Lending Manager

Education/Qualification

• 2010 BSc Hons in Economics and Finance – University of London
• 2006 A Levels achieved in Maths, Geography and Economics / 10 GCSEs achieved at grade A – C – Bolton School Boys Division

Systems used

• Microsoft Word, Outlook, and Excel – Intermediate
• SQL – Intermediate
• Various In-House Systems

Career Summary

Current Employer – Finance Broker

Position – Lending Manager

Dates – September 2019 – Present

Synergy Commercial Finance are an experienced network of Finance Brokers supporting the funding needs of UK business.

• Managing a team of 10 and reports to the Office Manager
• Working closely with clients and lenders to structure a proposal that works
• Stakeholder Management
• Liaises daily with Solicitors, Valuers, and other Third Parties
• Assesses the risk of applications and decides if the deal should take place
• Strategically driving KPI’s to ensure standards are upheld
• Works across a very wide remit such as Buy to Lets / Bridging Loans / Commercial Term Loans
• Responsible for delivering on monthly 1 to 1’s
• Responsible for Accepting / Declining deals and always aims to restructure a deal rather than declining a proposal
• Works to find a common ground that satisfies both the bank and the end client
• Assists with the monitoring and reporting of fraudulent activity
• Works across a broad range of deals valuing form £40,000 up to £3.2m including a 1.8m deal for a mill in the NW of England.

Previous Employer – Retail Banking

Position – Underwriter

Dates – October 2016 – September 2019

Atom Bank is a retail bank in the United Kingdom. It is the United Kingdom’s first bank built for smartphone or tablet. They provide Savings Accounts, Mortgages, and Business Loans.

• Worked in a team of 12 and reported to the Chief Risk Officer
• Fully accustomed to handling and underwriting both commercial investment and commercial trading businesses
• Primarily handled Commercial Bridging Loans and Commercial Term Loans
• Responded to applications that were received via direct and broker channels
• Upon receipt of application, analysed proposals, and structure them to benefit both the bank and the end client
• Ensured that more detailed and more complex reports are completed depending on the complexities and value of the proposal
• The largest deal that had been underwritten is £1.8m and average deal size that had been considered was £450,000
• Always aimed to restructure a deal rather than declining a proposal
• After having successfully obtaining an underwriting mandate, was quickly able to obtain an increased mandate because of quality checking by peer groups and line managers
• Ensuring a rapid response to a variety of internal and external colleagues, understanding the need for both timely and accurate decisions
• Actively built rapport with a variety of internal and external parties
• Worked across their broker network, understanding the need to build a strong rapport with brokers and avoid them feeling that we as underwriters are “blockers” to business
• Kept abreast of micro and macro-economic issues that may have a current or future impact upon the business analysing
• Shared best practice with the wider team and department to support them
• Developed and provided guidance material to brokers to help ensure their understanding of the company requirements regarding new applications
• Helped the BDM in the NW to increase his “footprint” in this location via introductions to their professional network

Previous Employer – Financial Institution

Position – Senior Underwriter

Dates – January 2016 – August 2016 (Temporary)

Haydock Finance is an award-winning supportive business finance specialist. They provide Chattel Mortgages and Recovery Loan Schemes to companies in the Construction and Manufacturing Industries.

• Worked in a team of 4 and reported to the Head of Lending
• Primarily handled Asset Finance Deals
• Analysed proposals in terms of both risk and reward, and producing more detailed and complex reports for riskier businesses or entities with larger exposure levels
• Operated within own delegated underwriting mandate and gaining sign off from senior colleagues when required
• Ensured a rapid response to a variety of internal and external colleagues to ensure deliver the highest levels of customer service
• Worked closely with clients to quickly build a good rapport and business relationship
• Produced detailed credit papers to support underwriting decisions and presenting reports to the board, fielding any questions, and discussing underwriting stances
• Kept abreast of current micro and macro-economic issues that may have a current or future impact upon the business analysing

Previous Employer – Insurance Company

Position – Credit Analyst

Dates – June 2014 – December 2015

• Analysed the accounts of Major Corporates in the North of England and Scotland in terms of Credit risk
• Approached for MI when appropriate and ensuring all reviews are conducted in an efficient and timely manner
• Credit analysis: utilizing a series of internal tools and external sources to assess credit risk
• Seconding to various teams throughout the business such as, Bonding, Underwriting and Commercial
• Trained and developed less experienced team members
• Worked closely with clients; managing expectations, providing excellent levels of customer service and cross selling of products where see a benefit.
• Client base was comprised of businesses turning over greater than £20 million, for clients with the higher levels of exposure, would write longer and more complex reports, usually around 8-12 pages. These reports were presented individually and discussed at board level. This was presented majority of the time in person or via telephone

Previous Employer – Bank

Position – Various Roles

Dates – May 2011 – June 2014

Progressing through a series of roles within this leading financial institution as a result of strong performance, knowledge and attitude; originally employed within retail banking and latterly in Corporate Asset Finance.

• Started off as a Customer Service Advisor and subsequently being asked to step up as Team Leader due to long term absence, managed and coached a team of 10
• Subsequently was promoted to Corporate Assistant Relationship Manager within Lombard, within this role I took the role as a Relationship Manager whilst the Relationship Manager was off work due to illness
• Managed relationships with corporate customers (companies generating turnover of £25M-£100M). Going above and beyond job role to ensure client satisfaction
• Assisted customers in financing assets ranging from vehicles through to commercial premises
• Managed the full-cycle of asset finance solution provision from initial engagement through to ascertaining needs and presenting options to deal closure.
• Credit analysis: utilizing a series of internal tools and external sources to assess credit risk
• Submitted internal credit reports as part of the decision-making processes and liaised with the client regarding outcome
• Selected to be a ‘Lean Champion’ tasked with identifying opportunities for improvement within the division, observing practices and performance before submitting ideas for change through appropriate channels

Previous Employer – Estate Agents

Position – Accounts Executive

Dates – November 2010 – March 2011

Previous Employer – Attraction

Position – Internship

Dates – August 2010 – September 2010

Previous Employer – Legal and Operational Services

Position – Internship

Dates – July 2010 – August 2010