Summary
Overview
Work History
Education
Skills
Languages
Accomplishments
Certification
Timeline
Generic

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 UK
07-1997

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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