provision calculation, SAP ledger reconciliations and Mi impairment packs.
• Developed cross heritage reporting.
• Progressed from Assistant Manager to Finance Manager within 7 months of recruitment.

• Responsibility for the balance sheet at single and consolidated level, plus reporting management packs to board level.
• Progressed from a Deputy position to management of the Financial Accounts team with 6 Direct reports.
• Calculation of the bad debt provision calculation with review of write off processes, developed board level debtor report.
• Quarterly statutory reporting of VAT returns, IPT returns and FSA returns.
• Responsibility for the charity budgets, expenses and match funding, reporting the results to the chairman.

• Reporting to the Financial Controller with responsibility for 3 Accounts Assistants.
• Management of the purchase ledger, sales ledger and credit control, daily cash flow forecasting in multi-currency reporting Bank reconciliations on Sage Line 50 (multi-currency) and monthly payroll of 25 staff plus 16 contractors.
• Quarterly VAT returns for 4 companies, on an accruals and cash accounting basis.
• Organisation of global production shoot floats in multi-currency transactions.

• Financial Accountant reporting to the Finance Director, with management of 2 Assistant Financial Accountants.
• Responsible for the balance sheet, accounts payable, receivables port agent costs and cash books.
• VAT Returns, bank reconciliations, revenue analysis, cash flow forecasting, accruals and prepayments.
• Coordination of cash deliveries to the ships whilst docked in port, liaising with American Express.
• Reviewed financial controls on board the ships, with visits twice annually (Mediterranean cruise routes).
• Managed the installation of Sage MMS, with organisation of all departmental training and remapping of accounts.

• Accounts Assistant, Sales Assistant, Mail Operator (Lloyds TSB), Waitress.

• Gap year to Southeast Asia and Australia.