John Laird Fcibs,Mba, Chartered Banker Email & Phone Number

Glasgow, Gb

Underwriting tailored lending solutions with complex requirements specialising in residential, semi commercial and commercial property transactions throughout the UK up to £25m. A a senior member of the underwriting team with responsibility for underwriting higher profile and higher value deals for the Bank. Key accountabilities include Mentoring and training support to new and less experienced colleagues on the Bank’s appetite, policy and procedures, providing mandate sign off for decisions as required. Recommending team colleagues for new or enhanced lending mandates. Management of higher profile and higher value deals for the Bank. Management of data, audit and regulatory queries from other parties. Presenting to Credit Committee when transactions fall outside of delegated authority. Providing guidance to Lending Managers, Lending Assessors and Servicing colleagues on lending and portfolio issues that arise. Proposing developments and enhancements to the lending policy to evolve the lending policy. Delivering good customer outcomes and demonstrate behaviours that will positively impact customers. Proactively champion fair customer outcomes for all customers.

Leadership of a team of 5 Credit Directors, 3 Credit Executives and 2 Property Surveyors based in Scotland and Leeds but covering the UK.Oversight of the asset quality of the Specialised Sectors Segment portfolio (c£3Bn) within the UK, by way of the approval and review of new and existing Customer credit applications together with control and monitoring of borrowing positions.Undertaking Credit Risk assessment and decisioning in accordance with the Group Risk Appetite as determined in agreed Credit Policies and Procedures.Quality service to internal customers including coaching, provision of feedback, specialist industry information and advice on the quality of Credit Submissions.Proactively reviewing and recommending improvements to Credit Policy and Procedures.Liasing closely with Head of Specialised Sectors in support of the delivery of his business plans.Accepting full responsibility for lending decisions made within individual and joint Delegated Commitment Authority (DCA) up to £75M and/or recommending to a higher authority beyond personal DCA. Member of Transactional Credit Committee.Ensuring that the risks of lending proposals submitted are properly identified, assessed and mitigated appropriately. Completion of Credit Decisioning responsibilities within the requirements of Service Level Agreements. Supporting the Specialised Sectors aspirations for Asset growth with a balanced approach to Asset Quality and Risk Reward.. Working closely with Specialised Sector Teams across the UK, including participation in Team meetings and undertaking customer visits in support of Corporate Directors.

Board Member of the YCB Defined Benefits Pension Scheme. Member of the Administration Committee.

Part of a small highly specialised lending team, responsible for assessing and approving the large, high risk or complex transactions across the UK. These include corporate transactions (t/o greater than £25M) or highly leveraged mergers and acquisitions. Responsibility for Scotland and London regions. Seat on the Regional Corporate Banking Leadership Teams, management of relationships and credit standards with front line Corporate Bankers and interaction in the market with customers, prospects PE houses, sponsors, corporate finance houses, advisors, diligence providers etc. Secretary to Credit Oversight Committee while in this role.

Temporary responsibility for management and work-out of a c£5Bn property book, while the existing incumbent worked on the project to transfer the commercial property book.Approval of bad debt provisioning & write-off’s, management of bad debt forecasts, agreement of individual file strategies, management of insolvency practitioner and other professional relationships, attending and taking control of challenging meetings, representing the department at various forums such as, regular presentations to the UK Executive Committee, presentations to the Head of Group Specialised Lending in Melbourne, membership of the National Commercial Real Estate Forum. Lead team of 52 staff across 3 centres (Glasgow, Leeds and London) and management of ad-hoc special projects diligence activities or information requests in respect of the distressed commercial real estate portfolio

Glasgow

Part of a small highly specialised lending team, responsible for assessing and approving the large, high risk or complex transactions across the UK.These include corporate transactions (t/o greater than £25M) or highly leveraged mergers and acquisitions.Responsibility for Scotland and London regions.Seat on the Regional Corporate Banking Leadership Teams, management of relationships and credit standards with front line Corporate Bankers and interaction in the market with customers, prospects PE houses, sponsors, corporate finance houses, advisors, diligence providers etc.Secretary to Credit Oversight Committee while in this role.

Chartered Banker And Fellow Of The Institute

Master Of Business Administration - Mba

Certificate In Corporate Finance