Name: Murray Marshall
Role: Loan Officer, Highlands & Islands
What does a normal day look like for you? – As a loan officer, a typical day involves a large variety of tasks. Aside from office admin, I assess new business loan applications and meet with potential clients, local business owners and accountants. An important part of my role is following up with existing clients and writing loan reports. I also keep up to date with local and national events that may be useful for my clients and regularly attend the local Chamber and other networking events. So no two days are the same!
What do you enjoy most about your day? – The best part of my job at DSL Business Finance (DSL) is meeting clients, finding out about their business and being able to help them achieve their ambitions.
What do you least enjoy about your day? – At DSL, we invest time in getting to know our clients needs and how we can help them in the loan application process. We collate the information to put a case forward for the client which involves a lot of paperwork. This however gives you a great deal of satisfaction when it results in the loan being approved.
What is the most challenging thing about your job? – Like many jobs, managing my time is often quite challenging. Given that the area I cover is larger than Belgium, attending a meeting with a client could take the entire day depending on the location. In some cases, I have been using Skype to hold meetings in more remote locations, although I always prefer face to face. We pride ourselves on being able to work with businesses based anywhere in Scotland.
What motivates you? – This one is easy – it’s seeing businesses go forward which wouldn’t have happened had I not been able to assist them with funding.
What piece of advice would you give to business owners? – My one piece of advice for any business, particularly start-ups, is that cash flow is critical. Without sufficient working capital, the business won’t be able to grow and succeed. If there is insufficient capital, it is often found that the owner will spend more time chasing payments than chasing new business opportunities.
What do you enjoy outside of work? – Living on the Black Isle, it is a fantastic location for walks on the beach or in the woods with my wife Jane and our family. While I have a grown-up family, I also have two boys (aged 15 & 7) at home as well as a 7-year-old foster child so they all keep me busy. We have also recently added a new puppy to the family, so free time outside of this is sparse!