David Kennedy

Experience

• 

  Clydesdale Bank PLC

  Aug 2005 - Oct 2012

  Achievements and responsibilities: • Responsible for the day to day management and Leadership of 12 Relationship Managers covering Commercial Banking, Agriculture & Private Banking. • Managed the above team through significant change due to the Global Financial situation.• Established strong local Network of referral partners maintaining & bringing on a number of high profile connections to the Bank. • One of the Founder Members of the Elite Ayrshire Business Circle and regular attendee at Ayrshire Chamber of Commerce.• Sector Lead in Clydesdale Bank, Scotland for the Hospitality Industry (Pubs, Hotels, Restaurants etc). Show less Achievements and responsibilities: :• Analysis and approval of Credit submissions that were outwith Managers authority up to my own authority. The focus of this role was on trading businesses.• Preparation and presentation of large files to the Bank’s Credit Committee.• Joint visits with Relationship Managers where appropriate.• Deal structuring and fee enhancements to reflect risk & reward.• Coaching & mentoring of Credit Managers, Relationship Managers.• Mentoring several managers through the Bank’s 3 yearly Lending Training Programme (Moodys/Omega) Show less

  • Senior Partner

    Nov 2007 - Oct 2012

  • Credit Executive

    Aug 2005 - Nov 2007
• 

  National Australia Bank

  Nov 2012 - Sept 2016

  Senior Credit Executive - NAB UK Commercial Real Estate (CRE)

  Achievements and responsibilities: • Set up the NAB UK Credit Team with overall responsibility for the day to day management of a team of Credit Executives.• Established monthly reporting of Key Credit Metrics to the Leadership Team and the Bank’s Risk Committee. Significant improvements evidenced here by the Group Credit Assurance Team.• Exercised a significant Delegated Credit Authority solely and jointly with Head of Credit.• Overviewed and assisted with the controlled ‘wind down’ of a £5.6bn loan book of Corporate Real Estate Loans in circa three years.• Involved in two key projects to sell tranches of this book to external investors. Assisted in the preparation of this for sale and the post management until formally transferred.• Ongoing training/coaching of Direct reports and overview of Lending Accreditation of the wider NAB UK CRE team. Show less

• 

  Wellington School, Ayr

  Jul 2017 - Apr 2021

  Bursar
• 

  Wellington School, Ayr

  Aug 2022 - now

  Governor
• 

  River Garden Auchincruive

  Jan 2023 - now

  Trustee