Susan Almack Email & Phone Number

London, England, United Kingdom

Guarantee Operations and Portfolio ManagementEnsuring consistency and scalability of operational processes through the life of all the guarantee schemes. Create and implement an operations strategy for future product launches and responses.Input to the wider bank operating model with regards to the guarantee scheme operations.Ensure first line of defence risk management.Design and implement a consistent Delivery Partner (c130 lenders) engagement strategy working with… Show more Guarantee Operations and Portfolio ManagementEnsuring consistency and scalability of operational processes through the life of all the guarantee schemes. Create and implement an operations strategy for future product launches and responses.Input to the wider bank operating model with regards to the guarantee scheme operations.Ensure first line of defence risk management.Design and implement a consistent Delivery Partner (c130 lenders) engagement strategy working with GWS/Change/Internal Audit/ etc. Design and implement a strategy for onboarding and management of integrated (API) lenders. Show less

London, United Kingdom

Developing, planning and managing major projects for the Guarantees and Wholesale team, including process design and implementation, approvals, procurement, budget management, and internal and external stakeholder engagement:  Designed and implemented a new operating model to enhance product/investment management: ~ process mapping and knowledge transfer, embedding the new mode in the context of the broader business change strategy.  Reduced team operational risk through effective… Show more Developing, planning and managing major projects for the Guarantees and Wholesale team, including process design and implementation, approvals, procurement, budget management, and internal and external stakeholder engagement:  Designed and implemented a new operating model to enhance product/investment management: ~ process mapping and knowledge transfer, embedding the new mode in the context of the broader business change strategy.  Reduced team operational risk through effective resource planning and process automation. Led the strategy to rebuild the IT solution for the Enterprise Finance Guarantee programme, reporting directly to the COO and Board.  Managed internal and external stakeholder engagement across all team delivery partners including large banks, challenger banks, asset finance and invoice finance providers.  Led on GWS product development across the bank to develop comprehensive business cases. Liaised with relevant stakeholders (including Risk, inhouse counsel and Delivery Partners). Developed product investment and due diligence processes, working with key internal stakeholders ensuring appropriate buy in.  Completed analysis and prepared papers for Investment Committee approval and managed due diligence.  Managed the merger transaction between SUL and BBB including bank wide due diligence. Previously, supported delivery of the Start-Up Loans (SUL) programme against the Government’s manifesto commitment and BBB targets by providing necessary MI on programme design, funding requirement and policy issues.  Managed team and project budgets including annual business planning and challenge process with ExCo and relevant government departments. Show less

Dublin

• Overview and ultimate discretion for decision of lending applications • Monitoring of credit portfolio including development of reports and analysis for Credit Committee• Contributed to the 3 year review and ultimate re-write of MFI Credit Policy • Reviewed and re-wrote MFI Credit Management and Procedural Framework, coordinating input from all Staff and ensuring compliance to the Code of Conduct for Business Lending to Small and Medium Enterprises and the European Code of Good… Show more • Overview and ultimate discretion for decision of lending applications • Monitoring of credit portfolio including development of reports and analysis for Credit Committee• Contributed to the 3 year review and ultimate re-write of MFI Credit Policy • Reviewed and re-wrote MFI Credit Management and Procedural Framework, coordinating input from all Staff and ensuring compliance to the Code of Conduct for Business Lending to Small and Medium Enterprises and the European Code of Good Conduct for Microcredit Provision• Managed Staff recruitment process including pre-selection and interviewing of candidates - Loan Administrator and Arrears Manager positions Show less

• Ongoing management of European Investment Fund relationship ensuring compliance within the terms of EPMF guarantee• Prepare reports on business activity for submission to Government Departments and EIF• Prepare and present key strategy papers for submission to Credit Committee and MFI Board • Meet applicants, analyse their business abilities and financial status and prepare a written evaluation for submission to Credit Committee• Speak/ Present at events to enhance MFI… Show more • Ongoing management of European Investment Fund relationship ensuring compliance within the terms of EPMF guarantee• Prepare reports on business activity for submission to Government Departments and EIF• Prepare and present key strategy papers for submission to Credit Committee and MFI Board • Meet applicants, analyse their business abilities and financial status and prepare a written evaluation for submission to Credit Committee• Speak/ Present at events to enhance MFI awareness• Assess project viability and repayment capacity in compliance with credit policy and procedures. Operating with a solution focused approach and advising unsuccessful applicants of other supports and options• Engagement with nationwide enterprise centres, University Innovation Centres and key financial institutions managing relationships with conflicting priorities• Advise, support and mentor individual businesses through the life cycle of their agreementsAchievements• Presented to representatives of the European Commission under EIF Guarantee due diligence• Developed Strategy Papers specifically aimed at Youth and Bank based initiatives for driving business opportunities• Organised and delivered a business training programme to all loan partners• Represented MFI at Government Department meetings• Researched international best practice for Microfinance loan funds • Coached and mentored junior staff Show less

Dublin

Assist in the assessment of course work submissions by students on a part-time basis. Specifically advising on preparation of business plans.

• Analyse and interpret credit propositions formulating recommendations with a customer centric approach while applying Credit Policy• Present training on a formal and informal basis to improve credit skills within the team• Meet and negotiate with high risk clients on behalf of the Bank• Compile and correlate relevant information and documentation in the credit process to compliance standards• Monitor and review credit portfolio referring risk position to appropriate discretion… Show more • Analyse and interpret credit propositions formulating recommendations with a customer centric approach while applying Credit Policy• Present training on a formal and informal basis to improve credit skills within the team• Meet and negotiate with high risk clients on behalf of the Bank• Compile and correlate relevant information and documentation in the credit process to compliance standards• Monitor and review credit portfolio referring risk position to appropriate discretion levels• Extract, analyse and interpret financial & other information from various sources and compile reports on business activity and performance for Head Office reporting Show less

• Developed relationships with key University personnel attending events when necessary• Assisted in the management of University Innovation Centre companies• Management of client portfolio (c300 personal/business clients)• Co-ordinated monthly meeting with regional credit management team. • Initiated local product drives to enhance performance in key product areas

• Manage anti money laundering requirements • Process customer credit applications

Bachelor Of Science (Bsc), Chemistry

Qualified Financial Advisor

Education record