David Monks

Experience

• 

  Yorkshire Bank

  Aug 1990 - Mar 2000

  Various.

  Joined on Management Development Programme and held various roles at various locations across the North of England, East Midlands and Scotland.

• 

  Clydesdale Bank

  Mar 2000 - Mar 2005

  Business Banking Manager

  Managing a portfolio of customers with borrowings up to £10M. Working with business owners to meet their day to day banking requirements and support them by understanding their needs and delivering appropriate solutions. Completing credit analysis of the business and submissions to the bank's credit team. Consistently delivered annual plan and grew the portfolio safely demonstrating important first line of defence behaviours.

• 

  Yorkshire Bank

  Apr 2005 - Nov 2012

  Head of Credit

  Head of Credit for Yorkshire Bank responsible for a team of up to 20 Credit Partners. Exercised personal delegated authority up to £75M and also obtained experience in team restructuring to manage costs, supporting customers in restructuring their obligations through forbearance strategies, adapting risk appetite and credit policy to changing economic environment and project work to separate the real estate portfolio which was transferred to NAB.

• 

  Santander UK Corporate & Commercial

  Nov 2012 - Dec 2017

  Divisional Head of Credit Risk

  Currently Divisional Head of Credit covering North of England, having previously also been responsible for Scotland and Northern Ireland. Role involves leading a team of Credit Partners, managing risks in the portfolio across a wide range of asset classes, exercising personal delegated authority up to £25M, chairing credit committees, driving strategic and operational change, and maintaining strong relationships with key stakeholders.

• 

  Western Union

  Jan 2017 - Feb 2019

  Director, Risk and Credit Finance

  Responsible for the Credit Underwriting department for the EMEA region of Western Union International Bank and Western Union Business Services.

• 

  Cambridge & Counties Bank

  Mar 2019 - now

  Chief Lending Officer

  Leading the Credit Underwriting and Arrears and Recoveries teams. Responsible for the bank’s loan portfolio ensuring long term profit growth whilst minimising risk. Developing and enforcing the bank’s procedures for granting loans to customers and sitting on the Executive Management Committee.