David Pott Email & Phone Number

Manchester, United Kingdom

• Responsibility for the team managing the group wide Wholesale Credit Policy Framework within RBS. This covering such areas as Credit Assessment, Credit Authorities, Credit Risk Mitigation, Aggregation and Problem Management. Effectively ensuring that policy is fit for purpose (e.g. lessons learned and Regulatory requirements) whilst being in a format which is easy to interpret and implement.• Process involves engagement and seeking approval from stakeholder at various levels and geographic locations within the organization.

Manchester

• Responsibility for writing and presenting Bank wide Credit risk appetite and associated limits for various products or asset classes at appropriate Risk Committees. Effectively encompassing the views of various businesses units as well as Credit Risk.• Process involved engagement of stakeholder at various levels and geographic locations (including outside UK) within the organization.• Asset classes covered included amongst other, loan underwriting, bond underwriting, bridge financing (to debt capital markets), Sponsor Owned Corporates and Project Finance.• Undertook the creation of lending guidelines for the asset classes I managed, covering mandatory requirements as well as suggested lending structures.

England, Scotland & Wales

• A specialist team executing highly leveraged transactions, generally MBOs or acquisitions for both existing and new customers with debt up £20m. • A key member of the national central oversight function with the remit of expressing credit appetite and providing the governance/process for subsequent credit application and drawdown of facilities. Team provided support to 5 geographic patches and circa 45 Deal Directors.• Personally chaired sightings committees to confirm credit appetite for Structured Finance deals upto £20m. This involved appetite, structure and pricing debates with Credit, Deal Team and the Relationship line.• Designed and implemented KPI suites. This required new and bespoke systems to monitor impairment, yield, cost of capital and return on equity. Specifically designed to support the long term business strategy as well as to communicate key learning points to the Deal Directors. • Team management of 4 individuals with responsibility for training and career development.• Helped design two leverage training courses with a target audience of Deal Directors, Credit risk and portfolio management. Specific responsibility for facilitating a session on financial modeling.• Collaborated with Credit Policy, Credit Documentation and Deal Directors to ensure a fit for purpose legal process to support facility documentation and security completion.• Conflict coordinator for Business, Commercial Banking and Product Solutions Group within RBS Group. Handling queries and flow of information within RBS Group whilst ensuring that appropriate regulatory requirements were adhered to.

England, Scotland & Wales

North England

• Sanctioned credit applications for customers with an exposure of upto £10m.• Responsible for the day to day management, training and development of a team of 11 people including Sanctioners and Risk Managers.• Developed an induction pack for new entrants outlining the basics of Credit Skills. Covering profit and loss, balance sheet and cashflow analysis, as well as competition and business risk.• Developed, designed and implemented a benchmark for maximizing behaviors and a departmental succession plan.• Represented Credit Risk on front line engagement with Commercial Directors and their teams.

Manchester, Yorkshire And Humberside

Edinburgh, United Kingdom

Associate (Acsi)

Master Of Business Administration (Mba)

Chartered Institute Of Bankers - Diploma In Financial Studies (Dip Fs)

Chartered Institute Of Bankers - Associate (Acib)