I undertook a degree in Microbiology at London University. I then worked in the property industry and qualified as a Chartered Surveyor. That enabled me to join US bank Manufacturers Hanover (later called Chemical bank and now J P Morgan) as in-house surveyor on the property lending team. I also was required to become a banker. We developed the bank into a leading and innovative lender to the UK property sector. As well as property lending I was also involved in corporate restructuring, corporate acquisition and financial engineering.
When Chemical Bank, in 1994, no longer wanted to lend to the property sector, Bank of Ireland appointed me as Head of Property Lending and group property advisor. Bank of Ireland also became a major lender to the UK property sector.
In 2006 I joined the Strategic Development section of Clydesdale Bank and headed up property training, leaving in April 2009.
In 2008 I joined University of Westminster.
My research is centred firstly on property lending and how it fits in banking in general. Secondly the research extends to the property industry itself and particularly the valuation methodology and risk analysis for commercial property.