Experienced and Qualified banking and finance professional with over four decades of unbroken service across Lloyds Banking Group across the country, including Exeter, The City of London, Peterborough and Birmingham. The last 20 years have been in technical credit underwriting roles, proudly focused on the SME Commercial market, and in particular Real Estate.Excelling in getting results through a blend of doing the right thing alongside a relentless passion for quality. I am a keen advocate of improving and simplifying processes, enabling me to create and deliver innovative funding solutions. A team player, naturally, but still an individual, where sense of humour and a sense of realism comes neatly packaged within a sense of perspective. I am able to communicate across levels and influence correct behaviours to get the right thing done well; I generate Care Scores to be proud of.Specialities: Well versed in financial, legal and regulatory aspects of the Commercial / SME market focusing on Risk Management and Credit Underwriting. Specialising in the Real Estate sector, both Residential and Commercial, providing investment and development funding solutions through analysing, structuring / restructuring, and underwriting.