
Experienced banker and lender for 25 years + primarily operating in the corporate and commercial space across a broad range of sectors. I have held roles in relationship management, training, leadership, and credit. Skilled in evaluating financial statements coupled with assessing non-financial drivers such as management capability, to ensure optimal credit decision making to support business growth.
Critically assess and help structure credit proposals within my own lending authority and for onward consideration up to UK committee level. Responsible for making credit assessments and decisions across a full range of lending scenarios and sectors, based on detailed financial and cash flow assessments, and through conducting market due diligence and understanding key risks within businesses.
Helped lead a large city centre branch to deliver strong balance sheet growth whilst maintaining operational and credit quality. Responsible for coaching a team of successful corporate and private banking managers particularly when preparing credit proposals within my own lending authority and for onward submission to credit committee decision levels.
Working with a portfolio of mid market trading businesses and large property companies to deliver financial solutions to support their growth aspirations. I prepared credit proposals within my own delegated lending authority as well as preparing proposals for higher decision levels
I supported and provided financial solutions to a portfolio of mid market business customers to deliver a professional service and be a trusted adviser to clients across a range of sectors including manufacturing, retail and wholesale, construction, transport, services, consultancy, and property. I prepared credit proposals across a broad range of lending scenarios including structured finance, cash flow lending, secured and asset based lending.
I joined NatWest in 2001 working up to Branch Manager in 2003, then moving into business and relationship manager roles in 2005. In 2011 I also led a team of business relationship managers as Director, Business Banking on a 9 month secondment.