I hold overall accountability for the credit risk and capital management on a corporate portfolio across TMT, Healthcare, Hotels & Hospitality, and Retail sectors. I direct a high-performing team, including six London Associate Directors, while serving as line manager and credit approver. I execute counter-party credit risk analysis, manage capital returns, prepare documents, and ensure compliance and regulatory control. Inspired, developed, and headed a Team of eight London staff, managing a credit risk portfolio of 12Bn, increasing this to 16Bn whilst simultaneously downsizing the Team to six London staff. Developed and improved risk and capital Approval procedures and processes. Independently examined and approved credit proposals within delegated authority. Strengthened relations with FTSE 100 and SME corporate clients; devised and implemented their debt needs to improve liquidity and financial profile.