International Travel & Family Commitments at Career break (2024-09 – Present)
- Travelled to c.20 countries, including an extended period supporting family commitments in New Zealand.
Commercial Banking Associate at Lloyds Banking Group (2021-09 – 2024-08)
Infrastructure & Project Finance Asset Management, Debt Solutions Group at Lloyds Banking Group (2023-11 – 2024-08)
- Managed financial and credit oversight of a £20bn+ infrastructure debt portfolio spanning c.20 large syndicated project finance facilities, predominantly renewable energy including offshore wind and solar assets across the UK and Europe.
- Performed detailed credit due diligence on complex infrastructure financings, assessing project risks, capital structures, financing terms, pricing, covenant packages, debt sizing and downside scenarios to support transaction execution, refinancing and investment decisions.
- Executed live refinancing, waiver and amendment transactions, partnering with origination teams and coordinating lenders, agents, sponsors, financial advisers and legal counsel through due diligence, credit approval, documentation and closing.
- Reviewed and challenged project finance models across renewable energy, utilities and transport assets, assessing cash flow resilience, leverage, DSCR and covenant headroom to support refinancing, restructuring and amendment decisions.
- Prepared credit, transaction and investment committee materials, synthesising transaction structures, pricing, covenant packages and key risks into clear investment recommendations.
- Conducted ongoing portfolio monitoring and credit reviews, assessing construction and operational performance, financial KPIs, credit quality, covenant compliance and borrower consent requests, identifying emerging risks and coordinating with borrowers, lenders and advisers to resolve portfolio matters.
- Mentored junior associates and graduates, strengthening analytical quality, execution standards and team integration.
Commercial Banking Graduate Associate at Lloyds Banking Group (2021-09 – 2023-11)
Selected for a competitive rotational programme spanning capital markets, client coverage and portfolio management.
- Conducted financial statement and credit analysis supporting lending decisions, capital structure discussions and ongoing relationship management across Retail & Consumer, Private Capital & Family Offices and Non-Strategic Assets portfolios.
- Led a portfolio rationalisation initiative, reallocating 100+ low-margin client relationships within a large Retail & Consumer portfolio, improving capital efficiency and strategic focus on higher-return relationships.
- Built a structured portfolio tracking tool for the Private Capital & Family Offices portfolio, improving visibility of performance metrics, leverage levels, key client relationship information and return drivers for senior stakeholders.
- Supported client relationship management, financial analysis and cross-functional execution on the successful delivery of a major payments mandate for a leading European retailer.
Client Delivery Specialist at Tax Management New Zealand (2021-01 – 2021-08)
- Delivered advisory and compliance support to SME and multinational clients, analysing financial data within cross-border regulatory frameworks and liaising with NZ Inland Revenue to resolve complex matters.
