1. Nicola Gratton - Curriculum Vitae
46 Roby Street, St Helens, Merseyside WA10 3JF
Tel 07766203376 email nicg92@hotmail.com
SUMMARY
I am an experienced Credit Underwriter with an analytical nature. I am looking for a challenge that will
provide an opportunity for me to fully utilise the skills and experience I have developed over my career in
banking. I have a strong customer focus, a determination to succeed, a flexible approach and a
willingness to learn.
Key Skills
Communication Skills Risk Assessment Meeting Deadlines
Decision Making Team Working Ability to work Alone
EMPLOYMENT HISTORY
May 2001 – present: Alliance & Leicester Commercial Bank/Santander UK PLC
Junior Underwriter - £25,000 Unsecured Lending Mandate
>Assessment of applications for Small Business Lending
>Communication with customers via telephone/letter
>Ensuring that the Bank’s internal credit policy is adhered to alongside full compliance with The Data
Protection Act
Secured Lending Underwriter £100,000 Secured lending Mandate/£50,000 Unsecured (as above and
in addition)
>Assessment of secured/unsecured lending applications for SME business market
>Financial analysis of Annual Accounts, Cashflow forecasts, Management Information and bank
statements
>Production of offer letters
>Instruction of property valuations
>Liaison with the Bank’s Securities team
>Giving advice, feedback and testing capabilities on various new Risk tools and systems
Business Lending Manager £250,000 Secured lending Mandate/£100,000 Unsecured (as above and
in addition)
>Assessment of secured/unsecured applications for the Relationship managed portfolios
>Liaison with Relationship Directors/Regional Directors and Bank Middle Office functions
>Use of internal systems to maintain accuracy of records, ADT, DES, Excel databases
>Production of daily workflow management figures
>Employee Engagement Representative 2013-2016 inclusive
>Dedicated point of contact for Relationship Directors in the Midlands area
April 1999 - to April 2001 : National Westminster Bank PLC, Regional Sanctioning Officer, North
Region
>Assessment of lending propositions.
>Liaison with other Bank Staff regarding lending issues/decisions.
>Ensuring all Bank’s internal procedures and policies have been adhered to.
>Identifying where the bank could pro-actively lend.
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2. November 1998 - April 1999 : National Westminster Bank PLC, North West Region
>Training and achieving competence in a variety of roles within the Bank including Business Centre
Assistant Relationship Manager and Pay no Pay Officer
July 1997 - August 1997 : Southport County Court, Administrative Assistant.
August 1996 - September 1996 : St.Helens County Court, Administrative Assistant.
>Preparing Court Lists.
>Data Inputting Cases onto Computer.
>Filing.
EDUCATION
1997 - 1998 Legal Practice Certificate Chester College of Law
1994 - 1997 BA (Hons) Law Nene University College
1992 - 1994 4 A-Levels Rainford High School
1987 – 1992 9 GCSEs Rainford High School
2001 CLAIT 1 St Helens Business Skills.
2014 Banking Law and Governance IFS University College (for Santander)
HOBBIES & INTERESTS
I enjoy various film genres and have a wide ranging reading habit from the Classics to modern day
thrillers.
I get to the theatre as often as possible and particularly enjoy musical theatre.
I go to a variety of exercise classes whenever possible and have a love of travel, both city breaks and
beach based.
References
Underwriting Manager Stuart Gibson Underwriting Manager Sean Rabbitte
Bridle Road Bridle Road
Bootle Bootle
L30 4GB L30 4GB
Tel: 0151 966 2371 / 07534 212476 Tel: 0151 966 3080 / 07751036338
Email: stuart.gibson11@googlemail.com Email: seanrabbitte@sky.com
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