Credit Manager

• May 2022 - Present

Lead Commercial Credit Underwriter

• Sep 2021 - Mar 2022

Business Performance Manager

• Jun 2020 - Sep 2021

Gather and analyze data from various departments for consolidation as MI to present the department’s performance trends. Take part in various working groups to correct any identified operational risks.

Credit Approval Officer

• Jan 2019 - Jun 2020

Read and assess new and renewal credit proposals to ratify that information provided and offer a full analysis and breakdown of the customer information and highlight all potential risks. • Work with relationship managers on any unclear or missing information which would need to be added to generate a fully detailed assessment of the credit proposal. Give full explanation verbally and in writing of any declined proposals. • Reconcile proposal remarks with actual account information to… Show more Read and assess new and renewal credit proposals to ratify that information provided and offer a full analysis and breakdown of the customer information and highlight all potential risks. • Work with relationship managers on any unclear or missing information which would need to be added to generate a fully detailed assessment of the credit proposal. Give full explanation verbally and in writing of any declined proposals. • Reconcile proposal remarks with actual account information to confirm all information provided is correct and the documentation on file is verified. • Review the technical information inputted into the credit system to ensure accuracy and compliance. • Monitoring various reports for all business lines relating to unauthorized overdrafts, treasury excesses, approval exceptions and expired overdraft facilities. Rectify or escalate all matters that fall outside of policy. • Point of contact for the Credit Approval System to perform testing and offer troubleshooting for all users. • Work with offshore teams to ensure the facilitation of complex credit deals and to correct flaws or errors found during review process.

Risk Manager

• Apr 2018 - Jan 2019

Daily monitoring of client accounts to raise awareness of any excesses. Communicate with RM’s to have the accesses cleared and where necessary get the required approvals. Review credit proposals and forward to Approval Officers with the appropriate lending limits. Led the business contingency plan writing for the Risk Department. Other general duties required by the Credit Risk Team

Credit Analyst

• Nov 2013 - Mar 2018

Work closely with the offshore teams to ensure system updates are completed in a timely matter and to ensure all client data is accurate and reliable. • Importing, and modelling financial information into risk models and create financial analysis • Provide timely analysis of risk ratings for potential new credit deals. •Conduct research of customers seeking credit facilities which included company, industry and market research along with SWOT analysis and Porter’s Five Forces. •… Show more Work closely with the offshore teams to ensure system updates are completed in a timely matter and to ensure all client data is accurate and reliable. • Importing, and modelling financial information into risk models and create financial analysis • Provide timely analysis of risk ratings for potential new credit deals. •Conduct research of customers seeking credit facilities which included company, industry and market research along with SWOT analysis and Porter’s Five Forces. • Work closely with relationship managers to effectively communicate analysis of their clients and to create full picture of all the identified risks and their associated mitigates. • Assisted with the creation of the Credit Manual to offer new employees and cross training for other staff an easy to follow document for all things credit related.

Graduate Development Trainee

• Nov 2011 - Nov 2013

Participated in numerous projects throughout the various departments in the bank, including Finance, Global Markets & Treasury and Commercial Banking. • Supported Commercial Banking RM’s, managed the client inquiry e-mail inbox and interacted with commercial clients to resolve issues and request required information. • Completed 4 week leadership program conducted in the UK with over 80 peers spread across a number of countries.

Accounts Assistant

• Jan 2005 - Jul 2007

Generated and distributed all customer invoices. Reconciled payments with invoices and researched outstanding balances. Paid all bills in a timely manner. Assisted in general admistrative and office duties. Generated and distributed all customer invoices. Reconciled payments with invoices and researched outstanding balances. Paid all bills in a timely manner. Assisted in general admistrative and office duties.