I’m a relationship-focused Credit Risk Executive, with extensive credit, origination, relationship building, portfolio management and transformation experience across the corporate banking and CRE industries, spanning global credit cycles and the capital structure. If you review my profile, you’ll find breadth of leadership experience, depth of technical expertise and overall sound risk judgement ◊ shaping credit appetite strategy and policies ◊ understanding client strategies ◊ inspiring rigorous credit / structure analysis ◊ approving / supporting disciplined business growth within appetite ◊ driving risk management framework transformation ◊ overseeing robust portfolio management, leading structuring of work-out credits and overall risk reporting. Leadership, Relationship Building and Collaboration are fundamental; building, developing and motivating high-performance teams and working in partnership with trusted stakeholder relationships. I lead with integrity, authenticity and empathy in aligning goals with strong underlying values and behaviors. Culture to Succeed Together Leadership  Collaboration Relationship BuildingDeliver Disciplined Sustainable Business Growth Credit Appetite Strategy / Environmental, Social & Governance Credit Risk Analysis / Client Due Diligence Credit Sanctioning / Capital EfficiencyRobust Oversight and Reporting Pro-Active Portfolio Management and early identification of weakening credits Risk-Focused Industry and Client Deep Dives Real-Time Data / Horizon Risks  Overseeing restructure and work-out of financially distressed creditsEmbrace the Future Innovation - Technology and Data Analytics Risk Framework Transformation New Ways of Working Please contact me at normanmurrayscott@gmail.com