Joshua Swaby
Denby Dale,West Yorkshire
Summary
I am a highly motivated, forward thinking and personable individual who values professionalism and efficiency. These attributes have been pivotal in the development and maintenance of a strong portfolio of intermediaries in my current role as Business Development Manager. This, alongside skills in credit risk analysis and underwriting obtained during my time as a Relationship Manager, ensures that a lending position is the logical advancement in my career progression.
Overview
8
8
years of professional experience
Work history
Business Development Manager
Hampshire Trust Bank
Leeds, West Yorkshire
2024.01 - Current
- Successfully achieve business origination target.
- Build and maintain a strong network of brokers and clients across ‘the patch’ (North, Midlands, and Wales).
- Proactively maintain a detailed understanding of the Bank's credit risk appetite statement and product guide.
- Collaborate with introducers to ensure deals are structured efficiently and accurately for the clients’ requirements.
- Undertake high-level analysis of new enquires prior to assigning to Lending Directors.
- Develop and populate deal tracker spreadsheet evidencing terms issued per month, deals going to credit, deals in due diligence and deals completed.
- Arrange and host flagship events across the year (UKREiiF, Insider Residential Awards, Market Updates, etc.).
- Proactively manage diary to achieve eight weekly ‘value add’ meetings.
- Monitor market activity to ensure pricing and leverage remain competitive.
Relationship Manager
Hampshire Trust Bank
Leeds, West Yorkshire
2022.06 - 2024.01
- Underwrite development finance facilities of varying complexity.
- Cashflow model new enquires and issue indicative terms.
- Analyse and undertake annual reviews, facility extensions and facility restructures.
- Build and maintain strong relationships with clients and brokers.
- Draft and issue offer letters and instruction letters.
- Accurately input data across all CRM systems.
- Complete thorough KYC across all risk gradings.
- Attend site visits before completion and during the facility lifetime.
- Grow external brand via LinkedIn and networking events.
- Proactively source development opportunities.
- Maintain a detailed understanding of the property market and its subsectors (PBSA, BTR, PRS, etc,).
Relationship Manager Assistant
NatWest Commercial/Corporate Real Estate
Leeds
2018.09 - 2022.06
- Detailed finance modelling (investment and development facilities).
- Manage the portfolio of two relationship directors, including support with credit papers and end-to-end transaction management.
- Issue heads of terms and facility agreements.
- Instruct professionals and review reports to mitigate risk (valuations, monitoring surveyor, solicitors).
- Attend site visits to monitor progress.
- Work within a defined risk appetite (pricing, sector, and leverage).
- Organise and present customer business reviews.
- Present fraud awareness reviews (face to face or via zoom).
- Records Management Champion - Own, manage and supervise the risks which exist within the business.
- ESG Champion - Stay updated on regulation changes, proactively raise awareness with customers and include sustainability comments within credit papers.
Education
Certificate in Lending Skills (CCBI) -
Chartered Banker Institute
2021-09
Professional Banker Certificate -
Chartered Banker Institute
2019-06
Level 4 HNC Diploma - Uniformed Public Services
Barnsley University
2017-11
Extended Level 3 Diploma - Uniformed Public Services
Barnsley College
2016-06
Skills
Financial Analysis
Credit Risk Management
Business Development
Debt Structuring
Portfolio Management
Due Diligence
Customer Service
Compliance
Interests
Weight training
Football (5 a side)
Formula 1
References
Available on request
Timeline
Business Development Manager
Hampshire Trust Bank
2024.01 - Current
Relationship Manager
Hampshire Trust Bank
2022.06 - 2024.01
Relationship Manager Assistant
NatWest Commercial/Corporate Real Estate
2018.09 - 2022.06
Certificate in Lending Skills (CCBI) -
Chartered Banker Institute
Professional Banker Certificate -
Chartered Banker Institute
Level 4 HNC Diploma - Uniformed Public Services
Barnsley University
Extended Level 3 Diploma - Uniformed Public Services
Barnsley College