Francesca Bennett Email & Phone Number

Arizona, United States

Birmingham, England, United Kingdom

Responsible for the assessment, authorization and monitoring of lending within delegated discretion of £3,000,000 (asset based), £300,000 (unsecured) plus soft facilities. Portfolio management including covenant compliance and renewal assessment. • Assessments included financial analysis (management information, financial statements, budgets, projections, cash flow forecasts and covenant stress testing) and non-financial analysis (Director and Management background checks, security and sector assessments).• Assessment and monitoring lending propositions outside of own lending discretion; presented recommendations to senior colleagues and Committees for lending sums up to £10,000,000.• Contributed towards the regular review of Credit Policies, Procedures and SLA’s.• Reviewed property and business appraisal reports with recommendations discussed and agreed with Solicitors.• Reviewed waiver requests submitted by the Lending Administration Team; approved where appropriate.• Provided guidance on lending related issues to Relationship Managers. • Trained Assistant Credit Underwriters and aided the onboarding process for new Underwriters.• Industry experience (United Kingdom) – Pharmacy, Dental, Commercial Real Estate, Housing Associations, CDFI’s, Charities and SME’s.

Stratford-Upon-Avon