Pamela Ross Email & Phone Number

Glenrothes, Scotland, United Kingdom

Scotland, United Kingdom

Edinburgh, Perth & Fife

• Responsible for the successful credit management of 75 -120 trading companies across Edinburgh and Fife, reporting to the Head of East Scotland.
• Manage new customers developing strong relationships and achieving cross sales with both business and personal clients
• Successfully lent £1.5m of new money through various structures In first 12 months of position
• Ensure portfolio is100% compliant with all regulatory requirements
• Developed new credit memo for commercial banking and successfully piloted new training course Partner Business 2010 – 2012Actively credit managed a portfolio of trading and real estate connections, the majority of.
• Maximised returns through re-pricing, cross-sales, and debt reduction

Scotland

• Controlled the sale of Global Cash Management solutions throughout Scotland to Corporate and Commercial clients, reporting to the Head of Payments.
• Worked with key partners across the complete cycle from implementation to completion
• Proactively worked with clients, helping them to analyse their international business requirements, and provided solutions to improve working capital and return on funds
• Generated in excess of £800k income in 2010
• Overachieved personal target by 400%

Edinburgh, United Kingdom

• Responsible for the credit management of a portfolio of Scotland’s largest clients, Improving and ensuring that the team passed internal and external audits, reporting to the Senior Director.
• Engaged with all main business partners ensuring excellent business relationships
• Grew portfolio organically and through new business with increased client take-on
• Identified cross-sales opportunities leveraging strong business relationships

Edinburgh

• Responsible for the credit management of a corporate portfolio of clients in Scotland and London, reporting to the Senior Director.
• Engaged with all main business partners ensuring excellent business relationships
• Grew portfolio organically and through new business with increased client take-on
• Identified cross-sales opportunities leveraging strong business relationships

Edinburgh

• Supported a portfolio of trading and real estate clients with a minimum turnover of £25m, reporting to the Director of Corporate Banking.
• Prepared and submitted Credit Applications ensuring approval of new and existing facilities
• Monitored the credit worthiness of customers through analysis of audited and management accounts, ensuring their compliance with specified covenants
• Good working knowledge of the BofS Nexus system ensuring Basel II compliance
• Developed and managed junior team members on an on-going basis