Experience

Shawbrook Bank

• United Kingdom
• Banking
• 700 & Above Employee

• Credit Risk Assurance & Risk Analytics Manager

  • Jan 2015 - Present

  Primary responsibility for developing and implementing Asset Finance’s credit quality control and credit quality assurance program.Ensure that Asset Finance’s credit risk management and governance documents are current, fit for purpose and aligned with the Credit Risk Appetite Statements.Undertake deep dives, thematic reviews, and projects as required.Help to work with the business functions to implement quality control into the front line lending business units. Implement processes to sample and quality check delegated lending authorities to ensure adherence to credit policy and acceptance quality standards.Monitor delegated lending authorities, underwriting criteria, policy rules and exceptions and review compliance with Group Credit Risk PoliciesMonitor and report as necessary limits on concentration risks e.g. large exposures, credit appetite limits, such as arrears, provisions and bad debts, credit policy exceptions within Asset FinanceMonitor limits on other credit risks within the Bank, including residual values, collateral and introducer risks. Liaise as necessary with the business unit to ensure credit line reviews are submitted when requiredReport on the credit risk activities of the 1st line business unit and the activities of the 1st line credit risk function as required to Group RiskEnsure the prompt production of a monthly risk report for submission to the Asset Finance Management CommitteeRepresent and assist Credit Risk as necessary with Internal & External Audit, Compliance matters, including suspicious activity reporting and CIFAS, Credit Reference Agencies, PRA/FCA regulatory issuesProvide assistance and cover for Credit colleagues as necessary including underwriting, within delegated authority, across all of the Asset Finance business units. £600k lending mandate for all asset backed lending. Lending mandate of £600k for all asset backed lending. Show less

• Credit Manager

  • Jan 2011 - Jan 2015

  NHS transaction mandate of £250k and Private transaction mandate £150k.Preparation of credit papers for approval by both the local and head office credit committees.Preparation of annual reviews for the business’ top exposures and residual values.The design of a new credit rating system for NHS Trusts and operating lease tenders and transactions.The implementation and development of policies, procedures and systems for the launch into the medical professions broker market. Show less



Singers Healthcare Finance Limited

• Business Analyst

  • Feb 2009 - Jan 2011

  Systems upgrade project Scoping the business’ systems requirements, rationalizing existing systems, identifying areas were efficiency savings could be made, and suggesting possible improvements to business flows. Communicating the scope to the software providers. Putting together a business case to the internal board for approval. On approval negotiating costs, workforce requirements, and project delivery milestones both with the software provider and internal clients. Working with the software provider and internal clients on the functional implementation design and its approval. Writing test scripts, test plans, and managing the testing process. Implementing the system on time and on budget with minimal financial adjustments needed as result of reconciliations. Improving management reporting through the design and publication of Hyperion Intelligence reports. Assisting in the provision of key financial and performance reports both historic and projected used to secure funding. Reconciliation of monthly securitization movements. Show less



ING Lease UK Limited

• Financial Services
• 1 - 100 Employee

• Asset Manager

  • Sep 2007 - Feb 2008

  Reporting responsibility for all own book RV’s using Business Objects. Negotiation of extensions of contracts, minimum profit increase of 25% exceeded on all contracts managed. The sale of assets at the end of contract on the Middle ticket portfolio. Over £250,000 profit in 6 months on total RV’s of circa £1,000,000 Reporting responsibility for all own book RV’s using Business Objects. Negotiation of extensions of contracts, minimum profit increase of 25% exceeded on all contracts managed. The sale of assets at the end of contract on the Middle ticket portfolio. Over £250,000 profit in 6 months on total RV’s of circa £1,000,000



Hitachi Capital (UK) PLC

• United Kingdom
• Financial Services
• 200 - 300 Employee

• Asset Manager

  • Nov 2003 - Sep 2007

  Valuing all equipment over 25k taken on to finance including Agricultural, Construction, IT, Machine Tools, Material Handling, and Print equipment. Predicting asset security through the development of depreciation profiles using Macro Excel workbooks Providing the Underwriting Department asset security information on existing contracts. Assisting the Recoveries Department with the collection and disposal of equipment subject to agreements with companies entering liquidation or administration. Negotiating end of term options with local authority and leasing customers upon expiry of agreements. Setting provisions on potential losses resulting from end of term sales. Setting residual value investments on all operating lease agreements proposed. Providing management reports on all aspects of equipment information on the book using Business Objects, Crystal Reporting, Excel, and Lansa Client. Updating both the PanCredit and Alfa databases with all details of extensions, disposals and new extension contracts. Team reduced from 3 people to one in the period 2003-2006. Achieved 280% of target for fee income, 58% of target for secondary period rental income, and 184% of target on profit on disposal for the year ending 31/03/06. Show less