Mark Brassington
Summary
With over two decades at NatWest, A seasoned Relationship Manager, initially specialising in Invoice Finance and later transitioning through support roles in Commercial and Corporate Banking. For the past 8 years, I've thrived as a Business Banking Relationship Manager, adeptly handling a diverse portfolio of 200 customers, spanning general trading, agriculture, property, education, and care. Recognised for strong communication, interpersonal finesse, and collaborative teamwork, I balance these attributes with initiative and resourcefulness in problem-solving. Negotiation is a core skill, ensuring beneficial agreements while maintaining a conscientious approach to safeguarding the bank's interests and ensuring fair customer treatment. With the aspiration to advance to the role of Senior Relationship Manager within the Oxford Commercial Team.
Overview
22
22
years of professional experience
Work History
Regional Relationship Manager
National Westminster Bank Plc
08.2018 - Current
- Customer facing role providing business and financial support to Business customers within the SME sector
- Managing a portfolio of over 200 customers with turnover ranging from £750k turnover to £10m
- Working with customers and prospects in finding solutions for their business goals and aspirations, whether it be funding requirements for the purchase of a property or providing working capital solutions to strengthen cash flow as well as reviewing risks in the business, looking at the best way for a business to make and receive payments and how to protect themselves
- Review business strategy with customers such as succession planning, selling their business or assets or winding their business down.
Relationship Manager
Advantedge Commercial Finance Limited
02.2018 - 07.2018
- Managing a portfolio of circa 60 Clients comprising of Non-Recourse and Recourse Factoring and Invoice Discounting from start-up and upward of £10m turnover across various sectors across London and the South of England ensuring proactive approach is taken to all relationships and performing first class service
- Monitoring client’s financial performance, identifying opportunities and risk
- Completing Annual Reviews and Funding Limit Reviews
- Managing a team which includes a Client Manager and Credit Controllers, carrying weekly team meetings, one to ones and development reviews and offering support and guidance.
Relationship Manager
National Westminster Bank Plc
07.2016 - 01.2018
- A customer facing role providing business and financial support to Business customers within the SME sector
- Typically, customers within the portfolio have a turnover up to £2m
- Working with customers and prospects in finding solutions for their business goals and aspirations, whether it be funding requirements for the purchase of a property or providing working capital solutions to strengthen cash flow
- Have run several internal and external events including an internal product partner introduction meeting for all partners to Relationship Managers on the team and external social media training to local customers.
Assistant Relationship Director
Royal Bank of Scotland
10.2014 - 07.2015
- Working as part of a Corporate Coverage Team, responsible for day-to-day relationship management alongside Relationship Director of a general sectors portfolio of corporate customers turning over £25m+
- Primary contact for Managing Director/Financial Director level management
- Assistance in delivery of whole of bank solutions across wide product suite including operational banking, investments, debt finance, transaction services, international banking
- Comprehensive business, credit, and financial risk analysis skills.
Portfolio Manager
National Westminster Bank Plc
05.2011 - 10.2014
- Providing support to a team of Commercial Banking Relationship Managers for SME Customers with turnover of £2m-£25m in areas of service, Credit, KYC, Sales, New Business as well as ensuring that excellent customer service is delivered to help them achieve their ambitions and work towards exceeding the teams NPS target of 30%
- Have run 4 events including taking ownership, managing and leading a cross team technology seminar
- Ensuring the annual team Credit Stewardship score of 100% is met by doing things Right First Time, thoroughly checking own work and other colleagues work whilst all managing the workloads of 15 Relationship Managers
- Networking with Product Partners including Worldpay, Mentor and Arthur J
- Gallagher & Co
- A flexible member of the team having worked in a variety of locations including High Wycombe, Chichester, Basingstoke, Newbury amongst others.
Assistant Manager, Credit Operations
RBS Invoice Finance Ltd
01.2002 - 05.2011
- I was responsible for managing Prospect Clients from the initial offer all the way through to Take On, whilst ensuring full security and legal documentation are in place including KYC whilst keeping to SLAs
- To ensure the Take On Process runs smoothly I am responsible for liaising with various departments across RBSIF and various external departments / finance institutions and Clients
- Whilst working in the role I have helped with the setup of the new department, putting forward various ideas including the creation of the training manuals and helping with the training of new and existing staff.
Credit Analyst
RBS Invoice Finance Ltd
09.2005 - 02.2008
- Analyse Company Accounts and other relevant information e.g
- Sector trends and press comments, to determine limits for funding or Bad Debt Protection (BDP) for our existing Factoring and Discounting clients in a timely manner
- Manage risk within a portfolio of clients, ensuring high levels of client satisfaction whilst maintaining bad debts within budgeted levels for non-recourse business and avoiding undue excess client funding for Recourse business
- Assess top debtors for new business deals and set BDP pricing for new business.
Sales Ledger Clerk
RBS Invoice Finance Ltd
06.2003 - 08.2005
- Responsible for own portfolio of clients with whom have direct contact
- Accountable for ensuring all sales ledger items are properly reconciled and maintained to audit standard
- Responding to telephone, email and postal enquiries from clients, customers and external colleagues, resolving problems quickly and efficiently to guarantee an excellent standard of service.
Customer Records Clerk
RBS Invoice Finance Ltd
01.2002 - 05.2003
- Responsible for creating and amending company accounts accurately to ensure high standards of client service are maintained, as well as Assisting with the training of new and existing staff when required.
Education
A-Level, Business Studies -
Kingston College
NVQ Level 2- Using IT BTEC-GNVQ- Intermediate Art and Design -
Business Skills College & Brooklands College
01.2000
Nine GCSE’s including Art and Design, English Language, English Literature, Mathematics -
Thamesmead School
06.1997
Skills
- Collaborative Mindset
- Risk Assessment
- Interpersonal Skills
- Decision Making
- Relationship Building
- Financial Analysis
Personal Information
Driving License: Full
Affiliations
- Podcastor
- Welcome Team at Church
Timeline
Regional Relationship Manager
National Westminster Bank Plc
08.2018 - Current
Relationship Manager
Advantedge Commercial Finance Limited
02.2018 - 07.2018
Relationship Manager
National Westminster Bank Plc
07.2016 - 01.2018
Assistant Relationship Director
Royal Bank of Scotland
10.2014 - 07.2015
Portfolio Manager
National Westminster Bank Plc
05.2011 - 10.2014
Credit Analyst
RBS Invoice Finance Ltd
09.2005 - 02.2008
Sales Ledger Clerk
RBS Invoice Finance Ltd
06.2003 - 08.2005
Assistant Manager, Credit Operations
RBS Invoice Finance Ltd
01.2002 - 05.2011
Customer Records Clerk
RBS Invoice Finance Ltd
01.2002 - 05.2003
A-Level, Business Studies -
Kingston College
NVQ Level 2- Using IT BTEC-GNVQ- Intermediate Art and Design -
Business Skills College & Brooklands College
Nine GCSE’s including Art and Design, English Language, English Literature, Mathematics -
Thamesmead School
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