David Ridge Email & Phone Number

Belfast, Northern Ireland, United Kingdom

Belfast, United Kingdom

• Customer relationship management of business and corporate client portfolio within the NI market, with lending to trading business’ across various sectors.• Clients varied from SME’s operating within NI through to larger corporates operating internationally with transactions including both new money, and renewal/refinance of existing facilities.• A core requirement of the role was the completion of credit proposals involving the analysis of credit and risk implications of the client and industry to make well informed lending decisions and recommendations.• Credit papers included analysis of the client’s financial statements, modelling of cashflows and repayment capacity, stress testing, and security valuation.

Belfast, United Kingdom

• A one year Master’s in Finance postgraduate qualification.• Modules studied included Corporate Finance, Derivatives, Asset Pricing, International Finance, Risk Management & Analytics, Financial Markets Microstructure, Time Series Financial Modelling, and Research Methods in Finance. • My dissertation investigated the financial reform of China’s stock market over the last 20 years and its impact within global markets.

Sydney, Australia

• Management of client & deal portfolio across industry sectors such as agriculture, manufacturing, mining, and oil & gas, and across multiple geographies of Australia, NZ, Asia, and Europe.• Deal structures included inventory financing, asset backed financing, export financing, and receivables financing, coupled with markets products across commodities, futures, FX, and rates.• As well as ongoing deal management the role included new deal origination & structuring with credit, legal and operational execution on deals ranging in size from $1M to $500M across bilateral, club, and syndicated structures.• Deals were complex structured transactions managed in advanced Excel models used for asset valuation, scenario and stress testing, covenant monitoring, transaction processing, and collateral management.• New and renewed deals required credit submissions detailing risk analysis of proposed financing structure and repayment mechanism, event of default liquidation analysis, and client and industry due diligence.

Sydney, Australia

London, United Kingdom

London, United Kingdom

London, United Kingdom

London, United Kingdom

Master'S In Finance, Finance, General

A one year Master’s in Finance postgraduate qualification comprising of two taught semesters and a dissertation. Modules studied included.

Bachelor Of Commerce, Business, Management, Marketing, And Related Support Services

An undergraduate Bachelor's degree in Business with an additional focus on Management and Marketing.