Phil Cutts
Calgary,AB
Summary
Dynamic Banker with extensive experience leading teams, managing complex mid-market relationships, and structuring financial solutions. Proven success in portfolio growth, client acquisition, and cross-functional collaboration. Brings expertise in business development, corporate credit analysis, and training delivery to drive organizational success.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Associate Director
Scotiabank
09.2019 - Current
- Led team of up 12 personnel, supervising daily performance as well as training and improvement plans
- Managing a complex book of Mid-Market relationships, seeking and growing revenue and referral opportunities, exposures typically to $60mm
- Negotiating and structuring FX, Trade Finance, Leasing, Cash Management and Derivative solutions for clients through internal collaboration with active and direct involvement in underwriting
- Networking in professional community to build bank and team market profile
Senior Relationship Manager
Bank of Montreal
08.2015 - 09.2019
- Negotiated, structured, analyzed and underwrote new to bank proposals
- Established strong referral networks with internal partners such as commercial banking, private banking, and wealth management teams to identify potential new clients.
- Led Mid-Market Cash Flow Lending efforts under growth strategy to acquire new relationships through pitching presentations and events to professional community
- Managed the largest Mid-Market portfolio for the Bank in Calgary and consistently exceeded growth targets
- Maintained a market profile through attending events in the professional community
Account Manager
Connect First Credit Union
08.2013 - 08.2015
- Managed a commercial real estate, diversified and agricultural lending portfolio
- Built COI relationships, structured and negotiated credit terms, presented to credit committee and collaborated with regulators and syndication partners
Consultant
Consultancy Services
04.2012 - 04.2013
- Designed training programs for role-plays and workshops (credit based training)
- Reviewed derivatives contracts to recommend restructuring / recompense to clients (project management)
Corporate Credit Trainer
Moody's Analytics Inc.
07.2011 - 04.2012
- Designed and delivered >100 days of basic and intermediate credit training to bank employees and public course candidates
- Coached and managed case studies and workshops aimed to provide learning from real lending / client scenarios relating to analysis, structuring and documentation
Project Manager
Lloyds Banking Group
10.2010 - 04.2011
- Migrated large corporate accounts to new software platform (change management)
- Client liaison, supported transition to equivalent products, trouble-shooting
Career Break
None
05.2009 - 10.2010
- Professional skills based courses and travel
Director
Santander Bank
05.2008 - 05.2009
- Directly recruited and managed a team of 5 to form a new commercial banking team
- Originated mid corporate clients, met complex working capital and trade finance needs
Associate Director
Royal Bank of Scotland, RBS
09.2007 - 05.2008
- Business Development role; structured, sold and closed factoring facilities, on-boarded new to bank customers, developed referrals for the wider bank
Relationship Manager
National Australia Bank
07.2003 - 09.2007
- Built portfolio of 70+ Commercial clients comprising telecoms, manufacturing, IT, services, professional, leisure sectors, typical exposures $5-10mm
- Carried sole credit adjudication limits to $10mm
- Developed Private Equity and Corporate Finance professional relationships
- Managed 3 staff directly, undertook credit mentoring and performance management duties
Property Finance Manager
Nationwide Building Society
06.2001 - 07.2003
- Managed portfolio of $600mm of commercial property debt to a diverse client base and delivered net growth targets
- Managed support team of 5 staff for office unit with leadership, training, and development responsibilities
Consultant
ASC Consultants
06.1998 - 06.2001
- Commercial finance broking; sourced opportunities, interviewed clients, placed debt for construction, investment, bridging, business acquisition and refinance proposals
Education
Bachelor of Arts - Accounting And Finance
Leeds Beckett University
Leeds UK07-1997
Skills
- Key Relationship Management
- Business Development
- Sales Leadership
- Risk and Compliance Leadership
- Structuring and Negotiation
- Corporate Credit Analysis
- Training Delivery
- Collaboration and Team Work
Languages
English
Native or Bilingual
Accomplishments
- Appearance on BBC2 Dragons Den in support of Igloo Thermo Logistics
- Accredited Leveraged debt Specialist for National Australia Bank
- Omega and Moodys credit accreditation courses completed
Certification
- Canadian Securities Course completed
Timeline
Associate Director
Scotiabank
09.2019 - Current
Senior Relationship Manager
Bank of Montreal
08.2015 - 09.2019
Account Manager
Connect First Credit Union
08.2013 - 08.2015
Consultant
Consultancy Services
04.2012 - 04.2013
Corporate Credit Trainer
Moody's Analytics Inc.
07.2011 - 04.2012
Project Manager
Lloyds Banking Group
10.2010 - 04.2011
Career Break
None
05.2009 - 10.2010
Director
Santander Bank
05.2008 - 05.2009
Associate Director
Royal Bank of Scotland, RBS
09.2007 - 05.2008
Relationship Manager
National Australia Bank
07.2003 - 09.2007
Property Finance Manager
Nationwide Building Society
06.2001 - 07.2003
Consultant
ASC Consultants
06.1998 - 06.2001
Bachelor of Arts - Accounting And Finance
Leeds Beckett University
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