Senior VP – UK SME Mid Corporate Sub Team Leader, Wholesale
Credit Barclays Corporate Bank
Total years of experience :20 years, 1 Months
• Risk oversight responsibilities across three mid corporate industries - Consumer, Healthcare and Hospitality & Leisure, reporting to Chief Risk Officer.
• Manage, develop, and lead a team across UK and India.
• Review, assess, deal structuring and approval - Personal lending discretion range £15m - £100m, PD dependent.
• Transact multiple funding structures - secured & unsecured debt, cash flow lending, sales finance, and trade finance.
• Review lending appetite and provide recommendation to Bank Committee.
• Collaboration with coverage leadership to implement debt growth opportunities.
• Deliver FLOD empowerment to achieve efficient Credit workflow management.
• Led multiple internal projects, examples include i) CBIL Lending Framework ii) Standardisation of Bank Covenants, iii) FLOD delegated authority automation, and iv) SME RWA Discount reporting infrastructure.
• Developed and introduced India Credit office with 15 FTEs, including two-month secondment, providing training and Bank appetite application methodology.
• Credit sanctioner covering UK large corporate clients within the consumer sub sector portfolio - Personal lending discretions range £1 5m - £1 00m, PD dependent.
• Lending structures include ABL finance, WC finance, acquisition finance, and MBO/MBI cash flow lending.
• Provide early appetite steer to FLOD.
• Assess, prepare, and recommend proposals to Credit Committees for larger hold exposures.
• Negotiate and restructure lending propositions balanced against Bank appetite.
• Support ad hoc sector deep dives and prepare reports for Senior Risk Executives.
• Sector Head for UK SME Corporate Consumer Sector portfolio.
• Principal point of contact for sector Credit risk specialism.
• Annual lending appetite review and recommendation for Bank Committee approval.
• Credit lead for Trade Finance solutions.
• Review and assess secured and unsecured corporate lending propositions with a personal lending discretions range £5m - £50m, PD dependent.
• Exposure management from inception, documentation, and monitoring.
• Ad hoc client visits, including deal structuring and negotiations.
• Consumer sector deep dives and appeal request reviews.
• Credit sanctioner with a personal lending discretion range £5m
• £50m, PD dependent.
• Specialised in leverage finance transactions with or without Financial Sponsor involvement.
• Engage with FLOD Leverage Finance Directors to structure transactions balanced against Bank appetite.
• For higher hold transactions, I would be responsible to review, assess and present recommendation to Credit Committees.
• Credit risk assessment include counterparty financials, forecasts, modelling and due diligence reports (FDD, CDD and LDD).
• Assist and be involved with post sanction documentation (LMA) and post draw down monitoring.
• Retain ownership of transacted deals with ongoing monitoring of client performance.
• Monitor a leverage transaction portfolio containing large UK corporates and UK PLCs.
• Financial assessment and write credit papers with recommendations on corporate banking facilities, structured loan amendments and annual reviews.
• Monitoring post sanction draw down conditions.
• Monitor portfolio performance and to report deteriorating trends to appropriate risk office.
• Financial assessment and write credit papers on working capital and secured debt products.
• Follow through post sanction documentation and draw down of facilities.
• Monitor post draw down covenants and conditions.
• Liaise with group partners to grow other income opportunities.
• Support Relationship Directors within the Retail & Wholesale corporate team.
• Support and build relationships with clients, dealing with day-to day requirements and ongoing account services.
• Cross sell suitable products, generating additional income.
• Regular client visits to discuss ongoing Banking needs and to resolve any Bank related issues.