Commercial credit automation: how to avoid pitfalls of the past
New approaches to SME lending in the era of digital banking
To obtain a competitive edge, institutions are now turning to automation to radically improve their customers’ experience; freeing up time spent on repetitive processes and allowing relationship managers to approve credit faster, and risk managers to focus on complex deals.
Drawing on lessons learnt from the past in SME lending, hear from the panel on how applying automation can enable quicker decision making, cutting costs and fulfilling customer satisfaction.
Richard joins us as the Co-Founder and Managing Director of Esme Loans, part of NatWest. Launched in early 2017, Esme has revolutionised SME lending through drastically reducing lending processes and decision making times for clients, through a digital approach whilst retaining human touch points. Prior to launching Esme, Richard oversaw Structured Finance at RBS.
George is a Managing Director at Coutts, responsible for the Lending and Banking propositions. George brings over 15 years of industry experience to the conversation. Previously he was responsible for strategic and corporate development for both private and commercial banking at RBS. George started his career in Investment Banking and has worked as a strategy consultant, specialising in financial services.
David Ratnage is a Director of Product Management focussed on the development of the FIS Commercial Lending Suite with a particular focus on the evolution of our origination solutions.
A passionate business change advocate with specialism in technology led end-to-end credit process transformation David has over thirty years’ experience from both a solution provider and buyer’s perspective.
Prior to FIS David has worked for Bankers Trust, Deutsche Bank and Lloyds Bank and latterly Moody’s Analytics and IBM Algorithmics where he led the credit lifecycle solution team for five years.
Lindley Gooden is a journalist and filmmaker who has worked at the very top levels of British broadcasting and news since the early 1990s.
He has worked in national radio and television as:
- A Senior BBC Journalist
- A presenter on channels as diverse as BBC One, Radio 1, BBC Three and Five and a range of other national and regional radio stations.
- The Consumer Affairs Correspondent on Sky News and Five
Prior to his years in the national media, he was known as the most successful Head of News in local commercial radio – launching new services and dramatically raising audience share and reach, using tools that have since been adopted by radio groups across the UK.
Lindley now works with companies, charities, government and other organisations creating and delivering their own media needs.