
Lorraine Thornton
Experienced Credit Risk Manager in the Payments Acquiring sector. My in-depth knowledge of credit underwriting and financial analysis... | Watford, Hertford, United Kingdom
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Lorraine Thornton’s Location Watford, Hertford, United Kingdom
Lorraine Thornton’s Expertise Experienced Credit Risk Manager in the Payments Acquiring sector. My in-depth knowledge of credit underwriting and financial analysis brings with it the knowledge and skills to make decisive risk decisions, that balance the need to manage risk within risk appetite, and the commercial needs of the business to drive growth in earnings, and the all-important need to nurture customer relationships and create positive customer experiences. I am highly competent on legal and regulatory matters, having worked closely with legal teams, the card schemes and risk and compliance areas for many years. I have strong management experience in the Credit space with a proven track record of coaching, developing and motivating staff to deliver results. I am a person committed to adding value and delivering on goals. Key Skills: • Excellent financial analysis skills: ability to analyse and interpret financials statements, financial ratios and other key data including credit bureau data, to make informed decisions; • Wide sector knowledge, including Travel and airline risk; • Highly competent in credit underwriting, periodic review, risk mitigation measures and remediation to control losses; • Customer centric: recognition of risk control verses commercial and customer needs must balance; • Experienced in development and implementation of workable credit policies and effective credit underwriting and risk monitoring procedures; • Positive attitude and willingness to listen and collaborate with others to drive effective working relationships with stakeholders; • In-depth understanding of card scheme regulation and regulatory requirements including AML; • Highly effective manager, who has experience in developing new teams and can coach, develop and motivate teams to increase their engagement and deliver above expectations on performance; • Solid contract negotiation skills on credit risk clauses supporting legal teams, including negotiation on large for corporate entities; • Articulate and can effectively communicate with confidence at all levels.
Lorraine Thornton’s Current Industry Tyl By Natwest
Lorraine
Thornton’s Prior Industry
First Data Merchant Services
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Elavon Financial Services Dac
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Amadeus
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Nat West Tyl
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Tyl By Natwest
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Work Experience

Tyl By Natwest
Credit Lead (Slod)
Sun May 01 2022 00:00:00 GMT+0000 (Coordinated Universal Time) — Present
Nat West Tyl
In-Life Lead
Fri Jan 01 2021 00:00:00 GMT+0000 (Coordinated Universal Time) — Present
Amadeus
Credit Risk Manager, Acquiring
Fri Feb 01 2019 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Jan 01 2021 00:00:00 GMT+0000 (Coordinated Universal Time)
Elavon Financial Services Dac
Credit Risk Manager, Europe
Wed Feb 01 2006 00:00:00 GMT+0000 (Coordinated Universal Time) — Sat Dec 01 2018 00:00:00 GMT+0000 (Coordinated Universal Time)
First Data Merchant Services
Assistant Credit Risk Manager
Fri Feb 01 2002 00:00:00 GMT+0000 (Coordinated Universal Time) — Thu Dec 01 2005 00:00:00 GMT+0000 (Coordinated Universal Time)