• Our People

  • Building and maintaining strong relationships is at the core of Lloyds Bank Commercial Banking. This is critical in today’s fast changing marketplace.

    Every business has milestones ahead – the experience of our team can help you meet yours with confidence.

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  • Senior Team
  • Regional Specialists
  • Sector Specialists
  • Product Experts
  • Economic Experts
  • Area Directors

Senior Team

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    Andrew Bester

    Group Director & CEO, Commercial Banking, Lloyds Bank

    Andrew Bester, Group Director and Chief Executive, Commercial Banking, was appointed in 2012 and is responsible for implementing and executing Lloyds strategy for serving its business clients ranging ...

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    Tim Hinton

    Managing Director, Mid Markets & SME Banking

    Tim was appointed to this senior position to manage SME and Mid Markets within Lloyds Bank in 2013. His department is responsible for supporting small, medium-sized and mid corporate businesses ...

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    Clare Francis

    Managing Director, Global Corporates, Commercial Banking, Lloyds Bank

    Clare has over 25 years of experience in advising diverse clients across all aspects of risk and financing. She joined Lloyds Bank in 2006 as Managing Director of Sales, responsible for distributing ...

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Regional Specialists

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    Steve Harris

    Area Director, North, East and West Yorkshire, Commercial Banking, Lloyds Bank

    Steve is responsible for a team of over 20 bankers in the Yorkshire market, covering over 200 corporate businesses and helping the county and wider UK economy to prosper.

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    Mark Burton

    Regional Managing Director, London & South, Commercial Banking, Lloyds Bank

    Mark is responsible for the northern franchise of mid markets, together with driving the strategy, ultimate balance sheet and profit and loss budget delivery for mid cap customer segments across the ...

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    David Richardson

    David Richardson

    Regional Managing Director, Midlands, East & South West, Commercial Banking, Lloyds Bank

    David has a national overview of manufacturing businesses and also supports our customer relationships with Lex Autolease. He also serves as Lloyds Group Regional Chairman across the Midlands.

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    Alasdair Gardner

    Regional Managing Director, Commercial Banking, Bank of Scotland

    Alasdair is responsible for leading the commercial banking business in Scotland, covering clients with a turnover of £1m to £750m. He heads a team of 120 Relationship Directors based across three Mid ...

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    Mark Grant

    Mark Grant

    CEO, North America, Commercial Banking, Lloyds Bank

    Mark joined Lloyds Bank in 1978 and has built a varied career with the Group, encompassing roles in client coverage (SME through to Global Corporates), Risk (Chief Credit Officer, USA, Head of Risk ...

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    Ender Tanar

    Ender Tanar

    Managing Director, Head of Central Europe, Global Corporates, Commercial Banking, Lloyds Bank

    Ender leads the regional corporate coverage teams in Amsterdam and Frankfurt, which work closely with the sector and product specialist teams in London.

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    Vincent Bourlet

    Managing Director & Head of Corporate France, Commercial Banking, Lloyds Bank

    Vincent has extensive experience in the investment and corporate sectors in France, working across a broad range of clients and industries. He leads the commercial banking team for France and ...

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Sector Specialists

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    Robert Ellison

    Managing Director & Global Head of Banks, Commercial Banking, Lloyds Bank

    Robert has fourteen years’ experience advising financial institutions on issues related to capital markets financing, balance sheet management and regulatory capital. Prior to starting with Lloyds ...

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    Robina Barker-Bennett

    Global Head of Funds & Head of North American Financial Institutions, Commercial Banking, Lloyds Bank

    As Head of Financial Institutions for North America and Global Head of Funds, Robina joined the Group in March 2007.

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    David Boran

    Managing Director & Global Head of Natural Resources, Global Corporates, Commercial Banking, Lloyds Bank

    David is a seasoned all-rounder, having worked in many areas within Lloyds Bank from branch banking to marketing and training.

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    Bill Cooper

    Global Head of Insurance, Commercial Banking, Lloyds Bank.

    Bill has headed up the insurance business for Lloyds Bank globally since 2007. Active in the insurance sector since 1995, he has steered the division to become one of Lloyds Bank’s largest corporate ...

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    Radhika Papandreou

    Radhika Papandreou

    Head of Consumer & Services, North America, Commercial Banking, Lloyds Bank

    Radhika joined Lloyds Bank in January of 2010 and currently is the Head of Consumer and Services for North America, with responsibility for the consumer, healthcare, retail, media, telecom and ...

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    Tony Oakley

    Head of Social Housing, Mid Markets, Commercial Banking, Lloyds Bank

    Tony joined Lloyds Banking Group in 2002 and is currently Head of the Lloyds Bank Social Housing finance team having national responsibility for over 280 clients and over £12 billion of lending.

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Product Experts

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    Simon Allocca

    Managing Director, Head of Loan Markets, Commercial Banking, Lloyds Bank

    Simon is developing loan markets to better support his clients.

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    Ian Brown

    Head of Acquisition Finance Origination, Commercial Banking, Lloyds Bank

    Ian Brown is a Managing Director and Head of Acquisition Finance Origination at Lloyds Banking Group, leading a team of more than 60 origination professionals.

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    Anders Henrikson

    Managing Director & Head of FX Product, Commercial Banking, Lloyds Bank

    Anders became Head of FX Product in March 2013 after originally joining the Group in 2008. He’s responsible for leading FX business and supporting distribution across client segments and their ...

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    Cris Kinrade

    Head of Capital & Collateral Management, Commercial Banking, Lloyds Bank

    Cris is charged with several responsibilities, including the management of the credit valuation adjustment (CVA) pool for derivatives; overseeing the capital risk weight asset targets for ...

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    Matthew Lawrence

    Head of SME & Corporate, Financial Markets, Commercial Banking, Lloyds Bank

    Matthew became Head of SME and Corporate in financial markets in 2012. His 166-strong sales team is responsible for helping our clients succeed by managing their market risks and trading ...

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    Farouk Ramzan

    Managing Director, Head of Commercial Banking - Europe, Lloyds Bank

    Farouk took up his current role at Lloyds Bank in 2007, a position that involves building the corporate debt capital market platform as part of a client-focused debt product suite.

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    John Salter

    Global Corporates and Financial Institutions Director, Global Transaction Banking, Commercial Banking, Lloyds Bank

    John is responsible for designing and delivering the growth strategy for cash management and payments, a key pillar of Transaction Banking (TB). He also built a new sales advisory team to support ...

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    Andrew Willett

    Managing Director, Head of Risk Management Solutions & Strategic Client Solutions, Commercial Banking, Lloyds Bank

    Andrew joined at Lloyds Bank in 2002, heading up the major corporate risk management solutions team through sector specialism. From 2013, he became responsible for strategic client solutions, a team ...

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Economic Experts

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    Trevor Williams

    Chief Economist, Commercial Banking, Lloyds Bank

    Trevor leads the research team that supports Lloyds Bank’s trading and sales activities. He joined the group after working as an economist for the UK Civil Service, a position he was offered while ...

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    Adam Chester

    Head of UK Macroeconomics, Commercial Banking, Lloyds Bank

    Adam is a member of our economic research team that supports all commercial banking clients. He specialises in macroeconomics, offering valuable insight and guidance in this area. Adam joined Lloyds ...

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Area Directors

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    Dave Allanson

    Area Director, Manchester, East Lancashire & East Cheshire, Commercial Banking, Lloyds Bank

    Dave is currently responsible for the Manchester office, with 25 staff and a wide range of over 200 clients with turnover in excess of £15 million. These include many owner-managed businesses and ...

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    Glenn Bemment

    Area Director, Merseyside, North Wales & West Lancashire, Commercial Banking, Lloyds Bank

    In the Commercial Banking business, Glenn is responsible for clients with turnovers between £25 million and £750 million. His department is broken into teams that look after medium-sized businesses ...

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    Tim Pryor

    Area Director, South Yorkshire, Commercial Banking, Lloyds Bank

    Tim was appointed Area Director for South and East Yorkshire in 2009, and has prime responsibility running the Sheffield office. He is part of a team that looks after the banking relationships of 110 ...

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    Mike Mullaney

    Area Director, North East & North Cumbria, Commercial Banking, Lloyds Bank

    Mike and his team specialise in making successful and innovative transactions across a range of industry sectors – from food processing to coal mining and most things in between. They’ve delivered ...

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    Steve Harris

    Area Director, North, East and West Yorkshire, Commercial Banking, Lloyds Bank

    Steve is responsible for a team of over 20 bankers in the Yorkshire market, covering over 200 corporate businesses and helping the county and wider UK economy to prosper.

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    Philip Fulton

    Area Director, South Midlands & Hertfordshire, Commercial Banking, Lloyds Bank

    Philip leads a team that provides a range of commercial banking services to businesses in the South Midlands and Hertfordshire. He took up this role in 2010 after being appointed to a similar ...

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    Dene Jones

    Area Director, East Midlands, Commercial Banking, Lloyds Bank

    Dene leads a team that supports mid market clients across Derbyshire, Leicestershire, Lincolnshire and Nottinghamshire. They provide public and private sector businesses with tailored funding, risk ...

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    Steve Clarke

    Area Director, West Midlands, Commercial Banking, Lloyds Bank

    Steve has worked in the banking sector for over 35 years and is currently the Area Director of the largest area team in Mid Markets. His team covers business in the £25 million to £750 million ...

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    Mark Amis

    Area Director, East Anglia and Essex, Commercial Banking, Lloyds Bank

    Mark leads a team of 18 staff who provide a full range of banking and financial services for mid market businesses across Cambridgeshire, Norfolk, Suffolk and Essex.

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    Clive Hetherington

    Area Director, South West, Commercial Banking, Lloyds Bank

    Clive is responsible for Mid Market clients with a turnover greater than £25m and leads our relationship teams based in Bristol, Taunton, Exeter and Plymouth. He brings more than 30 years of ...

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    Jason Evans

    Area Director, South Wales & Severnside, Commercial Banking, Lloyds Bank

    As Area Director, Jason is tasked with increasing the regional corporate banking team and its range of products and services to businesses across South Wales and Severnside. He joined Lloyds Bank in ...

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    Matthew Packham

    Area Director, Trade, Business Services & Professionals, London, Commercial Banking, Lloyds Bank

    Matt is responsible for leading client-facing teams in the trade, industrials and services sectors within London ’s mid markets area. Since assuming his role in 2012, Matt and his team have focused ...

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    Richard Meddelton

    Richard Meddelton

    Area Director, Education, Charities & Government, London, Commercial Banking, Lloyds Bank

    Richard is our London-based Area Director heading up the professionals, charities and Government sector teams. Richard has 30 years’ banking experience and previously worked for Barclays, RBS and ...

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    Simon Bumfrey

    Area Director, Manufacturing, Industrials, Technology, Media & Telecoms, London, Commercial Banking, Lloyds Bank

    Simon leads a 20-strong team specialising in leisure, retail and technology, media and telecommunications (TMT) sector businesses with a £25m-£750m turnover.

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    Russell Harvey

    Area Director, Kent, Surrey & Sussex, Commercial Banking, Lloyds Bank

    Russell’s 24-year career with Lloyds Bank has spanned multiple locations, but he has mostly been based in London. He has fulfilled a variety of leadership roles in corporate and institutional areas, ...

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    Neil Foulkes

    Area Director, Oxford, Thames Valley & South, Commercial Banking, Lloyds Bank

    Neil is the Thames Valley and South Area Director for Lloyds Bank Commercial Banking and is responsible for mid market clients with a turnover of £25 million and over.

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    Allan Ramsay

    Area Director, Consumer Services, London, Commercial Banking, Lloyds Bank

    Allan is responsible for the client-facing Consumer Services team in Mid Markets, London which specialises in the Healthcare, Retail, Leisure and Hospitality sectors.

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