Managing Goldentree’s exposure and relationship with a portfolio of Borrowers who are typically small builders and property developers• Liaising with the New Business team to ensure a new client take- on proceeds smoothly• Risk Management – assess risk at all times • Dealing with Monthly Stage Claims • Updating client notes on the system • Maintaining diary system to chase for outstanding information • Interfacing with appointed Quantity Surveyors • Attending Monthly Portfolio Management and weekly client update meetings • Prepare for and to ensure that the Client Reviews are undertaken and completed on time, i.e. to include extensions and other amendments to Facilities • To maintain and develop a good close working relationship with the clients

Working within the Recoveries Team managing a portfolio of Circa 45 recovery cases at a time with exposure of between £100 & £250,000.Key focus was to treat customers fairly and understand the reasons why they had fallen into financial difficulty to be in a position to assist them to back on track. • Delivered professional and effective customer service probing in-depth customers personal and financial circumstances to negotiate and agree strategies for repayment of their bank liabilities.• Agree forbearance events to assist Borrower to ensure Loan repayments were affordable to the Borrower.• Made informed decisions on the best way forward to maximise recovery and reduce potential losses.• Provided recommendations in terms of strategy and presented these to a senior bank personnel for approval.• Completed all quarterly/annual reviews in a timely manner within the agreed SLA targets• Liaised and negotiated with solicitors, accountants, LPA receivers and insolvency practitioners on recovery action and costs in order to ensure the best outcome for the customer and the Bank• Communicated openly and honestly in a timely and empathetic manner especially when assets were to be sold or repossessed, ensuring that the customer was kept informed at all times

Working within the Lending Drawdown Department within a team of 11, managing completions of Loan Drawdowns and Redemptions of deals ranging from £25,000 to £100m• Ensuring that products such as loans, overdrafts are properly validated in line with credit sanctions, before they are provided to corporate and business customers• Liaised and worked closely with Front Office and Recoveries colleagues to ensure that loans/redemptions are completed within agreed SLA's and are completed correctly and on a timely basis in order to provide a first class customer experience• Supported department projects throughout the year and took responsibility for additional tasks to actively reduce the number of reportable items• Ensures that monthly CTQ checks are completed at the end of each month and any fails are reported• Identifies process improvements in terms of Efficiency and Risk• Continually received excellent feedback from Front Office colleagues

Working within the Property Team I was responsible for managing my own portfolio of properties held in pension schemes.• Built relationships with customers and delivered exceptional customer service.• Responsible for the purchase of commercial properties and dealing with surveyors, lenders and solicitors.• Review the funding of proposed purchases.• Reconciling rental receipts and preparing quarterly VAT returns.

Headhunted to work within a highly motivated specialist team of 8, managing a personal portfolio of up to 40 recoveries cases at a time with exposure of between £100 & £30mKey focus was to maximise recovery and reduce debt in a timely and cost effective manner• Liaised and negotiated with solicitors, accountants, LPA receivers and insolvency practitioners on recovery action and costs in order to ensure the best outcome for the customer and the Bank• Produced reports which contain recommendations in terms of strategy and personally presented these to a panel of senior bank personnel for approval• Established and developed relationships to maintain best working practices with professionals• Managed provisions and write off where appropriate • Delivered professional and effective customer service through face to face meetings, probing in-depth customers personal and financial circumstances to negotiate and agree strategies for repayment of their bank liabilities• Communicated openly and honestly in a timely and empathetic manner especially when assets were to be sold or repossessed, ensuring that the customer was kept informed at all times• Made informed decisions on the best way forward to maximise recovery and reduce potential losses• Completed all credit reviews in a timely manner within the agreed SLA targets

Selected to work within a specialised team of 10 who were responsible for managing c£250m of commercial property loans which fell into the Bank’s non-core portfolioThe Bank’s strategy was to exit these committed loans at the earliest opportunity, without incurring increased impairments• Assumed responsibility for a small portfolio of property loans • Ensured that annual reviews were conducted on an annual basis including applications to the credit team for renewals and increased facilities• Adhered to Bank valuation policy, ensuring stated asset values were up to date and negotiated with Borrowers to obtain up to date valuations • Identified breaches in the financial covenants. Issued reservation of rights / breach letters to protect the Bank’s position• Maintained company due diligence, ensuring the necessary information had been obtained with regards to company financials, tenancy schedules and internal systems had been updated and internal procedures followed• Acted as the primary contact for all customers via telephone and processed all customer requests in line with agreed processes and time scales • Built up close working relationships with customers and colleagues in other departments within the Bank including Credit, Securities and other service areas and delivered first class customer service• Attended review meetings and completed credit reviews in a timely manner• Networked extensively across Manchester, including attending Breakfast Seminars and women only networking events,• Ensured credit, risk and regulatory guidelines were strictly adhered to minimising risk to the bank whilst maintaining high operational standards • Liaised with solicitors, independent financial advisers, valuers and brokers.• Worked within tight deadlines on complex business and commercial loans to meet customer needs and setting realistic timescales whilst treating customers fairly

Similar role to the Non-Performing position however this role was supporting two managers in managing their portfolios of highly regarded high value property customers. Providing administrative assistance to ensure that new loans could be drawn down in a timely manner whilst ensuring that all the relevant due diligence had been completed•Promoted to Senior Corporate Adviser (April 2012) assuming responsibility for a small portfolio of property loans. •Ensured that annual reviews were conducted on an annual basis including applications to the credit team for renewals and increased facilities. •Adhered to Bank valuation policy, ensuring stated asset values were up to date.•Maintained company due diligence, ensuring the necessary information had been obtained with regards to company financials, tenancy schedules and internal systems had been updated and procedures had been followed.