A member of the Larger Corporate Middle Office responsible for a portfolio of customers with primary exposure in excess of £10m. Delivered high quality credit analysis, developed practical, appropriate solutions and compiled robust, accurate credit submissions for sanction/Credit Committee. Collated, managed and reviewed customers’ financial information, including covenant compliance and recommendations for remedial action on breaches seen. Worked in partnership with relationship Director and other specialists to ensure cohesion and developed customer relationships with high profile Managing and Finance Directors.Selected to be Regional champion for monitoring and control of efficiencies and project implementations, acted as a driver for the team, leading meetings and monitoring performance to ensure timely delivery of a regulatory “issue assurance” reconciliation/migration project. Received an outstanding contribution to the business award for the effective delivery of the issues assurance project.

A credit professional responsible for credit risk, structuring transactions and sanctioning advances covering multiple industry sectors across the Medium Business & Agriculture, Local Business and Premier Sectors. Ensured the optimal quality of the credit portfolio by application of best practice in decision making, monitoring of advances and key governance implication/adherence. Provided a centre of excellence, referral and support to key stakeholders ensuring achievement of business sector, customer and bank objectives.

Analysis, approval and recommendation of risk products for high net worth clients. Identified and recommended changes to the retail risk design to improve cost-effectiveness and supported the implementation of change policies. Managed a Team/Portfolio specialised in assisting high value clients in financial difficulty, providing bespoke solutions with the aim of returning clients to mainstream banking. Provided a consistently high standard of service/support and interfaced with sales and service teams.

Conducted initial assessment and approval of unscored branch based lending products. Managed and motivated, to a high level of performance, an enthusiastic team of nine staff in overseeing the monitoring, control and recovery of the personal sector lending portfolios in accordance with Bank policies and procedures. Developed and implemented training and coaching plans to build people and improve flexibility. Optimised operational efficiency to 140% through effective management of workflow systems and delivery of increased levels of output. Successfully implemented nationwide “change” policies and procedures. Achieved a “very good” internal audit report with commendation given to the common sense approach adopted – the first such finding for the specified area within the region.

Joined Barclays Bank Plc on the accelerated training programme for “A” level entrants. Thorough and diversified branch banking experience gained, progressing through various positions including queries, cashiering, first cashier, share dealing, securities, personal lending, recovery officer (personal and corporate) and regional personal lending analyst