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Business Development, Relationship Management, Credit underwriting

Edinburgh, Edinburgh, United Kingdom
£32,500 +
October 19, 2016

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Barry Phillips

* *** **** ****



EH19 3FW

Tel: 013*-***-**** Mob: 077**-****** Email:

Personal statement

As a highly motivated career banker, I have over 28 years of service in the retail, corporate and commercial banking sectors within medium and large sized financial institutions. Experienced in Business Development, Credit Underwriting and Relationship Manager roles, I am looking to secure a new position due to redundancy, where I can bring immediate and strategic value and develop my current skillset further.

Key Skills

-Credit Underwriting - Debt Restructuring

-Financial Analysis - Portfolio Management

-Risk Management - Relationship Management

-Business Development - Change Management

-Commercial Lending - Staff development / motivation

-Audit - Compliance

Employment History

Relationship Manager Jul 12 to Dec 15

Dunfermline Building Society (in building society special administration)

Responsible for a portfolio of over 60 connections with a view of seeking full facility repayment or best return for the Society through refinance of debt, asset disposal or customer repayment.

Responsible for the implementation of an asset disposal programme off over 680 residential and commercial properties throughout Scotland leading to debt recovery of over £48m.

Negotiated with clients to seek amicable repayment / facility restructure programme, with control and sale of assets sought by legal means if deemed necessary. Resulted in a further £15m of debt recovery.

Maintained close contact with Insolvency Practitioners and other third party partners to ensure required legal, insolvency and sequestration actions are addressed timeously, and recovery actions were progressed.

Attended regular meetings with the Special Administrators of the Society to discuss / recommend / agree ongoing strategies for portfolio connections to ensure best return on facility repayment possible.

Responsible for the monitoring of received client complaints to ensure appropriate responses provided timeously in line with FSA and Banking Ombudsman guidelines

Senior Credit Underwriter Mar 09 to Jul 12

Dunfermline Building Society (in building society special administration)

Provided support to the Corporate, High Risk and Special Administrator teams in respect of assessment of recovery and connection management proposals and strategies.

Specific responsibility for the assessment of credit submissions, providing recommendations for amongst others facility restructuring and extensions, offers of facility repayment, security releases, Enterprise Zone deposit releases and consents to lease requests.

Proactively supervised Relationship Managers with focus on workload allocation, and quality / volume of output.

Ensured that the Society’s position was fully protected at all times in terms of security and insurance of assets as appropriate.

Monitored credit quality and performance of commercial loan portfolio, including the tracking and monitoring of arrears and covenant compliance, taking action and providing recommendations where appropriate,

Preparation and analysis of financial and management for the Special Administration.

Supported Senior Manager and Special Administration teams in implementing new and existing lending policies, procedures and processes.

Involvement and running of special projects as set by the Special Administrator Team.

Senior Credit Underwriter Nov 07 to Mar 09

Dunfermline Building Society

As per Credit Underwriter position following successful promotion application, as well as:

Direct reporting line for a team of 25 Senior Lending Managers and assistants for all matters relating lending applications submitted to Credit Underwriting for review.

Direct responsibility for the management of 3 experienced Credit Underwriters providing support, guidance and mentoring, along with the prioritising, planning, organising and delegating workloads for the team.

Overviewed lending proposal recommendations as completed by Credit Underwriters with ability to approve lending up to an increased delegated authority. Presentations to Senior Executive to seek approval of lending applications over delegated authority.

Active role in the preparation of specialist reports and papers for monthly Credit Risk Group meetings and attendance thereof with Board Directors’ and Senior Executives.

Completion of papers for FSA regulatory reporting purposes.

Credit Underwriter

Dunfermline Building Society, Dunfermline Oct 05 to Nov 07

Undertook detailed assessments of property related Commercial Investment, Residential Investment, Development, Social Housing, SIPP and SSAS Pension Lending, and Enterprise Zone lending applications ranging from £500k to £40m, with appropriate recommendations provided accordingly.

Specific responsibility for the approval of loans up to delegated authority of £3m.

Implemented new and reviewed existing lending policies, procedures and processes.

Ensured all conditions of approval were met prior to the releases of loan monies.

Monitored and developed effective management information to ensure portfolio quality.

Ensured the Society operated within the regulatory rules and limits as set out in the Society’s own lending policies.

Preparation of Credit Risk Group reports and gathering of financial information.

Overview of provisioning policy for Commercial Lending and Social Housing.

Business Manager

Allied Irish Banks plc, King Street, Manchester Dec 01 to Oct 05

Dedicated manager to existing customer base ranging from SME’s to FTSE 250 and FTSE 100 companies.

Management of complex secured and unsecured credit lines involving detailed credit analysis, financial modelling, and the completion and presentation of Credit Submissions to Credit Committee.

Regular contact and meetings with senior management team of both existing and perspective new customers.

Researched and implemented a programme of cold calling to leading businesses in the North West of England with a sales turnover of £25m to £100m. Contacted each prospect individually with a view to gaining new business. Resulted in new lending of £38m being written.

Early Career

Senior Business Manager’s Assistant Yorkshire Bank – Manchester Oct 99 to Dec 01

Corporate Banking Officer Nat West Bank – Manchester Feb 98 to Oct 99

Personal Lending Officer Nat West Bank – Stockport Oct 96 to Feb 98

Customer Services Office Nat West Bank – London Jul 87 to Oct 96


Dartford West Secondary School for Boys Sep 82 to Jun 87

Hobbies & Interests

Football, golf, cricket, horse racing, cinema

Fundraising for Juvenile Diabetes Research Foundation


References are available upon request.

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