Bradley Woodards
Romford,Havering
Summary
Accomplished professional with expertise in commercial and corporate lending and finance modelling tools, demonstrating strong leadership and strategic planning abilities. Adept at problem-solving and team building, with a proven track record in loan origination and servicing. Strong communication skills enhance the ability to drive successful outcomes in complex financial environments. Committed to leveraging skills to achieve organisational goals and foster growth.
Hard-working leader of a team with strong organisational skills. Achieves company goals through exceptional planning and prioritisation.
Committed manager with exceptional leadership, organisational skills and communication abilities leads high-performing cross-functional teams. Leads projects, company operations and business growth.
Overview
24
24
years of professional experience
5
5
years of post-secondary education
Work history
Head of L&SE Real Estate Finance Credit Delivery
RBS Bank Plc/NatWest Bank Plc
01.2017 - 01.2026
- Leading, managing and developing a Real Estate Finance team to deliver senior debt origination/structuring/ execution across different asset classes (Living, Industrial, Retail, Offices and Housing Associations). Deliver c£1.5bn transactions per annum.
- Provide strong leadership to support team with strong customer service and transaction execution sharing knowledge of debt capital markets, loan syndication and hedging.
- Maintain professional relationships (lawyers, valuers, brokers, etc) to help raise the profile of the Bank in its local marketplace which supports our drive for business growth.
- Represent the Business at CRE Sightings Forum (National) alongside Head of CRE and Head of CRE Credit providing early stage transaction guidance and support.
- Chair the Trading CRE Sightings Forum alongside Business and Property Finance representation.
- Provide business sign off for ou largest and more complex transactions and maintaining an acceptable level of risk within the business in-line with the asset class strategy and individual client strategies across a large portfolio.
- Deep understanding and broad experience in the application of risk management disciplines (Including Financial Stress, Risk of Credit Loss, Forbearance and Restructuring)
- Built and established a diverse and cohesive team culture which has integrated multiple operating model changes and challenges to overcome proactively and positively. Ability to deliver strong organisation scores (Ourview).
- Provide key insights and understanding of legal policies, regulatory, political, reputational and environmental issues impacting the business specific to CRE (Including advanced knowledge of IPRE, i.e. Slotting).
Head of L&SE Real Estate Finance Credit Delivery
RBS Bank Plc/NatWest Bank Plc
01.2017 - 01.2026
- Leading, managing and developing a Real Estate Finance team to deliver senior debt origination/structuring/ execution across different asset classes (Living, Industrial, Retail, Offices and Housing Associations). Deliver c£1.5bn transactions per annum.
- Provide strong leadership to support team with strong customer service and transaction execution sharing knowledge of debt capital markets, loan syndication and hedging.
- Maintain professional relationships (lawyers, valuers, brokers, etc) to help raise the profile of the Bank in its local marketplace which supports our drive for business growth.
- Represent the Business at CRE Sightings Forum (National) alongside Head of CRE and Head of CRE Credit providing early stage transaction guidance and support.
- Chair the Trading CRE Sightings Forum alongside Business and Property Finance representation.
- Provide business sign off for our largest and more complex transactions and maintaining an acceptable level of risk within the business in-line with our asset class strategy and individual client strategies across a large portfolio.
- Deep understanding and broad experience in the application of risk management disciplines (Including Financial Stress, Risk of Credit Loss, Forbearance and Restructuring)
- Built and established a diverse and cohesive team culture which has integrated multiple operating model changes and challenges to overcome proactively and positively. Ability to deliver strong organisation scores (Ourview).
- Provide key insights and understanding of legal policies, regulatory, political, reputational and environmental issues impacting our business specific to CRE (Including advanced knowledge of IPRE, i.e. Slotting).
Director
RBS Bank Plc/NatWest Bank Plc
08.2014 - 01.2017
- Alongside my day to day portfolio management tasks detailed below I am well regarded within Real Estate Argyll House business and am responsible for other business priorities such as deputising, team meetings, delivering important communications, embedding plans to manage operational risk, delivering project work, etc.
- Delegated Business Approval (Max. £50m) at CRE Business Unit for credit risk underwriting relating to new business / material increases / annual reviews.
- Relationship and risk management working collectively with multiple Coverage Directors to build client advocacy and deliver a practical and realistic debt solutions with Bank’s top tier Real Estate Commercial clients.
- Meet new and existing clients to listen and understand the clients strategy, discuss risk appetite, wider real estate business and present/ future markets to determine how we can work together.
- Tasked with producing well presented detailed credit reports for new business, increases and annual reviews inclusive of property and risk analysis, structural protections and sector and policy compliance. This also encompasses full execution lead alongside Transaction Management.
- Signing off covenant management and monitoring and identifying and mitigating emerging risks.
- Strengthening advocacy with internal (credit, property finance) and external (valuers, lawyers, MS) communication channels.
- Ensuring transactions post-completion are appropriately risk managed and monitored and data quality and integrity is continuously robust.
- Established a sound real estate and credit background and seen within Argyll House as an in-house expert.
- Mentoring and setting aside development objectives for lesser experienced members of staff, some who were seeking their next career move.
- In addition, I have been working closely with the Bank’s specialised Structured Real Estate Team responsible for Mezz and Spec finance and Large Corporates providing portfolio management expertise.
Director
RBS Bank Plc/NatWest Bank Plc
08.2014 - 01.2017
- Alongside my day to day portfolio management tasks detailed below I am well regarded within Real Estate Argyll House business and am responsible for other business priorities such as deputising, team meetings, delivering important communications, embedding plans to manage operational risk, delivering project work, etc.
- Delegated Business Approval (Max. £50m) at CRE Business Unit for credit risk underwriting relating to new business / material increases / annual reviews.
- Relationship and risk management working collectively with multiple Coverage Directors to build client advocacy and deliver a practical and realistic debt solutions with Bank’s top tier Real Estate Commercial clients.
- Meet new and existing clients to listen and understand the clients strategy, discuss risk appetite, wider real estate business and present/ future markets to determine how we can work together.
- Tasked with producing well presented detailed credit reports for new business, increases and annual reviews inclusive of property and risk analysis, structural protections and sector and policy compliance. This also encompasses full execution lead alongside Transaction Management.
- Signing off covenant management and monitoring and identifying and mitigating emerging risks.
- Strengthening advocacy with internal (credit, property finance) and external (valuers, lawyers, MS) communication channels.
- Ensuring transactions post-completion are appropriately risk managed and monitored and data quality and integrity is continuously robust.
- Established a sound real estate and credit background and seen within Argyll House as an in-house expert.
- Mentoring and setting aside development objectives for lesser experienced members of staff, some who were seeking their next career move.
- In addition, I have been working closely with the Bank’s specialised Structured Real Estate Team responsible for Mezz and Spec finance and Large Corporates providing portfolio management expertise.
Associate Director
RBS Bank Plc/NatWest Bank Plc
02.2013 - 07.2014
- Risk manage a Real Estate portfolio of REITS and small / medium cap companies and provide effective risk and portfolio management through credit stewardship, debt structuring, proactive secondary origination with Client Coverage and balance sheet and capital management.
- Full engagement with client interface and building deep and professional relationships within client’s organisation hierarchy.
- Prepare high quality credit submissions and regular/timely reports to Corporate Credit.
- Make clear and comprehensive presentations to Credit and Pricing/Capital Committees for new business opportunities to gain full support / recommendations.
- Provide debt-structuring solutions which balance customer needs with risk, make the best use of capital, and which utilise the full range of funding options available across the RBS group.
- Analyse financial and other information to present properly structured credit applications.
- Act as a focal point of contact for portfolio of clients and proactively manage the relationships.
- Willingness to provide Credit Risk assistance to other parts of the team on a proactive basis.
Associate Director
RBS Bank Plc/NatWest Bank Plc
02.2013 - 07.2014
- Risk manage a Real Estate portfolio of REITS and small / medium cap companies and provide effective risk and portfolio management through credit stewardship, debt structuring, proactive secondary origination with Client Coverage and balance sheet and capital management.
- Full engagement with client interface and building deep and professional relationships within client’s organisation hierarchy.
- Prepare high quality credit submissions and regular/timely reports to Corporate Credit.
- Make clear and comprehensive presentations to Credit and Pricing/Capital Committees for new business opportunities to gain full support / recommendations.
- Provide debt-structuring solutions which balance customer needs with risk, make the best use of capital, and which utilise the full range of funding options available across the RBS group.
- Analyse financial and other information to present properly structured credit applications.
- Act as a focal point of contact for portfolio of clients and proactively manage the relationships.
- Willingness to provide Credit Risk assistance to other parts of the team on a proactive basis.
Assistant Director
RBS Bank Plc/NatWest Bank Plc
03.2011 - 01.2013
- Responsible for managing a small portfolio of Real Estate corporate clients.
- Provide robust portfolio management support to Senior Director on a larger Legacy / Non-performing asset portfolio.
- Prepare and submit good quality well balanced reports for Credit Risk, Interim Risk and Same Name Concentration Risk.
- Provide detailed analytical models, support and risk recommendations on simple and complex transactions to help develop and deliver client exposure strategies and identify emerging risks.
- Monitor client management information and reporting and evaluate terms of compliance.
- Co-ordinate and project manage new and existing restructures that are Credit approved with support from key stakeholders (Internal Legal, Property Finance, Lawyers and Surveyors).
- Good knowledge and understanding of facility and security documentation, waivers, consents and reservation of rights letters.
- Collaborate with the Bank’s Global Restructuring Group for when stressed Real Estate cases are transferred to portfolio post-rehabilitation, and take relationship and risk strategy forward.
- Contribute towards Corporate financial performance with awareness to driving improvements to capital and balance sheet management (Data Quality, RWAs & IoRWAs).
Assistant Director
RBS Bank Plc/NatWest Bank Plc
03.2011 - 01.2013
- Responsible for managing a small portfolio of Real Estate corporate clients.
- Provide robust portfolio management support to Senior Director on a larger Legacy / Non-performing asset portfolio.
- Prepare and submit good quality well balanced reports for Credit Risk, Interim Risk and Same Name Concentration Risk.
- Provide detailed analytical models, support and risk recommendations on simple and complex transactions to help develop and deliver client exposure strategies and identify emerging risks.
- Monitor client management information and reporting and evaluate terms of compliance.
- Co-ordinate and project manage new and existing restructures that are Credit approved with support from key stakeholders (Internal Legal, Property Finance, Lawyers and Surveyors).
- Good knowledge and understanding of facility and security documentation, waivers, consents and reservation of rights letters.
- Collaborate with the Bank’s Global Restructuring Group for when stressed Real Estate cases are transferred to portfolio post-rehabilitation, and take relationship and risk strategy forward.
- Contribute towards Corporate financial performance with awareness to driving improvements to capital and balance sheet management (Data Quality, RWAs & IoRWAs).
Portfolio Manager (Bishopsgate)
RBS Bank Plc/NatWest Bank Plc
01.2008 - 02.2011
- Manage a large portfolio with corporate turnover ranging from £1m-£25m.
- Proactively support Senior Commercial Manager through analysis of financial information and subsequent completion of credit applications, in relation to customers and prospects.
- Analyse detailed business plans and cash flows for new and existing businesses, providing initial recommendations to Senior Relationship Manager and agree way forward.
- Prepare accurate and well thought out credit papers due for review, ensuring all risks are challenged and minimising risk to portfolio income strategy.
- Assist Senior Relationship Manager with early identification of underperforming assets through internal risk tools and detailed risk assessment with client.
- Set up and maintain a robust system to monitor receipt of management information, renewal fees, contingent liabilities, libor rollovers and interest rates.
- Liaise with external lawyers and accountants in reference to facility and security documentation.
Portfolio Manager (Bishopsgate)
RBS Bank Plc/NatWest Bank Plc
01.2008 - 02.2011
- Manage a large portfolio with corporate turnover ranging from £1m-£25m.
- Proactively support Senior Commercial Manager through analysis of financial information and subsequent completion of credit applications, in relation to customers and prospects.
- Analyse detailed business plans and cash flows for new and existing businesses, providing initial recommendations to Senior Relationship Manager and agree way forward.
- Prepare accurate and well thought out credit papers due for review, ensuring all risks are challenged and minimising risk to portfolio income strategy.
- Assist Senior Relationship Manager with early identification of underperforming assets through internal risk tools and detailed risk assessment with client.
- Set up and maintain a robust system to monitor receipt of management information, renewal fees, contingent liabilities, libor rollovers and interest rates.
- Liaise with external lawyers and accountants in reference to facility and security documentation.
Business Relationship Manager (Threedneedle Street)
RBS Bank PLC
01.2007 - 12.2007
- Concentrate on delivering world class service to 450 small business clients, turnover ranging between 0-£500,000.
- Proactively meeting existing clients to offer services and products which will enhance their business operation and performance and/or reduce their risks.
- Compiling non-financial and financial information in order to prepare small scale quality credit propositions to risk manager.
- Review adverse accounts/low quality exposures to minimise credit risk/losses and ensure optimum profitability.
- Liaising with local branch staff to roll out business proposition and team orientation to assist small business customers as one bank.
- Mentoring new Business Relationship Managers in the role on products, systems and structure.
Business Relationship Manager (Threedneedle Street)
RBS Bank PLC
01.2007 - 12.2007
- Concentrate on delivering world class service to 450 small business clients, turnover ranging between 0-£500,000.
- Proactively meeting existing clients to offer services and products which will enhance their business operation and performance and/or reduce their risks.
- Compiling non-financial and financial information in order to prepare small scale quality credit propositions to risk manager.
- Review adverse accounts/low quality exposures to minimise credit risk/losses and ensure optimum profitability.
- Liaising with local branch staff to roll out business proposition and team orientation to assist small business customers as one bank.
- Mentoring new Business Relationship Managers in the role on products, systems and structure.
Business Advisor (Canary Wharf)
NatWest Bank PLC
10.2003 - 12.2006
- Selected as part of a team of four to headline a new business banking unit at Canary Wharf relationship managing businesses with a turnover of £250k-£1.0m.
- Collaborating with private banking colleagues to generate quality new business introductions and vice versa.
- Preparing small business lending proposals, containing accurate information and submitting to credit for formal sanction.
- Project managing higher borrowing facilities from sanction to drawdown – including securities, facility agreement, valuations, and pre & post conditions.
- Research and prepare meeting agendas for Senior Business Manager prior to meeting customer, utilising sector outlook reports, profile of customer and internal information to spot opportunities.
- Conducting certain sole meetings with customers to discuss service issues, complaints and new lending proposals.
Business Advisor (Canary Wharf)
NatWest Bank PLC
10.2003 - 12.2006
- Selected as part of a team of four to headline a new business banking unit at Canary Wharf relationship managing businesses with a turnover of £250k-£1.0m.
- Collaborating with private banking colleagues to generate quality new business introductions and vice versa.
- Preparing small business lending proposals, containing accurate information and submitting to credit for formal sanction.
- Project managing higher borrowing facilities from sanction to drawdown – including securities, facility agreement, valuations, and pre & post conditions.
- Research and prepare meeting agendas for Senior Business Manager prior to meeting customer, utilising sector outlook reports, profile of customer and internal information to spot opportunities.
- Conducting certain sole meetings with customers to discuss service issues, complaints and new lending proposals.
Business Assistant
NatWest Bank PLC (Stratford)
10.2001 - 09.2003
- Meeting new business start ups introduced through branch network to open new business current accounts and card facilities.
- Working smartly with a Business Manager by taking new arranging and security fees and increasing interest rates to exceed portfolio income targets.
- Acting as a service support network for new and existing business customers.
- Actively researching and arranging customer appointments for a Financial Planning Manager.
- Various departmental administrative duties were also aligned to me.
Business Assistant
NatWest Bank PLC (Stratford)
10.2001 - 09.2003
- Meeting new business start ups introduced through branch network to open new business current accounts and card facilities.
- Working smartly with a Business Manager by taking new arranging and security fees and increasing interest rates to exceed portfolio income targets.
- Acting as a service support network for new and existing business customers.
- Actively researching and arranging customer appointments for a Financial Planning Manager.
- Various departmental administrative duties were also aligned to me.
Education
A Level - 3 A Level A-D
Robert Clack Comprehensive School
London 09.1999 - 06.2001
GCSE - 8 GCSE A-C (including English & Maths)
Robert Clack Comprehensive School
London 09.1995 - 05.1999
Advanced Diploma in Lending Skills
Chartered Banker
London03.2019
Diploma in Debt Restructuring
Chartered Banker
London04.2018
Diploma in Lending Skills
Chartered Banker
London09.2016
CertTF
Associate of Chartered Treasurers
London07.2015
Applied Diploma in Corporate Banking
Chartered Banker
London07.2014
Skills
- Problem-solving
- Communication skills
- Team building
- Strategic planning
- Leadership
- Finance modelling tools
- Loan origination and servicing
- Commercial lending expertise
Accomplishments
- Completed the Brentwood half marathon
- Completed British Heart Foundation, London to Brighton Team bike ride (twice)
- Attended many NatWest regional conferences for outstanding performance
Personal Information
- Hobbies: Running and playing golf (new courses), Spending quality time with my children (preferably outdoors), Reading Autobiographies
- Date of birth: 26.06.1983
- Gender: Male
- Nationality: British
Timeline
Head of L&SE Real Estate Finance Credit Delivery
RBS Bank Plc/NatWest Bank Plc
01.2017 - 01.2026
Head of L&SE Real Estate Finance Credit Delivery
RBS Bank Plc/NatWest Bank Plc
01.2017 - 01.2026
Director
RBS Bank Plc/NatWest Bank Plc
08.2014 - 01.2017
Director
RBS Bank Plc/NatWest Bank Plc
08.2014 - 01.2017
Associate Director
RBS Bank Plc/NatWest Bank Plc
02.2013 - 07.2014
Associate Director
RBS Bank Plc/NatWest Bank Plc
02.2013 - 07.2014
Assistant Director
RBS Bank Plc/NatWest Bank Plc
03.2011 - 01.2013
Assistant Director
RBS Bank Plc/NatWest Bank Plc
03.2011 - 01.2013
Portfolio Manager (Bishopsgate)
RBS Bank Plc/NatWest Bank Plc
01.2008 - 02.2011
Portfolio Manager (Bishopsgate)
RBS Bank Plc/NatWest Bank Plc
01.2008 - 02.2011
Business Relationship Manager (Threedneedle Street)
RBS Bank PLC
01.2007 - 12.2007
Business Relationship Manager (Threedneedle Street)
RBS Bank PLC
01.2007 - 12.2007
Business Advisor (Canary Wharf)
NatWest Bank PLC
10.2003 - 12.2006
Business Advisor (Canary Wharf)
NatWest Bank PLC
10.2003 - 12.2006
Business Assistant
NatWest Bank PLC (Stratford)
10.2001 - 09.2003
Business Assistant
NatWest Bank PLC (Stratford)
10.2001 - 09.2003
A Level - 3 A Level A-D
Robert Clack Comprehensive School
09.1999 - 06.2001
GCSE - 8 GCSE A-C (including English & Maths)
Robert Clack Comprehensive School
09.1995 - 05.1999
Advanced Diploma in Lending Skills
Chartered Banker
Diploma in Debt Restructuring
Chartered Banker
Diploma in Lending Skills
Chartered Banker
CertTF
Associate of Chartered Treasurers
Applied Diploma in Corporate Banking
Chartered Banker