Antony Smith Email and Phone Number

Responsible for commercial charged security processes, supplying credit operations technical expertise. Working closely with stakeholders across the business to provide a seamless end-to-end client journey, technical subject matter expertise and point of reference. Managing established risks and issues and ensuring mechanisms are in place to identify potential future problems.

Communication and Policy development, responsible for end-to-end delivery and communication of policy initiatives and system changes. This included drafting communications and managing changes through appropriate corporate governance structures, including committees, working groups and steering groups.• A key player in the delivery of a range of policy initiatives and system changes, ensuring requirements were communicated and implemented compliantly, on time, clearly and simply. • Co-ordinated implementation, communications and training material for over 30 projects, requiring a high level of stakeholder management, delivering internal and external communications to a diverse audience across all Lloyds Banking Group brands and channels, including external Intermediaries – resulting in clear and unambiguous direction for end users.• Leveraged extensive contacts within and outside the business to deliver positive outcomes, including liaising with internal and external suppliers as required. • Managed content updates for internal procedures and externally facing websites. • Acted as subject matter expert and source of reference for governance and policy.• Highly regarded as an expert communicator, delivering complex information simply and clearly, receiving extensive positive feedback.

Responsible for the communication, development and oversight of Retail Credit Risk Policy, establishing and maintaining the frameworks for policy and governance to ensure policies met the needs of the business while complying with statutory and regulatory requirements.• Worked with business units to define and communicate responsibilities, accountabilities and controls to facilitate and evidence high quality Credit Risk management. • Co-ordinated gap analysis to ensure areas for improvement were identified and action taken to remedy.• Provided ongoing challenge and support to ensure policy requirements were maintained and continued to be met. • Built the Retail Credit Policy internal website, working with third party suppliers, providing content and ensuring the site was delivered on time and to budget.• Developed customer focussed policy and processes for dealing with lending complaints, significantly improving consistency and fairness of customer outcomes.• Helped to design and implement the bank’s response to regulatory requirements for responsible lending, financial difficulties and mental capacity – ensuring simple processes were put in place to protect vulnerable customers.

Responsible for change management of credit initiatives within the Personal Loans team, focussing particularly on training and communications.Achievements• Co-ordinated policy development and process design for multiple projects, including improvements to the sales process and implementation of enhanced affordability assessments.• Updated and revised all aspects of Retail Credit training and Procedures, working with multiple stakeholders.

All aspects of branch banking, progressing to Relationship Management as a lender and Mortgage Adviser. Achievements• Consistently met and exceeded customer expectations, providing advice and appropriate products.