A senior credit mind, deepest where it matters
Deepest on credit appraisal: the 5Cs, the cash flow behind the numbers, collateral at local realisation, conditions, and the questions a credit committee will ask. It carries risk, compliance, FX and treasury, capital markets, investing, AML and financial crime, collections and recoveries, ESG, and payments in the same mind, because the same file raises all of them, and it shows the working at every step.