Roy has 35 years' experience in corporate banking, Risk, Credit and Portfolio Management and has held a senior position at RBS as Head of Structured Asset Finance and led a major strategy of asset sell down. Roy began his career with Lloyds Bank at the age of 18 before moving into merchant banking at Hill Samuel and was instrumental in the development of their branch network. Roy has extensive knowledge of managing businesses and ran his own consultancy business for three years advising on corporate recovery and restructuring. He is also experienced in commercial and residential property developments throughout the UK. Roy is the manager of Folk2Folk's Midsomer Norton branch.