Credit Assessment Group

About the Credit Assessment Group

The role of the Credit Assessment Group is to provide an informed opinion of the risks of the lending proposition and to determine whether or not it falls within the firm's pre-defined policies and procedures, with any variations highlighted.

The present team have more than 100 years of banking experience, with 40 years' experience in credit roles - the majority of which relate to specialist property development and investment lending covering small, medium and large Borrowers in both corporate and investment banking.

The Credit Assessment Group adopts a methodical approach to the appraisal of the transaction using their skills, judgement and experience to evaluate the proposal. This process is undertaken in addition to the internal controls and checks on Borrowers and guarantors carried out by Invest & Fund.

Key to the appraisal is the initial application; this is presented by experienced Business Development Managers working for Invest & Fund, who will personally have met with and assessed the potential Borrower and the transaction.

Bill Lindsay - Head of Credit Risk

A career banker with more than 40 years in the industry, Bill has covered a wide range of origination roles across Retail, Corporate, and Investment Banking. More recently, his focus turned to Credit - both policy and loan approval - at a senior level with Barclays Corporate and Barclays Capital. He was also Head of Credit for Eurohypo, a specialist property Lender, for a period. Bill brings his vast experience to Invest & Fund as our Head of Credit Risk.


Steve Jupp - Credit Assessment Group

Steve was previously a corporate banker with Barclays for over 35 years, with his roles there covering both relationship banking and credit risk, with specialism in leveraged finance and property/construction. He held various senior leadership positions, including heading up the Property Credit team which handling transactions ranging from £1m to £2bn. Following retirement from Barclays at the end of 2006, Steve worked with the likes of the Bank of England, CIT and Bank of Ireland in various consultancy roles. Steve operates as a credit consultant for Invest & Fund.


Richard Payne - Credit Assessment Group

Richard was previously a corporate banker with Barclays for over 40 years, where he covered a wide range of roles within relationship banking and risk management. He specialised in property & construction-related lending for more than 20 years, and headed the Structured Property Finance team for many years, handling a wide range of specialist and bespoke lending transactions. He retired from Barclays in 2014.