Experience

Allied Irish Bank (GB)

• United Kingdom
• Financial Services
• 100 - 200 Employee

• Senior Credit Manager

  • Mar 2019 - Present

  Responsible for Credit Underwriting across a range of sectors and a member of the AIB UK Credit Committee. Responsible for Credit Underwriting across a range of sectors and a member of the AIB UK Credit Committee.



RBS

• United Kingdom
• Banking
• 700 & Above Employee

• Audit Manager Credit Risk

  • Mar 2017 - Aug 2018

  A Credit Specialist in the RBS Audit Department who had the experience to support the team in a number of Credit Related fields including Risk Appetite, interpretation of Early Warning Indicators, adherence to Credit Policy.Lead and undertake key aspects of audit engagement fieldwork, taking responsibility for the work undertaken being delivered on time, being fit for purpose and providing reliable evidence to support findings and opinions. Produce effective engagement reports which clearly and concisely articulate risks and issues. To monitor outstanding issues and ensure they are appropriately resolved / escalated within a reasonable timeframe.Ensure compliance with RBS Internal Audit Methodology on audit engagements and accurately keep the audit management tool up to date.Be an ambassador for Internal Audit, demonstrating professional behaviours and helping to build on the reputation and integrity of the function. Show less

• Vice President, Credit Policy, Risk Appetite & Policy

  • Aug 2014 - Mar 2017

  Responsible for the design and delivery of the Credit Authority Framework policy and Credit Risk Mitigation policy which made up part of a new policy governance framework for managing wholesale credit policies applicable for the Investment, Corporate and Transaction Banking arms of a restructured RBS.Providing training on the new credit policies to RBS Wholesale Credit.Managed the decommissioning and integration of the RBS Restructuring Divisions Credit Policy Framework into the Wholesale Credit Policy Framework.Providing expert input on behalf of Credit Policy on an assurance program of the key credit policy controls both within Credit Risk as well as in other functions including Front Office.Managing the Wholesale Credit Policy Exceptions Process. Show less

• Vice President, Credit Policy

  • Aug 2012 - Aug 2014

  Responsible for the delivery of Credit Risk policy within MIBAssessment of prospective new products/variations to existing products, from a Credit perspectiveReference point for credit policy queries/issues of interpretation for business and Credit colleaguesResponsible for completing the annual Credit Environment Certification on behalf of Divisional Risk Executive for their review and onward submission to Group Risk.

• Senior Credit Manager

  • Jun 2007 - Aug 2012

  Providing through life risk management on counterparties and structured transactions in a portfolio comprising of £4.5 Billion of assets across 100 counterparties with exposure across varying sectors including Media (Film Finance), Corporate Aviation, Offshore, Rail, and Yellow Goods.Providing Credit Underwriting approval on new transitions and reviews under my Delegated Authority (up to £190m dependant on Counterparty strength) or where appropriate making recommendations to Approval Forum, Members of the Credit Executive.Portfolio stewardship including; monitoring of the credit review diary, the monitoring of concentration risk, and the escalation of files to the underperforming process as appropriate.Providing credit input on Asset Disposal papers.Participation in stress testing, impairment forecasting and other ad hoc risk projects. Show less

• Sanctioning Manager

  • Sep 2005 - Jun 2007

  Undertaking through life risk analysis (from the sighting process to term) on counterparties and transactions.Providing Credit Underwriting approval for transactions that fell within my Delegated Authority. A member of the internal RBSIF Southern Region Sanctioning Committee.Responsible for the Credit Stewardship in the KYC process of taking on new business.Providing training and advice on deal structuring whilst undertaking a “roving Sanctioner role” visiting the members of the frontline staff in their offices throughout the southern region. Show less



RBS

• United Kingdom
• Banking
• 700 & Above Employee

• Risk Manager

  • 2001 - 2005

  The assessment of lending propositions and credit reviews, using my own Credit Underwriting Authority or making recommendations to senior Credit Underwriters. Proactively working with Relationship Managers in order to structure transactions ensuring that the Bank’s best offer was made first time. Coaching; I ran my team’s attachment program. The assessment of lending propositions and credit reviews, using my own Credit Underwriting Authority or making recommendations to senior Credit Underwriters. Proactively working with Relationship Managers in order to structure transactions ensuring that the Bank’s best offer was made first time. Coaching; I ran my team’s attachment program.