Our Loans

Carolyn is Director of Lending at Charity Bank. She joined Charity Bank in 2005 having previously worked for a European Bank in the city, where she established and managed their social housing loan book, growing it to over £1bn. Carolyn is a trustee of two Almshouses and a Director of Almshouse Consortium Ltd. She is Chair of Postcode Lottery Innovation Trust as well Maidstone Grammar School for Girls Development Trust.

“I love working for Charity Bank in a frontline role. I spend my time meeting and talking with people, trying to help them with their funding needs and witnessing the social impact delivered.”

Nathan joined Charity Bank in 2024, bringing with him 18 years of experience in commercial banking, people leadership and channel strategy.  Throughout his career, he has worked in business development roles, with seven years as a specialist to the Charity, Education & Social Enterprise market. Nathan has also served in a non-executive capacity in the Charity sector for the past 15 years, providing him with deep insights into the challenges faced by the organisations we serve at Charity Bank.

Nathan is married with two children and enjoys outdoor activities such as walking, cycling, and spending time on the family allotment. He also values investing time in his faith, family, and friends.

“Charity Bank’s aim is to become the lender of choice for socially minded organisations, and I’m delighted to be playing my part in this.  I have recently joined to oversee regional Relationship Managers in Impact Lending, who work with clients to structure and onboard our larger loans, significantly enhancing our Balance Sheet through a proactive solutions-led approach.

Additionally, I lead the teams that manage the banks lending journeys, from onboarding to completion, and those that provide portfolio management for our existing clients. My colleagues and I are dedicated to delivering an exceptional client experience for organisations borrowing from Charity Bank.”

“My role is to support the Head of Small Social Lending to grow Charity Bank’s lending book through the sourcing and conversion of investment opportunities within the Third Sector – deliberately reaching organisations and communities that have historically been underserved and underfunded and prioritise those organisations that are serving the most vulnerable.

On a personal level I am passionate about helping people and I participate in all manner of charitable activities from fund raising to volunteering at food banks and homeless shelters. I am delighted and excited to be part of Charity Bank and transfer my years of banking experience to support non-profits to maintain, deliver and grow their operations in order to achieve their social mission and goals.”

Marti joined Charity Bank in March 2023 and has over 15 years retail and commercial banking experience, previously working at HSBC, Unity Trust and Nationwide. Outside work Marti enjoys spending time with family and long walks with her dog Penny. And when spare time allows, she enjoys upcycling furniture.

“My team focuses on providing investment to smaller charities and social enterprise delivering positive social impact in the UK. We manage all Charity Bank investments under £750,000, including our innovative programs which provide grants and other support. We passionately believe that smaller localized organizations can provide the most impactful solutions to social issues. It is a pleasure to work in a team focused on helping charities and social enterprises delivery their plans.”

Daniel has worked in the social investment space for over 15 years. He joined the bank in 2021, having previously been deputy-CEO at a leading UK Social Investor. Daniel was the former non-executive director for London Community Land Trust and EJAF Social Impact CIC (part of the wider Elton John Aids Foundation), as well as founder of the East Wick Growth Fund, a local level social investment program.

Bernie joined the bank in 2017, bringing with her a wealth of experience from her previous roles. Before this, she spent a decade at Ulster Bank and also worked at PwC, which laid the foundation for her career. Throughout Bernie’s career, she’s had the privilege of working with a diverse customer base across Northern Ireland and mainland UK. Her clients have included faith-based organisations, housing associations, specialist care organisations, and homeless charities.

“I love Charity Bank and all that we represent – The impact of the loans we provide is immense. The charities and organisations we support are changing the lives of so many people.”

Denise has 35 years experience in Commercial Banking, having started her banking career at NatWest on a Management Development programme. She joined Charity bank in January 2023 and feels privileged to have worked in the Not-For-Profit sector for 15 years as a Banking specialist. Denise has worked with a range of Charities, Social Enterprises, Community Interest Companies as well as professionals within the sector throughout my career.

“Charity Bank is a bank for the sector, owned by the Sector, and it really does make a difference to the organisations who seek funding to fulfil their mission. As an ethical lending manager, I’m passionate about working with these organisations, spending time to understand their operational and financial models and risk assessing if loan funding is right for them. I will additionally provide support to the organisations throughout the process. I also enjoy taking part in sector events across the North region as well.”

Jeremy joined Charity Bank in 2011. His role is to work with clients, helping them to evaluate the risks associated with loan finance, providing guidance and support throughout the loan application process and on an ongoing basis thereafter.

“During my time working at Charity Bank I have helped clients access in excess of £100m in Social Finance. It has been incredibly rewarding to see how this additional funding has helped them grow impact, income and support long term sustainability.”

Mark is one of the Lending Managers at Charity Bank, mainly working with organisations that are looking to borrow up to £750,000. He supports organisations through the initial credit process and continues to work with them through legal documentation and completion.

He has over 35 years experience within the banking sector, the past 20 years of which have been specialising in the charity sector.

“I am always inspired by the work undertaken by the organisations that we support. I love having the opportunity to meet with our borrowers to see first-hand the essential contribution the wide variety of organisations we work with make to society.”

Kirsty Joined Charity Bank in January 2025, bringing over a decade of experience in commercial and real estate banking, previous working at Octopus Real Estate, Aldermore Bank and HSBC.

Kirsty acts as the main point of contact for both introducers and clients throughout the West Midlands that are looking to deliver social impact through growth and raising the profile of Charity Bank. Additionally, Kirsty provides guidance and support throughout the loan application process and, on an ongoing basis thereafter.

Outside of work Kirsty plays hockey for Cannock Hockey Club where she is a valued member of the team. She also enjoys other activities such as golf, cycling and long walks with her partner and two cocker spaniels.

With over 20 years commercial lending experience, Adam has worked in the Ethical Banking sector for over 15 of those years. He specialises in Property Development and Syndicated Finance as well as our larger and more complex loans.

“Working with Charity Bank allows me to use my skills and experience to help our borrower deliver positive social impact and real social change.”

David joined Charity Bank in 2020, but his association with the Bank goes back to it’s formative years when he formed a strong working relationship with it as part of the NatWest Charities Team in London. He is now delighted to be part of the Impact Lending Team helping organisations to fulfil their mission.

David’s role is to navigate our borrowers through their loan journey acting as their main point of contact from gathering of information, right through to getting the loan finance they require put in place.

“The best part of my role is meeting our customers and seeing first hand the impact they create in their particular area. Nothing beats seeing an organisation delivering meaningful social impact.”

Mitchell joined Charity Bank in 2026 as a Senior Impact Relationship Manager, bringing 15 years’ experience across retail and commercial banking. For the last 5 years, he specialised in Property Development Finance, helping to fund the delivery of new homes across the UK.

At Charity Bank, Mitchell specialises in lending across housing, supported living, and residential care. He works closely with organisations to develop new assets and refinance existing ones, enabling them to deliver their mission and create lasting social impact.

“I’m proud to have joined an organisation where finance is used as a force for good. Having spent my career in retail and commercial banking, I feel incredibly privileged to have the opportunity to support organisations whose work changes lives and strengthens communities. That’s what makes this role so rewarding.”

Outside of work, Mitchell spends most of his time with his wife, their young son, and Boston Terrier, Loki, and is looking forward to welcoming another little boy due in the autumn of 2026. Alongside his career in banking, Mitchell represented England in karate, competing around the world and winning both World and European titles. These days, with family life keeping him busy, Mitchell enjoys staying active through the gym, and starts most mornings with an ice bath as part of his health, fitness, and recovery routine.

Emma joined Charity Bank after a rewarding career spanning almost 40 years in banking, during which she has worked in a variety of roles supporting organisations across the UK. Before joining Charity Bank, she spent 21 years at Co-operative Bank, helping commercial organisations, charities and community-focused businesses access the funding they needed to grow, develop and deliver on their ambitions.

Throughout her career, Emma has had the pleasure of working with an incredibly diverse range of customers, including housing associations, charities, faith organisations, care providers, homelessness charities and many other not-for-profit organisations. Building strong relationships and understanding what matters most to her clients has always been at the heart of her approach.

“I feel incredibly fortunate to be part of Charity Bank and to spend every day working alongside organisations that create such a positive impact in their communities. Seeing first-hand how the right funding can help an organisation achieve its goals and make a real difference to people’s lives is both inspiring and rewarding.

What stands out most about Charity Bank is the genuine commitment of everyone who works here. There is a real passion for supporting organisations to succeed, even when others may find reasons to say no. We take the time to understand each organisation’s story, challenges and ambitions, and work together to find solutions.

As a smaller bank, there is also a wonderful sense of community. Colleagues know and support one another, and that warmth extends to the way we work with our customers and partners. It’s a culture built on relationships, shared values and a genuine desire to make a positive difference, which is something I am proud to be part of.”