EY Corporate Finance

Green Deal Finance Company

October 2017
 Introduction

Debt Advisory

M&A

EY Contact Details
Why EY?
Introduction
 Introduction Why EY? Debt Advisory
Introduction
Overview
► The Green Deal Finance Company (“GDFC” or the “Company”) is a privately-owned
consumer credit company focused on setting up, financing and administering Green
Deal Loans. Green Deal Loans provide customers with accessible financing to
improve their homes by installing energy efficiency products.
► GDFC operates on a business-to-business level with its network of Green Deal
Providers who are able to offer the GDFC’s finance to their customers.
► GDFC has a current loan base of over 12,500 properties and commenced financing
loans again in May 2017. The Company, which has ambitious growth plans, aims to
become the leading platform for consumers in the UK in the home energy efficiency
space.
► GDFC was originally launched in 2012 as part of an initiative introduced by the
Government to reduce its carbon emissions by 35% by 2020 through addressing the
UK’s thermally inefficient housing stock, the worst in Europe. In January 2017, the
company was acquired by Greenstone Finance, Aurium Capital Markets and
Honeycomb Investment Trust.
M&A EY Contact Details Appendix
EY Corporate Finance
► EY Corporate Finance team has an extensive successful track record in the
Financial Services sector in delivering client-led solutions.
► EY is uniquely placed to be able to offer a full suite of Corporate Finance services
across the entire capital spectrum, supporting with both debt and equity capital
raises.
► EY offers significant experience and expertise on the whole capital agenda,
including raising capital, investing capital, preserving capital and optimizing capital.
Next Steps
► We understand that GDFC are now exploring equity fund raising options.
► In order to support an equity capital raise, GDFC are keen to understand how EY
can assist with raising debt capital for the Company.
► This presentation provides an overview of how EY can assist and why EY should be
your preferred partner throughout this process, and beyond
4
Why EY?
 Introduction Why EY? Debt Advisory M&A EY Contact Details Appendix

EY Financial Services Corporate Finance

► Over 20 experienced and skilled advisors across operating across Banking and Capital Markets, Speciality Finance, Insurance, Fintech, Asset Servicing and Wealth Management
► Providing M&A and capital raising advice to corporate clients and capital providers
► The combination of M&A and Debt Advisory means we can operate across the complete capital spectrum in helping clients determine the right capital strategy, the most
appropriate capital providers to approach and how to transact with those providers on the best possible terms
► We work with clients throughout the transaction lifecycle, helping them to achieve strategic objectives across debt raises, refinancing, securitisations, acquisitions, mergers,
disposals, management buy-outs, buy-ins, initial public offerings, takeovers and strategic reviews
► Comprehensive current market knowledge and prior experience of working within capital providers, ensuring our clients’ financing decisions are made on a well informed basis
► We remain fully independent, ensuring our advice has no lending, transactional or product agenda bias

This announcement appears as a matter of record This announcement appears as a matter of record This announcement appears as a matter of record This announcement appears as a matter of record

Typical Service Offering

only. only. only. only.

Ian Cosgrove
Partner ► Capital Strategy Review
icosgrove@uk.ey.com March 2017 January 2017 January 2017 November 2016 ► Financing readiness review
Entering into a relationship with a Bridgepoint has agreed to Raising of a £90m facility for alterDomus has secured a
global institutional investment
manager to acquire bridging loan
acquire Zenith from Hg Capital funding bridging finance activity commitment of a significant
investment from global private
► Buy/Sell-side acquisition advisory
► Leads the FS Corporate Finance team assets from MTF EY acted as Securitisation EY acted as Sole Financial equity firm Permira
(including funding options of target)
Advisor to Bridgepoint Advisor and Arranger on the Debt
and has over 19 years of experience in EY acted as Sole Financial Financing EY provided sell side lead

the Financial Services industry. Focuses

Advisor on the Debt Financing advisory support and VDD
services
► Creation of applicable funding models
on Banking, Speciality Finance and ► Acquisition/Asset Backed Financing
Loan Portfolio sales ► Hedging Advisory
This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only.
► Securitisation/Rating advisory
This announcement appears as a matter of record
only.

► Refinancing
Project Summer Project Onyx
Nick Parkhouse ► Funding for dividends and cash out
Associate Partner September 2016 June 2016 June 2016 May 2016 ► Stressed refinancing/covenant
Assisted a non-bank lender in the Raising of a £10m financing Financial Advisor to a UK non- £51m facility with the British
nparkhouse@uk.ey.com development of their new buy-to- facility for a UK unsecured conforming mortgage lender business Bank to support growth renegotiations
let product for securitisation consumer lender working on structuring and issuing of leasing book
suitability
EY acted as Sole Financial
its inaugural RMBS type
securitisation (ongoing) EY acted as Sole Financial
► Assessing multiple proposals from
► Leads the FS Debt Advisory team and EY acted as Advisor on product Advisor on the Debt Financing Advisor on the Debt Financing
lenders
development EY acted as Sole Financial Advisor
has over 18 years of banking ► Loan Portfolio Sales
experience across the UK, Europe and
Australia

6
 Introduction Why EY? Debt Advisory M&A EY Contact Details Appendix

Delivering Excellence
► EY has a track record of delivering excellent outcomes for clients through our offering
► EY is able to offer a truly independent client led solution which aligns our interests and is not subject to product bias
► The below case studies provide a small insight into examples of deals where we have delivered an exceptional service

1 2
Optimising Capital
► EY acted as sole financial advisor to a
secured consumer lender on
refinancing their £52.5m facility
► EY led negotiations with existing the
existing funders, in addition to
benchmarking and sounding the deal
in the market in order to drive an
improvement in terms
► EY helped the client save over £1.5m
over the 3 year facility term, and
positioned the client for future growth
and sustainable profitability
Structuring Solutions
► EY acted as sole financial advisor to
a secured short term lender on
raising capital to grow the loan book
► Our strong relationships with funders
across the capital structure gave us
access to the right pools of liquidity
to meet the company’s financing
strategy
► This was ultimately achieved
through structuring a £125m forward
flow facility with a global investment
manager
3 4
Trusted Advisor
► EY was reappointed as sole
financial advisor to a secured and
unsecured consumer lender
► The reappointment reflects the
long term relationship we have
built with the client and offering
unrivalled insights into the market
► EY has supported the client with
two rounds of fund raising in
addition to providing strategic
advice to the board and investors
Holistic Capital Advisor
► EY is acting as sell side advisor to a
SME asset finance lender, in
addition to sole financial advisor on
arranging financing
► EY is uniquely placed to be able to
offer a joined up M&A and debt
advisory offering as part of the
Corporate Finance team
► This has allowed the client, in
conjunction with EY, to develop its
strategy based on a holistic view of
the whole capital agenda

7
 Introduction Why EY? Debt Advisory M&A EY Contact Details Appendix

Breadth of Funder Relationships

► EY has established contacts and relationships with over 140 global financial services capital providers across the market
► This includes funders who are able to provide hybrid capital and structured solutions, in addition to vanilla debt and equity solutions
► As such, we are able to develop tailored capital solutions which will ensure our client meets its strategic goals with the optimal capital structure in place
► The below illustrates the notable increase in capital providers in recent years, and is a small insight into the relationships we hold with key funders

Pre-Crisis 2010 - 2015 Now

8
 Introduction Why EY? Debt Advisory M&A EY Contact Details Appendix

Extensive Track Record

► EY’s debt advisory team has become one of the most experienced advisors in the speciality finance market

This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only.

Non-Standard Finance Project Ascot Project Ocean Project Hilton

PLC
December 2015 February 2016 March 2016 April 2016 May 2016 June 2016 June 2016
£85m Term and Revolving Credit Facility to Assisted a non-bank lender in the Financial Advisor to Private Equity firm on £17.5m Bilateral Revolving Credit Facility £51m Facility with the British Business Raising of a £10m financing facility for a Financial Advisor to a UK Challenger Bank
support the acquisition of Everyday loans development of their new buy-to-let product the acquisition of a UK speciality finance to support loan book growth Bank to support growth of leasing book UK unsecured consumer lender on the acquisition of a UK speciality
for securitisation suitability company finance company
EY acted as Sole Financial Advisor on the
EY acted as Sole Financial Advisor on the Debt Financing
EY acted as Sole Financial Advisor on the EY acted as Advisor on product EY acted as Financial Advisor Debt Financing EY acted as Sole Financial Advisor on the EY acted as Financial Advisor
Debt Financing development Debt Financing

This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only.

Project Onyx Project Egg Project Summer

June 2016
Financial Advisor to a UK non-
conforming mortgage lender working on
structuring and issuing its inaugural
RMBS type securitisation
EY acted as Sole Financial Advisor
Securitisation issuance
August 2016 September 2016 January 2017 January 2017 March 2017 April 2017
Negotiated improved terms and facility size Assisted a non-bank lender in the Bridgepoint has agreed to acquire Zenith Raising of a £90m facility for funding Entering into a relationship with a global Raising a debt facility for unsecured
increase to £55m for a UK consumer development of their new buy-to-let product from Hg Capital bridging finance activity institutional investment manager to acquire consumer lending
finance company for securitisation suitability bridging loan assets from MTF
EY acted as Securitisation Advisor to EY acted as Sole Financial Advisor and EY acted as Sole Financial Advisor on the
Bridgepoint Arranger on the Debt Financing EY acted as Sole Financial Advisor on the Debt Financing
EY acted as Sole Financial Advisor on the EY acted as Advisor on product Debt Financing
Debt Financing development

This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only. This announcement appears as a matter of record only.

April 2017 July 2017
Refinancing of and increase in facilities for Refinancing and increase of on-balance
secured consumer lending sheet funding facilities for a consumer
lender covering secured, unsecured and
EY acted as Sole Financial Advisor on the car finance lending (senior and mezzanine)
Debt Financing
EY acted as Sole Financial Advisor on the
Debt Financing
July 2017 September 2017 October 2017
Raising of a £75m off-balance sheet Refinancing of a £52.5m facility for secured Financial Advisory to Copper Street Capital
warehouse facility for a leading UK consumer lending on their acquisition of debt purchaser MMF
consumer lender (senior and mezzanine) (Motormile Finance UK Ltd)
EY acted as Sole Financial Advisor on the
EY acted as Sole Financial Advisor on the Debt Financing EY acted as Sole Financial Advisor on the
Debt Financing acquisition

9
Debt Advisory
 Introduction Why EY? Debt Advisory M&A EY Contact Details Appendix

Debt Financing Considerations

1
From our experience companies that have a clear, well thought through long-term funding
What is my long-term financing strategy achieve the most efficient growth
strategy? For example if you are seeking to securitise then it is important that your product is suitable for a rating
and you have explored investor market appetite

2
Do I have sufficient models in place to
support my financing and negotiate
efficiently with the banks?
Prior to approaching funders it is important to understand the risk present in the financing
structure you are asking for
From our experience companies are much more successful at arguing an advance rate if they can
support their ask through detailed run-off modelling

3
A rating is the first step towards market issuance and can help banks reduce the cost of funds
Should I explore the ability to rate my
(through lower risk-weighted capital) and improve their credit stance (as the options to exit in a
loan book?
downturn are increased)

4
We have seen a number of companies with underprepared data and information provision which
Does the quality of my data support can elongate the funding process and result in less efficient financing terms
the financing ask
Being well prepared will also reduce the management time required

5
Appetite from conduit funders typically begins at £100mn, but if you are able to present a well-
Should I be approaching Conduit thought through growing strategy then this will enable you to access conduit funding from
providers? £50mn, which can help lower your cost of capital (margin can be 30% lower than balance sheet
banks)

11
 Introduction Why EY? Debt Advisory M&A EY Contact Details Appendix

Available Financing Sources

Forward Flow
Private Securitisation

Conduit Placement
Syndicate
Bilateral
Block
Discounting

Dependent on
£1-5m per £10m-£75m £40m-£150m £50m-£500m £75m-£300m £150m-£1bn
balance sheet of
Blocker Single lender 4/5 lenders Investment Bank Private Investors Markets funding partner

Tenor 3 years 3 years 3 years 1-3 years 3+ years Matched Matched

Advance Rate Low Low Low/Moderate Moderate High High High

Pricing Moderate Moderate Moderate Moderate to Low Moderate to Low Low Low

Covenants Yes Yes Yes Yes Yes but limited Yes – agency driven Yes – agency driven

Current Market ► Banks continue to be ► Banks continue to be ► Banks continue to be ► Banks continue to be ► Limited recent ► Investor demand for ► Investor demand for
Conditions selective selective selective selective transactions non-RMBS issuance non-RMBS issuance
► Limited liquidity ► Limited liquidity ► Limited liquidity ► Requires visibility of ► Strong demand but ► Limited supply led ► Limited supply led
market exit or short increased caution to ABS spreads to ABS spreads
► Relationship Focused ► Relationship Focused ► Relationship Focused
tenor following recent tightening recently tightening recently
► Relationship Focused performance of ► Rating required ► Rating required
Amicus

12
 Introduction Why EY?
Debt Advisory Indicative Timetable
Preparation
Indicative
2-4 weeks
timescale
► Define process and structure
► Focus management attention
to finalise the ask
► Review management financial
forecasts
► Review of business plan
► Creation of a management
presentation to share with the
EY activities
banks
► Anticipate key areas of focus of
banks and ensure that the
business has robust answers
to the challenges
► Prepare initial bank list
► Create outline required
structure
► Minimum disruption to
management
► Experienced team will provide
structure for management
presentation to ensure a
credible story
Benefits of
► Our independent view will help
using EY
identify/mitigate key risks and
maximise terms received
► Having independent advisors
co-ordinating the process helps
drive process and creates
competitive tension
Debt Advisory
Term sheet gathering
2-4 weeks
► Review of term sheets and
comment on their market terms
and whether they support the
plan provided
► Assist management with key
messages to deliver back to
funders
► Support management in
agreeing the funders with
which to proceed to further
discussions
► Extensive knowledge of the
sector and transaction issues
► Deep knowledge of where
banks can stretch terms
► Good relationships with target
banks
► Strong independent negotiating
stills
► Consistency of key messages
► Weed out weak bids and
signals
M&A EY Contact Details
Credit
2-4 weeks
► Assist management with
packaging complete
information in bank-friendly
format
► Support/manage population of
data room and initial Q&A
process
► Lead and support interactions
with the investors
► Receive credit approved term
sheets and assist management
with selection of the final
parties
► Experience of handling banks
and managing quick processes
► Are able to help provide data in
a format that is quick for banks
to approve
► Ability to push back on
unreasonable or onerous
requests
► Minimise disruption and
management distraction
Appendix
Legals and completion
4 weeks
► Liaise with legal advisors to
ensure consistency in
commercial terms agreed
► Assist management with
review of key commercial
documents
► Deep understanding of what
banks require in legal
documents
► Project management skills,
including co-ordination of the
input of legal and other
advisors
► Experience of negotiating key
commercial terms
► Ability to anticipate and handle
issues associated with
complex deal structures
13
M&A
 Introduction Why EY? Debt Advisory M&A EY Contact Details Appendix

M&A UK Trends
UK announced transaction volume and value

Volume Value (£m)

16 4,500

14 4,000

3,500
12
3,000
10
2,500

Value (£m)
Volume

8
2,000
6
1,500
4
1,000
2 500

0 0
Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3
2015 2016 2017

Announced UK transactions by sector (12m to Sep ‘17) Announced UK transactions by type (12m to Sep ‘17)
Undisclosed; 4%
Mortgage servicer; 2%

Alternative
Finance; 17%

Investment; 40%
Commercial
Finance; 51%
Trade Sale; 55%
Consumer
Finance; 30%

Source: Capital IQ, MergerMarket and EY Calculations

Note: Transaction value only included in the top chart where publicly available. Bottom two charts are by transaction volume owing to greater data availability compared to transaction value

15
 Introduction Why EY? Debt Advisory M&A EY Contact Details Appendix

M&A Credentials
Our team has successfully delivered the following M&A transactions with challenger banks and specialist finance lenders

► Buy-side due diligence and structuring advice to a UK based challenger bank (2017)
► Sell-side corporate finance advice to a UK SME leasing business (ongoing)
► Buy-side due diligence and change of control support on a small British bank (ongoing)
► Sell-side M&A advisory to on a UK consumer finance asset (ongoing)
► Vendor due diligence on Charter Court Financial Services (2016)
► Buy-side due diligence for Lloyds Banking Group on MBNA UK (2016)
► Corporate finance advice to a UK bank on its potential acquisition of Omni Capital Retail Finance Ltd (2016)
► Corporate finance advice to a PE investor on its potential acquisition of Liberty Leasing plc (2016)
► Buy-side due diligence advice to a UK bank on Liberty Leasing plc (2016)
► Buy-side due diligence for a UK bank on Five Arrows Leasing group (2016)
► Corporate finance advice on debt financing for loansathome4u (2016)
► Corporate finance advice on debt financing for a UK consumer finance company (2016)
► Pre-acquisition debt advisory and buy-side due diligence for a major European PE house on a leading UK bridge lender (2016)
► Corporate finance advice on debt financing for Non-Standard Finance plc (2015)
► Buy-side due diligence for a confidential bank on the proposed acquisition of Nemo Personal Finance (2015)
► Buy-side due diligence for a confidential client on a proposed acquisition of Capital Home Loans (2015)
► Buy-side due diligence for Blackstone, TPG/Carval on their acquisition of GE Capital’s UK home loan portfolio (2015)
► Buy-side due diligence for Lone Star in relation to the proposed acquisition of PTSB (2015)
► Buy-side due diligence for Cinven on the acquisition of Premium Credit Limited (2015)
► Buy-side due diligence for a confidential PE house on its potential investment in United Trust Bank (2015)

16
 Introduction Why EY?
M&A Indicative Timetable
Preparation
Indicative
4-6 weeks
timescale
► Kick-off meeting
► Provision of data to advisors
► Define process and structure
► Prepare Information
Memorandum
► Prepare Management
EY activities Presentation to PE investors
► Prepare marketing document
to debt funders
► Reach out to selected
investors on a no names basis
► Negotiate NDAs with the
investors
► Understand the opportunity
and value from the buyers’
perspective
► Insights into bidders, their
senior decision-makers,
backers and providers of
Benefits of
funding
using EY
► Tried and tested tools and
materials, and precedent of
producing high-quality sales
documentation
Debt Advisory
Negotiations
4 weeks
► Circulate Round 1 process
letter and Information
Memorandum
► Respond to preliminary Q&A
► Contact potential debt funders
on a no names basis
► Define debt raise process
► Share information with
potential debt funders
► Finalise dataroom and VDD
► Management meetings with
selected potential investors
► Prepare Round 2 process letter
► Prepare draft legal contracts
► Offer analysis, selection of
preferred bidders
► Understanding of private equity
approach and investment
criteria
► Experience of handling bidders
and emphasising key sale
messages
► Experience of coaching
management teams for
delivering management
presentations in a sale process
► Ability to push back on
unreasonable or onerous
requests
M&A EY Contact Details
Due diligence
4 weeks
► Receive term sheets from
potential debt funders
► Receive non-binding indicative
offers
► Circulate VDD to bidders and
provide access to the dataroom
► Determine preferred debt
funding structure
► Bidder and funder due
diligence and detailed Q&A
► Expert sessions with potential
investors and debt funders to
facilitate their due diligence
► Receive revised offers and
marked-up legal agreements,
analyse, & select preferred
party
► Extensive knowledge of the
sector, potential transaction
issues and valuation drivers
► Deep understanding of what
bidders and debt providers
require throughout diligence
► Project management skills,
including co-ordination of the
input of legal and other
advisors
Appendix
Final negotiations
4-6 weeks
► Final confirmatory due
diligence by the preferred
investor
► Negotiations to close with
selected preferred investor
► Final due diligence with the
selected debt funding
partner(s)
► Negotiations to close with
selected debt funding
partner(s)
► Shareholder approvals
► Sign legal agreements
► Client and employee
communications
► Ability to anticipate and handle
issues associated with the
negotiation of contracts
► Commercial/financial input to
ensure the legal agreements
accurately reflect the
agreement between the parties
17
EY Contact Details
 Introduction Why EY? Debt Advisory M&A EY Contact Details Appendix

EY Contact Details
Ian Cosgrove Nick Parkhouse
Partner Associate Partner
Tel: + 44 20 7951 1094 Tel + 44 20 7197 7658
Email: icosgrove@uk.ey.com Email: nparkhouse@uk.ey.com

Background
► Ian is a Partner in EMEIA Financial Services and lead of the UK mergers and
acquisitions team.
► Ian has over 19 years experience working in the Financial Services sector in
corporate finance, audit and accounting roles in Ireland, Australia, UK and the United
States.
Recent professional experience
► Ian acted in an advisory role on the following deals:
► A financial investor on the sale of a £150mn unsecured NPL portfolio (ongoing)
► A UK bank on the sale of a sub-prime mortgage portfolio (ongoing)
► Heritable Bank on the sale of its mortgage portfolio to Oaktree
► A financial investor on the sale of a sub-prime mortgage portfolio to a UK bank
► Lloyds Banking Group on its unsecured debt sale programme in the UK
► Cattles Group on the sale of Shopacheck Financial Services to Morses Club
► GE Capital on the sale of its Latvian business to Citadele and Marginalen
Background
► Nick is an Associate Partner in our Financial Services Corporate Finance team and
leads the Financial Services Debt Advisory team. Nick joined EY in 2015 from RBS.
► Nick has over 18 years banking experience much of which as a structured finance
professional in the Financial Services markets executing transactions across UK,
Europe and Australia.
Recent professional experience
► His recent engagements include:
► Led a structured finance team at RBS responsible for executing a number of
transactions in the UK speciality finance market
► Structured a £70mn syndicate for a UK bridge finance company which included
the first UK asset manager entering a syndicate within the sector.
► Funded a UK start up in the secured loans market with an initial £20mn revolving
credit facility
► £25mn loan to a UK SME asset financer to refinance their existing financing and
support their continued growth

► Cattles Group plc on the sale of its debt purchase business, The Lewis Group, to
► Developed an innovative standby servicing structure with Capita Mortgage
Hoist Kredit Servicing

► Equidebt on the sale of its bought debt portfolio to Cabot Credit Management
► Arranged a £50mn revolving credit facility for significant UK secured loan provider

► Royal Bank of Scotland on the sale of its retail banking assets to UniCredit Tiriac
► His previous experience includes:
Bank ► Provision of pre-securitisation warehouse lines in UK, Scandinavia and Australia
► A financial investor on the secondary sale of a residential mortgage portfolio across

► The shareholders of Robinson Way on the sale of the business to Hoist Kredit
► Structuring and execution of post securitisation facilities including liquidity
facilities, IO loans, excess spread loans, etc.
► Lloyds Banking Group on the sale of its Uruguayan banking operations to Banque
Heritage

19
 Introduction Why EY? Debt Advisory M&A EY Contact Details Appendix

EY Contact Details
Jordan Blakesley Taylor Gwilliam
Senior Manager Manager
Tel + 44 20 7197 7517 Tel + 44 20 7951 6715
Email: jblakesley@uk.ey.com Email: taylor.gwilliam@uk.ey.com

Background
► Jordan joined EY in October 2015 from RBS where he was an Associate Director in
the Structured Finance team.
► Jordan has over six years of experience in banking, the majority of this has been
spent lending or advising into the Speciality Finance Sector.
Recent professional experience
► Jordan’s recent engagements include:
► Advising 1st Stop Group on the completion of a new £75mn securitisation facility
(from Citi) alongside increased balance sheet funding their existing funders to
grow their originations within secured lending, car finance, personal loans and
home improvement products.
► Arranging a £125mn forward flow funding facility for Bridging lender MT Finance,
from a global institutional investment manager.
► Advising the Darwin Group on improved funding facilities exceeding £75mn
including the introduction of two new funding partners to the group.
► Buy-side advice to a UK challenger bank seeking to acquire an asset within the
Asset Finance market
► Buy-side advice to a PE House seeking to acquire an asset within the Bridging
Finance market
► Assisting Cabot Square Capital LLP with the raising of finance for leasing
company Henry Howard
► Advising Non-Standard Finance Plc. on a debt structure to support their
acquisition of the Everyday Loans Group from Secure Trust Bank plc
Background
► Taylor is a Manager in our Financial Services Corporate Finance team. He joined in
June 2017 from RBS where he was most recently an Associate Director in the
Financial Institutions team.
► Taylor has over four years of experience in banking across Financial Services, with
a focus on the Speciality Finance and Insurance sectors.
Recent professional experience
► His previous experience includes:
► Managing relationships with FTSE 250 and sponsor-owned corporates, with a
focus on risk and transaction management.
► Execution and management of several transactions in the Speciality Finance
sector, including secured loans, unsecured loans and bridging loans.
► Execution and management of several transactions in the Insurance sector,
including brokers, underwriters and run-off.
► Experience spans management and execution of bi-lateral and syndicated
corporate loan facilities, plus rated and unrated pre-securitisation warehouse
facilities.
► Experienced at performing financial analysis, market analysis and credit analysis
as part of the provision of financing and risk solutions to clients.
► Development of risk management strategies and identifying emerging risk trends.

20
EY | Assurance | Tax | Transactions | Advisory

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