Having worked full time since the age of 16 I took the opportunity for some downtime to recharge the batteries!

Responsibility for supporting frontline, customer facing relationship management teams with the writing of credit reports for onward submission to the Bank’s credit department.• Working upon complex lending transactions with a review to gaining a credit sanction from the Bank’s underwriters to move the deal forward for the customer/prospective customer.• Supporting front line NatWest managers with the management of their customers who are suffering financial difficulties. Working with the Manager and the customer to put in place a strategy to aid the customer’s financial performance turnaround whilst at the same time protecting the Bank’s position.• Perfecting security and facility documentation that is being produced in support of the transactions mentioned above.• Ensure compliance with all aspects of the Bank’s key Operational, Conduct, Credit and Regulatory risks.

Responsibility for developing and managing a portfolio of circa 75 SME businesses in Midlands and East Region. • Maximising profitability for the Bank; regular contact strategy for my portfolio, ensuring my clients’ needs are fully understood and met; providing products and services best suited to each client including lending packages, commercial insurances and asset finance.• Achievement of income and asset growth targets including; managing a £15m asset book through recession and £32m deposit book in an ever increasing competitive market.• Ensuring that the Treating Customers Fairly principles and regulatory standards are strictly adhered to, protecting both my clients and the Bank.• Winning new business for the Bank through attracting new clients to bank with us where their business annual turnover generally ranges between £2m and £25million, including maintaining on going professional and effective customer relationships.• Attracting and building strong relationships with new Introducers and professional intermediaries, through effective networking in the Milton Keynes area.• Proactive management of customer relationships to drive continuous improvement in customer service, as well as early identification of risk and proactive engagement with key risk partners.• Positive risk management, including Credit and Financial analysis; maintaining high standards of data quality to improve accuracy of capital reporting and supporting better informed decisions.• Play a pro-active role in ensuring there is strong teamwork, co-operation and engagement across the team/business• Key achievements • One of a few people within Commercial Banking to achieve Chartered Banker of Scotland status through use of previously completed ACIB to top up to Chartered Banker status.• Completion of Diploma in Lending Skills.• Successfully managed the portfolio of customers through the financial crisis discharging all responsibilities in terms of risk monitoring and control.

Responsible for developing and managing a portfolio of circa 250 small to medium Business Banking customers.• Gaining new business for the Bank through the sale of various business lending packages, commercial insurances, asset finance and other non core banking facilities; tailoring products and services to individual client needs. • Attracting and establishing new introducers and maintain client relations with existing customers.• Attracting new clients with annual turnover ranging up to £2million, maintaining an on going professional and efficient relationship.• Effective account management within a business to business environment, whilst maintaining an excellent customer service proposition.• Organising time effectively to allocate appropriate resources to customers taking into account profitability and potential; maintaining and developing relationships, including regular service reviews and site visits.• Proactive management of customer relationships to drive continuous improvement in customer service, as well as meeting lending and security deadlines, as well as regulatory standards• Positive risk management, including Credit and Financial analysis and managing daily excess positions effectively; maintaining high standards of data quality to improve accuracy of capital reporting and supporting better informed decisions• Key achievements during the role include: - o Awarded the title of NatWest’s UK Business Manager of the year for 2005,o Attended NatWest’s Achievers Awards for 3 consecutive years between 2006-2008o At its peak managed lending book in Business Banking that exceeded £32mo Received the highest possible appraisal mark of 5 for 3 consecutive years between 2006-2008

Responsible for operating retail oulets for the Bank in two locations, leading a team of staff to achieve Sales and Service standards.• Key achievements during the role include :- Cheapside branch (2001-2002) was an underperforming unit when I took up the Managerial position. Cumulative Sales performance taken from 73% when I started to 112% by year end 2001. During 2002 Branch awarded a place at the Regional Service Achievers awards through achieving marked improvement in Service scores. Best in class Credit Stewardship score for City of London branches 2002.City of London Branch (1997-2001) – Successfully managed transition from traditional City Office branch to Customer Service branch, with branch achieving all Sales and Service targets each year during my tenure. Branch had significant importance in City and West End Region given the level of its income generation with 16,000 Personal customers. Top performing branch in City and West End for Sales in 1998.

Branch Manager at West Hampstead branch where I ran a team of 8 in the operation of the retail branch.

Responsible for the operation of the customer facing, frontline, customer services team in the busy St Albans branch