Experience

Tusker

• United Kingdom
• Business Consulting and Services
• 100 - 200 Employee

• Head of Credit Management

  • Jun 2022 - Present



Alphabet GB

• United Kingdom
• Financial Services
• 200 - 300 Employee

• Head of Credit Management

  • Dec 2012 - Jun 2022

  A FCA Certified Individual role responsible for the manual credit decisioning with client types including Large Corporates, SME's & Private Individuals. Approve credit limit requests up to £10m and then make recommendations to the local credit committee. Optimising processes regarding efficiency, early warning and risk transparency covering all aspects of non-automated risk relevant business credit decisions. Ensuring regulatory lending requirements are met including anti-money laundering and fraud checks. Departmental KPI reporting on SLA performance and quantitative/qualitative factors. Acting as the centre of competence to the executive board regarding all aspects of credit risk and exposure strategy in lending business. Department responsibility – two Credit Managers and sixteen Credit Analysts Show less



BMW Financial Services (GB) Ltd

• United Kingdom
• Financial Services
• 200 - 300 Employee

• Senior Credit Analyst

  • Aug 2009 - Dec 2012

  Senior analyst responsible for preparing/approving/recommending credit reviews for Fleet customers (Alphabet) and wholesale funding lines for BMW Retailers. Attended customer meetings for higher risk customers and larger new prospective customers. Intensive care handling of large administration cases. Presented larger cases to the Regional Credit Committee. Senior analyst responsible for preparing/approving/recommending credit reviews for Fleet customers (Alphabet) and wholesale funding lines for BMW Retailers. Attended customer meetings for higher risk customers and larger new prospective customers. Intensive care handling of large administration cases. Presented larger cases to the Regional Credit Committee.



Barclays UK

• United Kingdom
• Banking
• 700 & Above Employee

• Relationship Manager

  • Dec 2005 - Dec 2008

  Responsibility for a generalist portfolio of 90 Commercial Clients in the £1m-£25m turnover range. Portfolio consisted of a broad range of industries including; Transport, Logistics, Freight companies, Recruitment Consultancies, Healthcare, Hotels, Manufacturing & Wholesalers. Responsibilities included negotiating borrowing facilities for new/existing clients and identifying client’s needs and providing appropriate banking solutions. Targeted to increase portfolio income organically through cross sales of group products and services. Show less

• Relationship Development Manager

  • Mar 2002 - Dec 2005

  Supporting Relationship Manager in sourcing and driving new business activity across the region. Allocated target patch was Newbury, Hungerford & Thatcham. Worked as part of a team to achieve income targets solely through the acquisition of new business from competitors. Awarded Relationship Development Manager of the year for Southern Region in 2005, achieving over 200% of income target.

• Corporate Managers Assistant

  • Dec 1996 - Mar 2002

  Responsible for providing high quality service and support to the Corporate Manager, based on a good working relationship and demonstrating a thorough understanding of our client’s business needs.

• Various Branch Positions

  • Jun 1988 - Dec 1996

  A variety of clerical positions at Tadley branch after joining as a new entrant - roles included branch junior, machine room operator, cashier, machine room supervisor, international cashier & securities officer. Before moving to Caversham branch to become a personal lending officer and then on to Reading branch to become a business banker.