Customer Manager dealing raised customer complaints re HomeCare Services in line with FOS guidelines.

• Responsible for a portfolio of over 60 connections to date with a view of seeking full facility repayment or best return for the Society through refinance of debt, asset disposal or customer repayment.• Responsible for the implementation of an asset disposal programme off over 650 residential and commercial properties throughout Scotland leading to debt recovery of over £45m to date.• Negotiating with clients to seek amicable repayment / facility restructure programme, with control… Show more • Responsible for a portfolio of over 60 connections to date with a view of seeking full facility repayment or best return for the Society through refinance of debt, asset disposal or customer repayment.• Responsible for the implementation of an asset disposal programme off over 650 residential and commercial properties throughout Scotland leading to debt recovery of over £45m to date.• Negotiating with clients to seek amicable repayment / facility restructure programme, with control and sale of assets sought by legal means if deemed necessary. Resulted in a further £15m of debt recovery to date.• Maintain close contact with Insolvency Practitioners and other third party partners to ensure required legal, insolvency and sequestration actions are address timeously, and recovery actions are progressed.• Attendance of regular meetings with the Special Administrators of the Society to discuss / recommend / agree ongoing strategies for portfolio connections to ensure best return on facility repayment possible.• Responsible for the monitoring of received client complaints to ensure appropriate responses provided timeously in line with FSA and Banking Ombudsman guidelines Show less

• Provided support to the Corporate, High Risk and Special Administrator teams in respect of assessment of recovery and connection management proposals and strategies. • Specific responsibility for the assessment of credit submissions, providing recommendations for amongst others facility restructuring and extensions, offers of facility repayment, security releases, Enterprise Zone deposit releases and consents to lease requests.• Proactively supervised Relationship Managers with focus… Show more • Provided support to the Corporate, High Risk and Special Administrator teams in respect of assessment of recovery and connection management proposals and strategies. • Specific responsibility for the assessment of credit submissions, providing recommendations for amongst others facility restructuring and extensions, offers of facility repayment, security releases, Enterprise Zone deposit releases and consents to lease requests.• Proactively supervised Relationship Managers with focus on workload allocation, and quality / volume of output.• Ensured that the Society’s position was fully protected at all times in terms of security and insurance of assets as appropriate.• Monitored credit quality and performance of commercial loan portfolio, including the tracking and monitoring of arrears and covenant compliance, taking action and providing recommendations where appropriate,• Preparation and analysis of financial and management for the Special Administration.• Supported Senior Manager and Special Administration teams in implementing new and existing lending policies, procedures and processes.• Involvement and running of special projects as set by the Special Administrator Team. Show less

• As per Credit Underwriter position following successful promotion application, as well as:• Direct reporting line for a team of 25 Senior Lending Managers and assistants for all matters relating lending applications submitted to Credit Underwriting for review.• Direct responsibility for the management of 3 experienced Credit Underwriters providing support, guidance and mentoring, along with the prioritising, planning, organising and delegating workloads for the team.• Overviewed… Show more • As per Credit Underwriter position following successful promotion application, as well as:• Direct reporting line for a team of 25 Senior Lending Managers and assistants for all matters relating lending applications submitted to Credit Underwriting for review.• Direct responsibility for the management of 3 experienced Credit Underwriters providing support, guidance and mentoring, along with the prioritising, planning, organising and delegating workloads for the team.• Overviewed lending proposal recommendations as completed by Credit Underwriters with ability to approve lending up to an increased delegated authority. Presentations to Senior Executive to seek approval of lending applications over delegated authority.• Active role in the preparation of specialist reports and papers for monthly Credit Risk Group meetings and attendance thereof with Board Directors’ and Senior Executives. • Completion of papers for FSA regulatory reporting purposes. Show less

• Undertook detailed assessments of property related Commercial Investment, Residential Investment, Development, Social Housing, SIPP and SSAS Pension Lending, and Enterprise Zone lending applications ranging from £500k to £40m, with appropriate recommendations provided accordingly.• Specific responsibility for the approval of loans up to delegated authority of £3m.• Implemented new and reviewed existing lending policies, procedures and processes.• Ensured all conditions of approval… Show more • Undertook detailed assessments of property related Commercial Investment, Residential Investment, Development, Social Housing, SIPP and SSAS Pension Lending, and Enterprise Zone lending applications ranging from £500k to £40m, with appropriate recommendations provided accordingly.• Specific responsibility for the approval of loans up to delegated authority of £3m.• Implemented new and reviewed existing lending policies, procedures and processes.• Ensured all conditions of approval were met prior to the releases of loan monies. • Monitored and developed effective management information to ensure portfolio quality.• Ensured the Society operated within the regulatory rules and limits as set out in the Society’s own lending policies.• Preparation of Credit Risk Group reports and gathering of financial information.• Overview of provisioning policy for Commercial Lending and Social Housing. Show less

Dedicated manager to SME's, FTSE 250 and FTSE 100 companies.Development of new business opportunities with completion of credit applications and presentation to Senior Management and Credit Committee.Researched and implemented a programme of cold calling to leading businesses in the North West with turnover of £25m to £100m. New business of £38m written.