Stephen Henman

Stephen Henman

Chief Lending Officer

About Stephen

Stephen leads on all aspects of lending including the deployment of the loan book, the performance, profitability and level of credit risk associated with it and the service provided to our borrowers.

He brings more than 15 years’ experience within the retail banking sector, initially at Lloyds Banking Group, in both credit and relationship management roles, then at Santander where, as SME Relationship Director, he was accountable for managing a portfolio of SME customers in the North East. He was Head of Commercial Underwriting and latterly Head of Business Banking Strategy for Atom Bank, where he focused on SME customers, overseeing the design, start-up and growth to £150 million of a low risk lending book.

Stephen holds an HND in Software Engineering from Sheffield Hallam University and a Diploma in Business Banking from the London Institute of Banking and Finance (formerly the IFS).