Stephen Kemp - Ba (Hons), Msc Email and Phone Number

As Commercial Relationship Manager for West Region, I am responsible for providing amazing customer service to a portfolio of established Commercial Metro Bank customers . In addition I risk assess and structure new borrowing requests from origination through to drawdown, both for existing customers and new introductions. I am a generalist with excellent experience in providing banking advice to businesses and individuals with t/o of £1m - £25m, across a broad range of sectors individuals for… Show more As Commercial Relationship Manager for West Region, I am responsible for providing amazing customer service to a portfolio of established Commercial Metro Bank customers . In addition I risk assess and structure new borrowing requests from origination through to drawdown, both for existing customers and new introductions. I am a generalist with excellent experience in providing banking advice to businesses and individuals with t/o of £1m - £25m, across a broad range of sectors individuals for all banking related matters. Show less

Consistently high performing Credit Manager embedded within the West Region Commercial Banking Team, having responsibility for leading early engagement conversations with commercial lenders establishing early Credit appetite.I proactively support commercial lenders by meeting customers jointly, with a personal lending discretion of up to £500k. Additional responsibility for monitoring and control of arrears on the West Region lending book.Skilled at assessing credit applications… Show more Consistently high performing Credit Manager embedded within the West Region Commercial Banking Team, having responsibility for leading early engagement conversations with commercial lenders establishing early Credit appetite.I proactively support commercial lenders by meeting customers jointly, with a personal lending discretion of up to £500k. Additional responsibility for monitoring and control of arrears on the West Region lending book.Skilled at assessing credit applications including analysis of financial information for businesses up to £1.5m turnover with additional focus upon monitoring and control, compliance and governance.Empowered and adept at ensuring that 1st line commercial lenders regularly review and monitor customer facilities and overviewing their recommendations as the Banks 2nd line. Show less

As a skilled credit underwriter and business development manager, I am currently working for Barclays Business across the Wales and the South West Region, with particular focus upon contributing to the improvement of the Barclays brand both internally and externally.I have a personal lending discretion of up to £500k in a single transaction for SME customers and Premier customers and where I am responsible for:• Providing support with expert advice on deal structuring, helping… Show more As a skilled credit underwriter and business development manager, I am currently working for Barclays Business across the Wales and the South West Region, with particular focus upon contributing to the improvement of the Barclays brand both internally and externally.I have a personal lending discretion of up to £500k in a single transaction for SME customers and Premier customers and where I am responsible for:• Providing support with expert advice on deal structuring, helping to shape lending requests to meet customer needs whilst also optimising income,• Adding value to every deal and every interaction, whether it be through identifying additional fees or income or by enhancing the skills of business managers,• Mitigating impairment through monitoring of accounts and identifying financial deterioration by detecting early warning signs.PROFESSIONAL ACHIEVEMENTS:• Created and continue to chair a highly successful and motivated Employee Engagement Forum of colleagues from across UK Business Banking Risk. Reporting directly to senior Risk Executive stakeholders. The output directly influences employee engagement strategies as well as having a direct and tangible effect on Employee Opinion Survey results each year and sees us highly ranked against other High Performing Organisations.• Nominated for and completed the Aspiring Leaders Programme in 2012 / 2013 focusing upon leading self, leading others and leading the business. This culminated in taking more leadership responsibilities in my current role.• Selected to form a small team to implement a new and highly important business critical project to improve sanctioning for high net worth customers. Chosen for my drive and determination to make positive change in addition to being recognised as being adaptable and resourceful. Show less

• Successfully assisted in formulating and delivering upon vital strategies to return 75% of our portfolio of financially distressed SMEs back to financial health with over £39m of impairment mitigated.• Responsible for strengthening the Banks position by taking new security and mitigating impairment by closely monitoring the accounts of our customers.• Built up a close network of professionals and strategic partners. Responsible for formally instructing them with a view to achieving… Show more • Successfully assisted in formulating and delivering upon vital strategies to return 75% of our portfolio of financially distressed SMEs back to financial health with over £39m of impairment mitigated.• Responsible for strengthening the Banks position by taking new security and mitigating impairment by closely monitoring the accounts of our customers.• Built up a close network of professionals and strategic partners. Responsible for formally instructing them with a view to achieving our strategies. • Maintained regular contact with our customers via email, telephone and face to face meetings to agree upon joint aims and objectives to return the customer back to profitability.• Responsible for ensuring that TCF principles within the team were upheld to the highest standard with over 95% of customers stating that they were treated fairly. Show less

• Relationship Support Manager working in the North of England Corporate Banking Team. • Key member of a small team responsible for managing a portfolio of twenty large corporate customers each with turnovers in excess of £30m.• Regularly attended key meetings with senior management of our large corporate customers relating to their future strategy and banking needs.• Role involved the organisation of internal meetings to meet our objectives both financially and to ensure the… Show more • Relationship Support Manager working in the North of England Corporate Banking Team. • Key member of a small team responsible for managing a portfolio of twenty large corporate customers each with turnovers in excess of £30m.• Regularly attended key meetings with senior management of our large corporate customers relating to their future strategy and banking needs.• Role involved the organisation of internal meetings to meet our objectives both financially and to ensure the highest customer service is being given to clients.• Responsible for ensuring aspects of the customer’s contact with Barclays is exceptional at all times.• Integral in supporting my Relationship Director in attracting new business to Barclays. Show less

• Small Business Support Team Manager, worked as a member of a large, highly trained team dedicated to assisting small businesses with their financial needs. • Undertook extensive training including lending accreditations. Extensive knowledge of computer systems, banking regulations and codes and proven customer service skills.

• Consultant to Business Link examining the success to date of a cluster of I.T. SMEs who have formed a Virtual Organisation in East Lancashire.• Involved extensive Internet and library based research as well face-to-face interviews with senior figures within the I.T. companies.• Successfully concluded with the writing of a report into findings which was distributed to senior members of Government Departments and Regional Agencies responsible for allocating funding.