Patrick Drury

Background

About Patrick Drury

Chartered Accountant (ACA), Chartered Banker and Qualified Financial Advisor (QFA). 16+ years experience in the Banking and Finance sector most notably as a Senior Credit Underwriter with PayPal, Specialised Relationship Manager and Business Relationship Manager in the Banking Sector. Currently managing PayPal’s highest risk mid-market and large enterprise merchants which involves in-depth financial, operating model and credit risk analysis, quantifying merchant exposure, implementing appropriate mitigation strategies to prevent/reduce losses, and representing PayPal in merchant insolvency proceedings. 10+ years Business Banking experience. Relationship Manager for five years with responsibility for a portfolio of business customers, this involved assessing new lending requests, deriving and implementing debt recovery strategies, undertaking periodic reviews, and managing the customer/bank relationship whilst adhering to policies, procedures and legislative requirements. Worked closely with SMEs across various industries gaining an in-depth understanding of their past and current financial performance, business forecasts, trading environment and financing needs. Experienced in report writing, credit committee presentations, financial & business analysis (SME’s up to PLC’s). Possess strong credit risk, debt restructuring & recovery, and relationship management skills. Highly motivated, meticulous work ethic, enthusiastic with proven analytical ability, strong project management skills, excellent interpersonal skills and capable of working as an individual or as part of a team.