- Financial Analysis on a portfolio of companies (c15) within the Aviation and Travel Industry. Typically with an annual licensable turnover greater than £20million. A range of ownership structures: Listed, Private Equity and Family owned. - Complex working capital analysis and sensitivities. - Responsibility for ATOL licence renewals and regulatory overview- Relationship Management with CEO's, CFO's, Advisors, Lawyers, -Corporate Finance transaction management; acquisitions, bank financing arrangements and restructuring.-Presentation of proposals to credit committee-Understanding of Travel Trust Accounts (Escrow and ATOL).-Networking and development of travel industry network

Working with Corporate clients typically with a turnover of over £10million.Managing a portfolio of clients within the Hospitality and Leisure sector, (Travel, Tourism, Restaurants, Pubs, Franchises and Leisure operators) and Retail & Wholesale sector focusing on London based companies. Typically businesses which are family or private equity owned. -Develop funding solutions to assist Companies with acquisition, expansion and working capital needs. (Minimum lending quantum £1million).-Coronavirus Lending schemes: BBLS, CBILS, CLBILS. -Credit Stewardship managing customers navigate Covid Lockdowns and cost of living crisis-Customer engagement as well as internal engagement with areas such as Credit Risk, Structured Finance, Restructuring, Compliance, Legal and Onboarding-Particular specialism in onboarding/operating Travel Trust Accounts (Escrow and ATOL). -Monitoring and control of customer financial information and covenant compliance-Developing relationships with Customers, Prospects and Professional network to grow portfolio.-Line management responsibilities and early in careers mentor. Achievements included:- Grown portfolio considerably to annual income of £8milion.- 11 New to Bank customers in 2 years. - Key bank contact for the Travel Sector. Heading up the Santander Travel Trust proposition.

Working with Corporate clients typically with turnover of over £25m within the Hospitality and Leisure sector, (Travel, Restaurants, Pubs and Leisure operators) focussing on London based companies. Typically businesses which are listed, Private Equity and Privately owned. -Develop funding solutions to assist Companies with acquisition, expansion and working capital needs. -Customer engagement as well as internal engagement with areas such as Credit Risk, Compliance, Legal and Onboarding-Monitoring and control of customer financial information and covenant compliance-Developing relationships with Customers, Prospects and Professional network to grow portfolio-Participant in the bank’s Step talent programme.

4th Rotation - Structured Finance Analyst - Financial Sponsors.Mid- Market, sponsored backed leverage transactions. Role comprised of completing complex financial modelling and presentation of proposals to credit risk.

2nd Rotation (Mar 15 - Sept 15) - Working alongside the Divisional Managing Director, Midlands and Wales in the SME space.3rd Rotation (Sept 15 - Apr 16) - Credit Analyst for Non Standardised credit applications. Completion of new money proposals, annual reviews and monitoring of management information.

1st Rotation - Relationship Manager