Experience

RBS

• Russian Federation
• Information Services
• 300 - 400 Employee

• Senior Relationship Manager

  • Jun 2011 - Present

  Tayside Management of a portfolio of a maximum of 40 customer connections, specifically businesses displaying signs of financial distress or an inability to service financial obligations within prevailing Bank lending policies. Working collaboratively with the customer and their professional advisers to establish a strategy to fulfill the requirements of all stakeholders whether it be returning to a position of financial strength and securing future viability or an agreement to achieve a… Show more Management of a portfolio of a maximum of 40 customer connections, specifically businesses displaying signs of financial distress or an inability to service financial obligations within prevailing Bank lending policies. Working collaboratively with the customer and their professional advisers to establish a strategy to fulfill the requirements of all stakeholders whether it be returning to a position of financial strength and securing future viability or an agreement to achieve a managed exit. Key skills; Industry, Financial and Management analysis utilising PESTE, Porter, SWOT, BCM. Risk mitigation through introduction of appropriate financial products. Credit reporting through RBS internal framework, proposing debt structures, preparing and presenting papers at regional and national risk forums. Transaction fulfillment including legal and documentation requirements and continual stewardship maintaining accurate records and audit trail. Capital management and pricing of facilties to ensure RBS financial objectives achieved. Ability to negotiate and communicate clearly and effectively. Dealing with vulnerable customers and acting with integrity. Adherence with Regulatory requirements Continuous professional development with successful completion of Chartered Banker examinations.

• Manager Commercial Development

  • Jun 2008 - Jun 2011

  Tayside Management of a portfolio of 15 "stressed" customers involved specifically in commercial property development and management with maximum debt quantum up to £20 million. Problem identification and management. Specific analysis across sectors with emerging issues identifying adverse trends in customer financial performance acting on this information to ensure early intervention to mitigate risk and financial loss.

• Manager Commercial Development

  • Feb 2004 - Jun 2008

  Tayside Working with 2 Property Directors preparing credit submissions for new facilities specifically for commercial property and investment. Management through the cycle from development phase to retention or sale and repayment of bank borrowing. All legal and monitoring requirements including liaising with external surveyors and legal agents also conducting site visits.

• Assistant Commercial Manager

  • May 2000 - Feb 2004

  Perth, United Kingdom Promoted from Retail Banking into Commercial sector. Support to relationship manager producing legal and documentation and management of a portfolio of 50 customers.



RBS

• United Kingdom
• Banking
• 700 & Above Employee

• Assistant Branch Manager

  • Mar 1995 - Feb 2000

  Aberdeen, United Kingdom Management of 15 staff with responsibilities for delivery of personal borrowing, account management including general ledger, foreign transactions and legal documentation.