Patrick Burke Email & Phone Number

Scotland, United Kingdom

Glasgow, Scotland, United Kingdom

UMi Debt Finance Scotland https://www.weareumifinance.scot/I helped Scottish Small Businesses with lending from £25,001 to £250,000. The Loan Fund, operated through the Scottish Growth Scheme helped accelerate the growth, development and innovation of businesses in Scotland, complementing other private and public sector forms of funding. The mission was to enable businesses in Scotland to grow and thrive and to boost the Scottish economy.

Glasgow, Scotland, United Kingdom

Using my extensive financial services experience, I provided consultancy and contracting services to major UK financial organisations.

Cybg Plc Head Office, Glasgow, United Kingdom

Developing positive and profitable relationships with non-bank customers, significantly increasing the organisation’s customer base.Reviewing Financial Accounts, Projections and Business Plans from existing and new to bank customers.Writing and submitting Credit Reporting Papers for lending requests up to £500,000.Ensuring Credit Risk appetite was followed and that all due diligence is carried out on new and existing customer requests.Assisting with the creation of social media accounts for the organisation, including; Twitter and LinkedIn, whilst using these to expand the organisation’s promotional campaigns.Helping to increase the organisation’s sales.Being ‘On Track’ against agreed targets within Company Performance Guidelines.Attending Networking and Business events promoting the CYBG brand.Ensuring new business is referred by Brokers through the Bank’s Broker/Intermediary Panel.Following Bank KYC procedures when identifying customers and opening up Bank accounts.

West Of Scotland

Forged, maintained and nurtured strong relationships conducive to business development, notably with Business Partners (Asset Finance, Invoice Finance, Treasury, Credit Cards, Merchant Services), enhancing cross-selling opportunities, whilst maximising return for the bank.

Glasgow, United Kingdom

Ensured the skills, behaviours and culture of the people in Business Banking are aligned to the delivery of business objectives.Responsibility for driving and actioning people related activities to achieve the people targets of Business Banking developing resourcing plans and processes. Supported Leaders to continually develop, coach and inspire the teams to greater success.Developed appropriate and timely MI to support people planning and management.Forecast Headcount and budgetary requirements for circa 200 staff.Developed plans and processes to ensure we recruit, develop and retain the very best people who will deliver the business objectives and exemplify our core values.Worked with the Regional Finance Manager to monitor staff numbers, ensuring these are in line with budget ensuring resourcing activities met headcount requirements.Ensured that Business Banking Accreditation Training programme (Chartered Banker) was rolled out through the Scotland Region.Understand and complied with Conduct Risk requirements to meet the Group’s Conduct Risk policies and the expectations of regulators.Responsibility for communications issued throughout Business Banking in Scotland.Daily interaction with the Regional Managing Director organising Board Meetings and ensuring the output of these meetings were monitored and met.Exposure to Lean and Agile Methods as Technology for customers and staff changed throughout the business.

West Of Scotland (Glasgow, Dumbarton, Helensburgh & Argyll)

Forged, maintained and nurtured strong relationships conducive to business development, notably with Business Partners (Asset Finance, Invoice Finance, Treasury, Credit Cards, Merchant Services), enhancing cross-selling opportunities, whilst maximising return for the bank.Manage a portfolio of customers by face to face, telephone, e-mail and post.Work successfully with Business Partners to identify customer needs and enhance cross-selling opportunities to maximise return for the Bank and ensure the customer has the correct service. Develop a broad network of close relationships with brokers, introducers and intermediaries.Ensure that I adhere to Credit Stewardship/Risk with the Daily Excess Report (DER) and Manager’s DailyReport (MDR) whilst making sure overdraft reviews are up to date. Consider and review customer requests for borrowing promoting our products such as RBS Fixed Rate Loan.Writing and submitting Credit Reporting Papers for lending requests up to £250,000.Write reports to the Central Credit Department to support customer requests for borrowing either by term loan, overdraft, credit card or other specific borrowing.Attend Local Partnership Boards with other areas of the Bank to ensure collaboration.Deputise for my Local Director (Line Manager) when required.

Glasgow, United Kingdom

Working with and assisting Relationship Directors in day to day tasks. Managing the expectations of the customer throughout the credit process in a professional, sensitive and timely manner.Working on credit risk activities and delivering crucial, prudent and responsive debt solutions to customers.Working with a diverse range of clients and business partners as you help us to support UK businesses and drive a continually improving level of customer service.Build relationships with commercial customers opening up new opportunities for them. Helping RBS become the number one bank for small and medium-sized enterprises in the UK.Helping RBS by managing capital responsibly and prudently.Ensuring adept credit stewardship with robust and proactive risk management.Liaising with the internal Credit and other function teams, to provide credit risk analysis and workable debt solutions to customers. Building Trust with new customers and deepening our relationship with existing ones, so that we can reach our goal of being the number one bank for customer service, trust and advocacy.

Edinburgh, United Kingdom

Manage a team of 12 Complaint Handlers Gather all necessary documentary evidence in relation to complaints, and accurately assess and evaluate in accordance with regulatory ProceduresProactive prioritisation and management of own allocated workloadConduct telephone interviews with customers as necessaryGather data required from internal departments and collate their contribution to the investigation of a complaintEnsure all incoming call enquiries are handled quickly and efficiently and in an customer focused way, providing the customer with a professional serviceMake a final decision on the merits of the complaint Calculate redress, distress and inconvenience payments where appropriate.Communicate the outcome to the customer in writing and by telephone and resolve any remaining customer issues, concerns and objections in regard to the resolution (both in writing and verbally).Maintain and develop both own technical knowledge and expertise.

Edinburgh, United Kingdom

Assess Credit Applications for RBS Personal and Business Banking customersRead and review customer financial informationEnsure EBITDA calculations are worked out including ratios and debt servicingMake decisions based on internal bank policy and bank appetite Communicate decisions to bank staff passing on any learnings and identifying training needs where appropriate

Glasgow, United Kingdom

(Secondment whilst also working as the Regional and Business Manager with RBS)Maintained, monitored and reported on Entrepreneurial Spark outcomes, deliverables and impacts.Optimise all opportunities for RBS to engage with Entrepreneurial Spark and the wider business ‘ecosystem’.Responsible for ensuring RBS gets value from the partnership with Entrepreneurial Spark. Ensuring that any financial support provided to Entrepreneurial Spark is well used and accounted.Provide sound financial and growth advice to Entrepreneurial Spark occupants. Delivering one to many sessions on a variety of financial topics to the Entrepreneurial Spark occupants.Proactively meet with all Entrepreneurial Spark occupants to assess the support they require prioritising (Established businesses.)Responsible for all opportunities presented by RBS relationship with Entrepreneurial Spark by leveraging the RBS network to support the Entrepreneurial Spark occupants. Established and maintained relationships with the key professional and intermediary communities to raise the profile and enhance the reputation of the RBS Group and Entrepreneurial Spark in the marketplace.

Bachelor'S Degree, International Journalism, Honours Degree

Activities and Societies: Journalism, Student Newspaper, Politics, Debating, Local Student Councils Graduated from Liverpool John Moores.

Higher National Diploma, Journalism, Hnd

Graduated from James Watt College in 1998 with a HND in Journalism.

National Certificate, Communication, Media Studies & Production, Nc

Graduated with a NC in Media Studies in 1996.