• Advise on deal structuring, collateral and covenants to ensure optimal financing structures for transactions across a broad range of industries (e.g. Professional Services, Real Estate, Wealth Management, Healthcare, Engineering etc)• Complete financial performance analysis and modelling• Assess counterparty credit risk across transactions predominantly secured on a goodwill or cash flow basis• Restructure existing debt, analyse and advise on existing lending exposures and increases• Strong business and commercial property valuation analysis skills• Conduct due diligence and support client pitching and negotiation through the preparation of materials for and attendance at client meetings• Collaborate with Relationship Managers, Risk Management Group (RMG) and Collateral Management to provide industry insights and an understanding of complex corporate structures• Manage a team of analysts: technical and soft skill development and training

BFS Credit Risk:• Driving efficiencies through the development of trend analysis templates to streamline data extraction and useability – enabling me to present analytical and technical findings in a meaningful way• Developed the TSA collections policy and updated existing BFS credit policies• Performed industry analysis and bench marking, advising senior management on changes required to optimise the client experienceDEFT Payments Systems – Product & Technology • Business analyst (Agile) working with business and technology stakeholders to identifying and propose suitable solutions to existing processes, whilst providing support and guidance • Assisted to manage a team of 8 developers and several successful business deliveries against critical deadlines• Introduced rigorous refinement strategies and formal tracking methods which improved collaboration, efficiency, accuracy and the reliability of product deliveries • Contributed to the refinement of product changes to achieve optimum outcomes for users whilst integrating regulatory changes, by providing guidance to senior stakeholders • Identified areas of improvement for the business to satisfy governance requirements, by performing system analysis and challenging current processes

• Performed strategic analysis on pricing and decision trends post the implementation of automated pricing tools, which I presented to senior management• Developed collection procedures and documentation templates which have been used nationally to support the Business Banking Credit Policy