Experience

• 

  Metro Bank (UK)

  • Orpington

  • Commercial Analyst - MetroBank South East Region. Based in Orpington

    • Nov 2017 - Present
    • Orpington

    Report writing and credit analysis of annual lending renewals and increases, on a daily basisDuties include; daily excess management, preparation & instruction of new commercial lending & Buy to Let mortgages.Monitoring and credit analysis of annual accounts, monthly management information, covenant testing to check affordability and to manage risk. Daily communication via letter, email, phone and face to face with customers, legal professionals, product partners within RBS and internal staff regarding credit control and lending matters.

• 

  RBS

  • London South, Kent, Surrey and West Sussex

  • Portfolio Administration Manager - Personal, Business and Commercial Banking

    • Aug 2003 - Nov 2017
    • London South, Kent, Surrey and West Sussex

    Assist with the day to day management of a portfolio of Commercial and Personal customers from South London, Kent, Surrey and West Sussex, with a turnover of between £2m to £25 million. With extensive customer service, banking and finance experience including professional qualifications, I can share my knowledge and experience to add value to my customers businesses and overall experience..My job entails; Day to day responsibility for a range of clients from varying sectors within a portfolio of approx 200 personal and business customers, control of accounts including excess management. report writing for annual lending renewals and increases, preparation of loan and overdraft agreements, new facility sanctions to drawdowns, regular monitoring of statutory Annual Accounts and monthly management information, preparation of legal charged securities, general relationship management and customer concerns and sales. Daily communication via letter, email, phone and face to face with customers, legal professionals, product partners within RBS and internal staff.I spent 2 years working in our Structured Relationship Management department at Croydon, which relied on strong customer communication and credit control skills. Strategy planning and bad debt enforcement. High level of attention to detail was required.Supported the Relationship Director with monitoring spreadsheets, organisational events, appointments, office holidays chart and collating data .Was a valued member of the team and was used as an in-house Trainer due to my previous qualification.

• 

  RBS

  • Bromley South London

  • Area Small Business Advisor

    • Jan 1998 - 2003
    • Bromley South London

    I professionally advised customers in respect of account opening, borrowing requirements, fraud prevention and general banking needs. This was in a variety of branches face to face.As a sales and service specialist I advised and matched customers needs with our products and services.With my organised approach, banking knowledge and friendly nature I became an Accredited Small Business Advisor 1998 and was awarded Business Advisor of the year in 2000

• 

  NatWest

  • London South - Peripatetic role

  • Regional Business Trainer - Accredited

    • Aug 1992 - Dec 1997
    • London South - Peripatetic role

    Implemented training programmes at various NatWest based locations. A Peripatetic role which demanded a lot of self motivation, organisation & communication skills. Training needs both one-to-one and group sessions (10 - 15 staff) delivered, courses designed and created as appropriate. • Accredited Bank Trainer 1994 Subjects included; Transmission / Charges, Relationship Selling, Complaint Handling, Interpersonal skills, Legal Charged Security.

• 

  NatWest

  • London and South East

  • Senior Customer Services Officer - Retail Branch Banking

    • Sep 1980 - 1992
    • London and South East

    Commenced with general banking duties including Customer File Maintenance (standing orders and account opening), Cashiering, Commercial Foreign transactions, Legal Charged Security, Lending, Interviewing , sales.Progressed to day to day control of customers accounts, scheduling and undertaking customer appointments, service charge reviews, mortgage seller, completion of loan and overdraft requests both personal & business, customer concerns , property purchases from sanction to drawdown, point of contact for customers and managing daily excess.Then I became a senior sales and customer service officer. Point of reference to all staff. Organised many open evenings and was the top sales performer for 2 years. During these years I worked at top flag-ship branches such as Streatham, Croydon, Tooting, Sidcup & Lewisham branches. Flag-ship branches due to their size, location and volume of business.