Melanie Sables
Picktree Village,Washington
Summary
An experienced and self-motivated banking professional with excellent interpersonal and credit risk skills.
A strong people leader with proven commercial awareness and the ability to advise, structure and underwrite lending decisions.
Experienced in managing partnerships for Business Banking and aligning values, credit risk principles and credit underwriting processes.
An effective negotiator who builds effective relationships with key stakeholders.
Proficient in project management and implementing changes to support growth initiatives.
Overview
36
36
years of professional experience
14
14
years of post-secondary education
Work History
Portfolio Risk Transformation VP
Barclays Bank UK PLC
London
01.2018 - 01.2025
- Managed Business receivable partnerships for Business Banking clients.
- Completed due diligence to align values, credit risk principles, credit underwriting and arrears processes for partnerships.
- Developed mandatory lending criteria and scorecards to support automated lending.
- Led Credit Risk Policy and Compliance reviews for Business Banking.
- Completed regulatory reporting to the PRA.
- Delivered roll out objectives to comply with regulatory changes in arrears management processes.
- People leader for the team, to develop and assist new team members.
- Responsibility for quality assurance checks for business bank lending.
Senior Credit Manager
Barclays Bank UK PLC
London
01.2012 - 01.2018
- Credit underwriter for the Larger Business sector with a personal lending discretion of £50 million.
- Primary point of contact for relationship teams across the UK to shape and structure new lending propositions
- Specialist credit support to the Education, Social Housing and Local Authority sectors
- Collaborated with the arrears team to implement turnaround strategies
- Primary contact for the ABSA team in Africa and aligned best practice and policies
Senior Auditor and receivables surveyor
Barclays Trade and Working Capital
Basingstoke
11.2007 - 11.2012
- Credit underwriting for existing and new business customers, working with a £35 million personal lending discretion.
- Corporate receivables assessor with responsibility for conducting surveys at customer’s premises and assessing their suitability for confidential invoice discounting.
- Audit completion for existing business customers, including portfolio reviews and new lending requests.
- Achieved higher accreditation to conduct solo surveys and stock audits
General banking duties
Barclays Bank Plc
Durham
01.1989 - 01.2007
- Various general banking duties.
- Mortgage Specialist
- Corporate Managers assistant
Education
Bachelor of Science - Financial Services
UMIST
01.1997 - 01.1999
Chartered Institute of Bankers - Banking ACIB
Sheffield Hallam University
01.1993 - 01.1996
Banking Foundation Diploma
University of Northumbria
Newcastle Upon Tyne 01.1991 - 01.1992
3 A levels & 9 O levels (A-C)
St Leonard’s
Durham 01.1981 - 01.1989
Skills
- Stakeholder Management
- Decision making
- Adaptability
- Credit risk analysis
- Credit underwriting - business lending
- Coaching skills
- Audit and Receivables assessment
- Task and deadline driven
- Experienced in change management solutions
- Experienced people leader
Interests
- Pilates, Yoga
- Dog walking
- Home improvements
Timeline
Portfolio Risk Transformation VP
Barclays Bank UK PLC
01.2018 - 01.2025
Senior Credit Manager
Barclays Bank UK PLC
01.2012 - 01.2018
Senior Auditor and receivables surveyor
Barclays Trade and Working Capital
11.2007 - 11.2012
Bachelor of Science - Financial Services
UMIST
01.1997 - 01.1999
Chartered Institute of Bankers - Banking ACIB
Sheffield Hallam University
01.1993 - 01.1996
Banking Foundation Diploma
University of Northumbria
01.1991 - 01.1992
General banking duties
Barclays Bank Plc
01.1989 - 01.2007
3 A levels & 9 O levels (A-C)
St Leonard’s
01.1981 - 01.1989
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