Experience

Pathway Commercial Finance Ltd

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Commercial Finance Specialist

  • Oct 2020 - Present



Bibby Financial Services

• United Kingdom
• Financial Services
• 500 - 600 Employee

• Relationship Manager

  • Aug 2016 - Dec 2018



RBS Invoice Finance

• United Kingdom
• Financial Services
• 300 - 400 Employee

• Business Relationship Manager

  • Jan 2015 - Aug 2016

  • Managing a portfolio of ±60 small to medium sized business clients with total borrowing commitment of ±£5m, assisting businesses to manage cash flow and ensure sufficient working capital by creating and implementing a proactive client contact strategy enabling full understanding of clients’ business to deliver strong solutions and the best possible service• Maintaining a vested interest in clients’ business success, assisting with planned growth to realise their ambitions and subsequently achieving positive impacts on customer satisfaction scores, regional growth, market share and profitability • Principal operational point of contact for RBSIF Service Teams & Bank, coordinating and leading bank/client meetings• Working collaboratively and networking with bank partners to maximise client service and satisfaction and minimise attrition• Ensuring compliance with Group policies, including Group Conduct Risk policies and regulatory expectations• Proactively monitoring risk via monitoring tools and financial analysis, with a strong credit stewardship ethos• Collaborating with Risk and Client Service teams to ensure robust risk management and credit stewardship by maintaining client records and reports for audit purposes, taking appropriate action to adjust bank exposure as client risk dictates and preparing routine Credit submissions and reports to Credit departments• Coordinating with internal stakeholders to facilitate successful acquisition and on-boarding of new client relationships• Fostering an environment of teamwork and sharing of best practices, constructively challenging ineffective processes and suggesting improvements, focusing all decision making around delivering and exceeding client expectations

• Corporate Assistant Relationship Manager

  • Jan 2014 - Dec 2014

  • Assisted 3 Corporate Relationship Directors with a portfolio of ±27 large corporate entities with total borrowing commitment of £50m+, successfully managing on-going working capital requirements through invoice finance and ABL banking products• Delivered the highest level of client service, resolving daily client queries as principal operational point of contact • Participated in portfolio risk management through: regular collateral monitoring; financial analysis of management and statutory information; population of financial models; report preparation for Corporate Credit and Portfolio Risk Management; maintenance of client records and reports for audit purposes; adjustment of RBSIF exposure as client risk dictates and preparation of routine Credit submissions and reports to Corporate Credit.• Liaised with external solicitors to manage production of legal documentation in conjunction with RBS Documentation team for all clients and ensured compliance with Group policies, including Group Conduct Risk policies and regulatory expectations• Participated in testing/certifying of control effectiveness via Business Self Assurance (BSA) and Are You in Control (AYiC) tools• Actioned client payments within delegated authority levels and investigated other payment requests and exceptions on behalf of Relationship Manager to ensure completion of all valid client payment requests• Attended and contributed to client meetings as agreed with Relationship Manager including unaccompanied Operational Service Reviews and client training on RBS online FacFlow system• Identified and grew total income earning opportunities to maximise income from the portfolio, working with internal stakeholders to on-board new clients, following portfolio management guidelines, offering recommendations for improvement as perceived

• Commercial Assistant Relationship Manager

  • Jan 2013 - Dec 2013

  • Assisted 2 Commercial Relationship Managers to manage portfolios of ±60 medium sized business clients each with turnovers of up to £25m with borrowing commitment across the portfolio in excess of £15m each • Successfully managed on-going working capital requirements through invoice finance banking products. • Main point of contact, resolving day-to-day client queries, providing suitable and practical solutions, delivering a high level of client satisfaction and maintaining and developing strong relationships with key client personnel, other RBSIF partners and departments• Assisted with risk monitoring, utilising management tools to highlight potential areas of concern within portfolios with client review and acquisition process and in highlighting income opportunities, ensuring appropriate processing of charges• Utilised, maintained and updated all management tools including Grasp/CRM, Rapid, Fastfact and Experian• Actioned daily client payments within delegated authority levels and assisted with general department administration as required• Supported and implemented RBSIF strategy and Regional Business Plan, promoting and demonstrating RBSIF values• Mentored colleagues and trained new ARM’s, travelled to client premises to demonstrate RBS online FacFlow systems • Managed legal documentation in conjunction with RBS documentation team for all clients