Our People - Lloyds Bank Commercial Bank
  • 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 is a member of the Group Executive Committee and reports to António Horta-Osório, CEO of the Group.

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    Tim Hinton

    Managing Director, SME & Mid Markets Banking, Commercial Banking, Lloyds Bank

    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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    Andy Cumming

    Managing Director, Global Non-Core, Commercial Banking, Lloyds Bank

    Andy’s key responsibilities are deleveraging the non-core debt portfolio and keeping a close control over impairments.

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    Ed Thurman

    Managing Director, Financial Institutions, Commercial Banking, Lloyds Bank

    Ed heads up our financial institutions team. He joined the Group in August 2008 as a Director for the Group’s corporate development, with responsibility for developing corporate strategy.

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    Richard Moore

    Managing Director, Financial Markets, Commercial Banking, Lloyds Bank

    Richard’s role as Managing Director, Financial Markets, draws on a career spanning 25 years in the financial services industry.

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    James Garvey

    Managing Director, Capital Markets & Portfolio Management, Commercial Banking, Lloyds Bank

    James joined the Group in September 2009 to manage capital markets and portfolio management; these businesses work in partnership with the relationship management teams to deliver financing and risk ...

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    Martin Draper

    Co-Head & CEO, LDC

    Martin is Co-Head and CEO for LDC and is responsible for all LDC’s executive and operational matters, and has leadership of the Midlands, North and South West Investment teams.

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    Chris Hurley

    Co-Head & CEO, LDC

    Chris is Co-Head and CEO for LDC and co-responsible for all LDC’s executive and operational matters, and has leadership of the London, Scotland and South investment teams.

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    Ed Smith

    Managing Director, Head of Global Transaction Banking, Commercial Banking, Lloyds Bank

    Meet our colleagues in the business. Ed is Managing Director, Head of Global Transaction Banking. Find out more about him.

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    Karin Cook

    Chief Operating Officer, Commercial Banking, Lloyds Bank

    Karin joined the Group as Commercial Banking’s Chief Operating Officer in March 2013.

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    Stephen Shelley

    Risk Director, Commercial Banking, Lloyds Bank

    As part of the Group’s senior team, Stephen spearheads risk management strategy for Commercial Banking. He was appointed to his current role in November 2012 shortly after joining Lloyds Bank as ...

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    Nick Slape

    Finance Director, Commercial Banking, Lloyds Bank

    Nick joined the Group as Finance Director in 2012, drawing on over two decades of experience in the financial sector where he has held several senior roles in investment banking.

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    Hugh McKay

    Human Resource Development (HRD), Commercial Banking & Consumer Finance, Lloyds Bank

    Hugh has played a lead HR role in several strategic reviews and mergers/acquisitions during his time with the Group. These include the Halifax/Bank of Scotland merger, re-organisation of the Group's ...

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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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    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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    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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    Mark Grant

    Country Head, North America

    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

    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

    Country Head, France, Lloyds Bank

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Sector Specialists

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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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    Richard Dakin

    Managing Director & Head of Corporate Real Estate, Business Support and Non Core, Commercial Banking, Lloyds Bank

    Richard was appointed to his current role in March 2009, assuming responsibility for a diverse range of property businesses.

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    Adam Daniels

    Global Head of Specialist Finance & Intermediaries, Commercial Banking, Lloyds Bank

    Adam heads up the specialist finance and intermediaries (SF&I) team, managing relationships with commercial and consumer finance providers such as the ‘challenger banks’, non-bank financial ...

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    Stephen Dwyre

    Managing Director & Global Head of Industrials & TMT, Global Corporates

    Steve leads the industrials customer group within commercial banking. He manages colleagues across offices in London, New York, Chicago and Los Angeles.

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    Martin Green

    Managing Director, Mid Markets Real Estate & Social Housing, Commercial Banking, Lloyds Bank

    Martin is responsible for operations in London, Leeds, Manchester, Edinburgh and Birmingham, managing real estate and social housing clients , ranging from private family companies to larger national ...

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    Anthony Williams

    Managing Director & Global Head of Consumer Services & Entrepreneurs, Global Corporates, Commercial Banking, Lloyds Bank

    Anthony started his role in 2013, based on his well-rounded experience and on the strength of his 25-year career in the banking and corporate world.

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    John Feeney

    Managing Director and Global Head of Corporate Real Estate, Commercial Banking, Lloyds Bank

    John oversees lending, advisory, risk management and capital markets activities for global corporate real estate clients.

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    Adrian White

    Managing Director, SME Banking, Commercial Banking, Lloyds Bank

    Adrian leads our business in the support of small-to-medium-sized banking clients with a turnover of between £1m and £25m, as well as those needing to borrow more than £50,000.

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    Alec Innes

    Managing Director & Head of Relationship Solutions, Commercial Banking, Lloyds Bank

    Alec heads the Relationship Solutions team, having assisted with the establishment of the Portfolio Management Distribution team in 2013. He has a wealth of experience in investment banking and ...

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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 Sales, Financial Markets, Commercial Banking, Lloyds Bank

    Matthew became Head of SME and Corporate Sales 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 Capital Markets Origination, Commercial Banking, 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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    Andrew Edwards

    Head of Portfolio Management, Commercial Banking, Lloyds Bank

    Andrew is responsible for allocating capital across our business and managing the core lending portfolio, joining Lloyds Bank in July 2012.

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    Dave Wills

    Head of Sales, Commercial Cards & Acquiring Services, Consumer Finance, Lloyds Bank

    Heading up sales at commercial cards and Cardnet®, Dave’s most recent experience has included wider profit and loss responsibility. On a broader level, he has built and led a new sales team, looking ...

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    Adrian Walker

    Managing Director, Product, Global Transaction Banking, Commercial Banking, Lloyds Bank

    Adrian is currently Managing Director of Product, Global Transaction Banking – the largest Commercial Banking business by contribution to client income. Adrian has led this team which spans three hub ...

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    Guillaume Fleuti

    Head of Infrastructure and Energy, Commercial Banking, Lloyds Bank

    Guillaume Fleuti heads the Infrastructure & Energy team at Lloyds Bank. Guillaume joined Lloyds Bank in 2009 and has over 14 years of experience in Capital Markets. Guillaume has actively ...

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    David Whiteley

    Managing Director, Leveraged Loans & High Yield Capital Markets, Commercial Banking, Lloyds Bank

    David has headed up the leveraged loan syndicate and high yield capital markets team since he joined Lloyds Bank in 2007 from RBS. The team arranges and underwrites leveraged loans and high yield ...

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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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    Charlie Diebel

    Head of Market Strategy, Commercial Banking, Lloyds Bank

    Charlie leads a team of strategists who are responsible for generating daily market analysis and insights alongside detailed views on fixed income, rates and currencies.

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    Hann-Ju Ho

    Director of Proprietary Data Modelling, Commercial Banking, Lloyds Bank

    Hann heads a team that looks after internal surveys and transactional information sources on consumer and business behaviours. These sources are used to provide advanced information on UK economic ...

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    Jeavon Lolay

    Head of International Macroeconomics, Commercial Banking, Lloyds Bank

    Jeavon mainly focuses on worldwide macroeconomic developments and country reporting, having joined Lloyds Bank Commercial Banking in 2004. He is responsible for the monthly International Financial ...

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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 Clark

    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, Industrials & Services, 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

    Area Director, Professionals, 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, Leisure, Retail, Technology, Media and 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, Gatwick & South East, 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, 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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