Responsible for credit risk appetite, monitoring of lending portfolios and maintenance of all credit related policies.

- Responsible for managing the credit risk of Metro Bank’s Commercial Lending Portfolio totalling nearly £3 billion with expertise in a wide variety of industries from hospitality to healthcare and real estate. - Leverage my deep experience in risk analysis, strategic planning, and industry knowledge to ensure long term sustainable growth for the institution. - Responsible for guiding the lending principles and decisions of executive leadership by leading the team who monitors, analyses and reports on credit performance, trends and concentrations- Developed and obtained Metro Bank Board of Director approval for the Commercial Risk Appetite- Leverage my considerable experience to provide expert analysis of trends, issues and opportunities across the portfolio to steer executive leadership’s direction on lending strategy- Conduct credit risk quality assurance reviews and market sector reports to help shape and steer the portfolio- Refine lending policies and procedures for the Commercial Lending Portfolio to ensure they are strategic and appropriately aligned with opportunities and risk identified through my team’s analysis

- Responsible for analysing and proactively managing entirety of the commercial loan portfolio- Key stakeholder management across the executive level, Credit Committee, and board, including advising and reporting on portfolio performance, credit trends and emerging risks- Design, build, and manage the expected loss model to accurately estimate future losses - Enhance the PD & LGD models by utilising RateSetter’s historical data, expected trends and my extensive credit expertise- Conduct post-loan reviews to identify opportunities to improve the credit underwriting process- Apply deep analysis and verify reporting from external partners in relation to wholesale schemes- Monitor and report on portfolio concentration to ensure a diverse and balanced portfolio

- Responsible for influencing the commercial credit portfolio through capable risk assessment and proactive management of expired credits - Proactively managed and monitored the risk of over 600 borrowers through strong risk management- Adjudicated new money requests up to $1,000,000, whilst managing a portfolio of annual reviews for commercial banking clients - Developed expertise in lending to commercial customers in manufacturing, wholesaling, retailing, business services and restaurants- Utilised advanced capabilities in Asset Based Commercial Lending, Leasing, Commercial Real Estate Financing, Working Capital Financing and Cash-flow lending to ensure a strong portfolio profile - Key member of team involved in enhancing the small business Borrower Risk Rating score card

- Responsible for recommending commercial credit loans in excess of $1,000,000 - Analysed financial statements of commercial clients from diverse sectors to recommend the borrower’s risk rating and ensure that the credit structure adequately mitigates the respective credit risk

- Provided advice, banking and credit solutions to commercial banking clients and prospects in the health care industry - Developed a strong understanding of clients by reviewing and analysing financials statements and conducting comprehensive client discoveries- Analysed, negotiated and recommended high-quality loan proposals while exercising sound judgment on credit- Managed over $1.7 Million in revenues, $70 Million in loans while achieving top decile book growth