Following 18 and a half years within RBS’ credit team, Neil became Head of Credit Risk at OakNorth Bank in December 2014 where he sits on both the ExCo and the Credit Committee. He has over 30 years’ experience in credit risk, including all forms of credit analysis and underwriting in the SME/Corporate arena with personal Lending Authority to £20million. He’s implemented and led various credit and lending policy frameworks/approaches including credit quality assurance, across a large and diverse Corporate portfolio of major banks.