Gavin Wintrell

Commercial Lending Manager @NatWest Group

City Of Bristol, GB

Commercial Lending ManagerI specialise in managing complex financial transactions, assessing credit risk, and delivering tailored debt monitoring solutions to support sustainable business growth. With a strong foundation in financial analysis, I evaluate business performance, assess risk exposure, and structure financing solutions that align with both client objectives and institutional risk appetite.Key responsibilities include: Financial Analysis & Risk Management – Conduct in-depth financial and credit analysis to assess business viability, identify potential risks, and ensure sound lending decisions. Transactional Management – Oversee end-to-end transaction processes, ensuring seamless execution of commercial lending and financing solutions. Specialist Debt Monitoring Solutions – Implement effective debt monitoring strategies, mitigating risk while supporting business continuity. External Legal Negotiations – Collaborate with legal teams and external counsel to negotiate loan agreements, security structures, and contractual obligations. Analytical Expertise – Leverage data-driven insights to support decision-making, optimize risk frameworks, and enhance portfolio performance. Stakeholder Management – Build strong relationships with key stakeholders, including business clients, legal advisors, and internal credit teams, to drive successful financial outcomes.Focused on delivering strategic and commercially viable financial solutions, I thrive in high-stakes environments where analytical thinking and stakeholder collaboration drive success.

Solent University

BSc (Hons)

ifs University College

Certificate in Business Banking and Conduct

The Chartered Banker Institute

Diploma in Lending Skills

ifs University College

CeMap

Royal Bank of Scotland

Certificate in Credit Assessment

The Chartered Banker Institute

Certificate in Lending Skill