Patrick Rafferty is an Associate Director at Coutts, with a strong background in specialist lending and risk management since January 2018. Responsibilities include portfolio management, conducting thematic reviews, assessing portfolio performance against risk appetite metrics, and presenting analyses to senior management. Prior roles at Coutts encompass Credit Analyst positions, where Patrick supported Private Bankers with high-net-worth clients through data analysis and documentation preparation. Earlier experience includes a two-year rotational graduate scheme at RBS, covering various roles such as Assistant Director in Portfolio Management and Graduate Relationship Manager. Educationally, Patrick holds a Bachelor of Arts in History from the University of Liverpool, completed in 2014, and also worked part-time as a sales assistant at Liverpool Football Club during university years.
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