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Denis Cleary has over three decades of experience in the banking sector, currently serving as the Head of Credit at Punjab National Bank since August 2021. Prior to this role, Denis held the position of Credit Approval Manager at Cynergy Bank from April 2013 to August 2021. Denis’s extensive career began at Lloyds Banking Group, where a variety of roles, including Commercial Relationship Manager, were undertaken from September 1987 to September 2012.