Biography Born in Maldon, Essex but moved to Norfolk aged 8 (now fluent in Norfolk) Left school at 16 to start my career. My company, Credo Asset Finance was formed in 2005, working from home office initially, and we started our “own book” finance company, Credo Capital Finance Ltd in 2010.
Specialist Area Car, Construction, Engineering and Agriculture finance
Work History Trained as an accountant and latterly as a bookkeeper. Career developed working for Mercantile Credit, NWS Bank, CitiCapital, Commercial Finance Sales, Contract Hire Specialist, Branch Manager and Area Manager. Worked for Asset 91 as FD
Hobbies Choral singing, golf, walking, travel
Fun Fact Half Swedish Speak near fluent French Was in a punk band called The Bigger than Average Armpits as a teenager. Auditioned (and failed at first hurdle) for X Factor
Biography Born in Beckenham but moved to Norfolk aged 4 (still not classed as local yet !) Left Sports College at 20 and worked for a local sail maker in Wroxham before joining Bank Of Scotland (BOS) aged 24. Left BOS in 2008 after the bank stopped lending and formed my own company consulting with new funders wanting to enter the ‘Asset Finance’ sector. Worked with Simon from 2012 to grow the Credo ‘own book’ before investing in Credo Holdings in 2014.
Specialist Area Car, Construction, Haulage, Manufacturing, Engineering, Marine, Renewable and own book finance
Work History 22 years management experience. Ian is a strong and dynamic leader. Having spent 11 years with the bank of Scotland in a variety of management roles, the most recent was as Sales Director with the Bank of Scotland Equipment Finance (BOSEF broker divsion)
Hobbies Sailing - racing sail boats to International level – Golf, skiing and love watching Norwich City
Fun Fact I have a twin sister
Biography Born and bred in Norwich, I married my wife Lynne almost 30 years ago, we have 2 grown up children. I have always been a keen sportsman, having played Football, Cricket and Tennis in my younger days. As the years caught up with me I turned my attention to golf, representing Eaton Golf Club in County Competitions. I enjoy relaxing with family and friends whilst sampling a large glass of wine.
Specialist Area Accounts, auditing and admin systems
Work History I worked in the motor trade as a Data Input Clerk with Mann Egerton. Then into the world of insurance with CIS Ltd, as a District Auditor. I was Area Sales Manager for HSS Tool Hire before joining Credo in 2009. I am now Director of Credo Capital Finance
Hobbies I am a keen golfer and a member of Eaton Golf Club, playing to a reasonable single figure handicap. I am also Chairman of my local football club, Poringland Wanderers FC
Fun Fact I am a jack of all sports, but a master of none!
Biography London born and bred, moved to East Anglia in 1974. In the late 90’s relocated to Birmingham and York for work reasons - returning to live in Norwich in 2001. Very keen sportsman and (in my youth) involved in many sports including Football, Squash, Volleyball and swimming. After dealing with Credo for many years as one of their funders joined Credo team in 2016.
Specialist Area Motor finance
Work History Initially started work with Lloyds Bank but quickly realised not cut out for Banking. Moved into the finance sector in 1979. Career developed working for Mercantile Credit, Chartered Trust, Wagon Finance, First National and Close Brothers Motor Finance.
Hobbies Golf, Cycling and Photography
Fun Fact I used to live in the maisonette below Pete Shelley who had a hit record with ‘love me love my dog’ and wrote some Alvin Stardust best known hits.
The Sales Team
Business Development Manager
Biography Tested the waters of university and of Restaurant Management before landing in the office at Credo in the middle of 2016.
Work History Head boy at North Walsham High lead to Paston College before a venture into London for a year at University of Westminster. Returned to Norfolk to be trainee manager, at the Recruiting Sergeant & then managed The Ship Inn in South Walsham in early 2016.
Hobbies Struggle around the football pitch at the weekend, often after eating out far too much the rest of the week!
Fun Fact Is building a vinyl collection at home - new & old records, albums & singles! Ranging from Led Zeppelin to Tame Impala!
Business Development Manager
Biography Born in Colchester and still live in the area. Married to Cheryl with 2 children Bradley and Emily. I have spent all of my life in banking and finance.
Specialist Area Motor Finance.
Work History Started work at TSB Bank before moving into the world of personal and then car finance and I joined the team at Credo in February 2017.
Hobbies My love of sport means I run (2 half marathons completed), play squash and golf and follow Ipswich Town closely (although more of an armchair football fan these days)
Fun Fact Affectionately known by some as 'Bobby' as they think I bear a resemblance to Bobby Davro!
Business Development Manager
Biography Born in Norwich, lived in Norfolk all my life apart from a short couple of spells in North Spain where I worked as a holiday rep after studying travel & tourism. I have 2 gorgeous sons who make me smile daily and a dog. I am a people person, love to chat and smile.
Specialist Area Car and commercial vehicle finance.
Work History I have 15 years experience in Vehicle and asset finance and was running my own small brokerage for 5 years before joining the credo team.
Hobbies Card making & Crafts, Walking, shopping, socialising & trying to keep fit!
Fun Fact I passed out giving my first blood donation but persevered and I have now given over 20 times
Business Development Manager
Biography Raised in a little village just outside North Walsham, I attended all levels of education in surrounding villages and in the town before progressing my education further at Reepham College.
Work History I’ve always worked in customer service. I began working at a large retail store in 2013 and managed to work my way up to managerial level before joining Credo late in 2017.
Hobbies I love playing most sports and attending the gym. My main sport is cricket, which I play at a high standard. I’m also partial to a Gin & Tonic, good food and traveling.
Fun Fact I have a distant relative who was a famous painter. Safe to say it doesn’t run in the family.
Biography Born in Shipdham, Norfolk and lived in Norfolk ever since. Educated in North Walsham, left to work in Midland Bank (now HSBC, showing my age) Worked there for 7 years before having children.
Specialist Area Sales and Administration
Work History Worked at Midland for 7 years, then waitressed at a Hotel. When my children went to school I worked in an Estate Agents as a negotiator for 7 years, then moved to N&P for 15 years where I have been a Consultant, Manager and Mortgage Advisor(Cemap)
Hobbies Gardening, Walking, Travelling, Love spending time with my family.
Fun Fact When waitressing at the Hotel I shut the door of the Dining Room, pulling the handle off as I did it, leaving 20 people locked in with their food !!!
Biography Born and bred in Norfolk. Married with two grown-up children. Having started out in car finance I have come full circle and am back doing this after having various jobs and raising my family.
Work History Started at NVWC then progressed onto car finance at General Guarantee then Mercantile Credit. After redundancy, I moved onto Norwich Union, then to Royal Bank Of Scotland where I worked as a Mortgage Adviser after obtaining my CeMap qualifications.
Hobbies Going to the Gym and classes, shopping, meeting friends usually for coffee and cake (or something stronger!)
Fun Fact My mid-life crisis saw me buying a motorbike having wanted to get back on one since I passed my test at 17, and I crashed it on the way home writing off the bike. I have kept to four wheels ever since.
Biography Born in Norwich and raised in a small town called North Walsham. Studied Sport at North Walsham high School and continued my involvement in sport working for Norwich City Community Sports Foundation at 16.
Work History Employed as an apprentice at Norwich City Community Sports Foundation for 2 years, to then progress into a Sports Coach Role. My final year there was spent as Girls Football Development Officer.
Hobbies Being a football fanatic all my life, I spend my weekends playing football for Sheringham Football Club and also love a good game of bowling with a PB of 216 may I add!
Fun Fact Was crowned Centre Parcs Football Keepy Uppy Champion with a total of 142 Keepy Uppys in 1 Minute!
Biography Born and bred in Norfolk, I attended all levels of education, passing through Aylsham High School and then on to Paston Sixth Form College, where I studied for my A-Levels.
Work History Balanced part-time waiting and bar work at The Skeyton Goat Inn with school and then college until I finished education, then went on to work full-time and became assistant manager. Moved on to Barclays Bank at the end of 2016 and worked there for 2 years, before joining Credo in January 2019.
Hobbies Watching copious amounts of and attempting to play a little football (5-a-side). I will watch just about any sport going and I love visiting new places and countries.
Fun Fact I have been drawn (at random) to be a NCFC mascot on two occasions, vs Stoke in 2008 and vs QPR in 2011. I was only a lucky mascot for one of those games!
Biography Born in Dewsbury, West Yorkshire and still live in the Wakefield area. Been married to Diane for thirty one years and have two grown-up children, and our first grandchild arrived in July 2018! After a gap of several decades I started playing cricket again about three years ago, and also enjoy a game of tennis.
Work History Started out selling commercial vehicles for around four years before moving into HGV and trailer rental and leasing for many, many years! After a time as a Dealer Manager with BNP Paribas, I moved into broking around three years ago
Hobbies Spending time with my family, a game of tennis, reading and travelling.
Fun Fact I stood for parliament in 2015!
Biography Born in Worcester but moved to Norwich in the 1970’s and although my 35year banking and finance career has taken me to various locations throughout the UK I have always gravitated back to Norfolk. Married to Maria with two Children Sam (21) and Lauren (18)
Specialist Area Commercial Finance and Business Banking.
Work History My 35-year Banking career has involved working for three main high street banks of Nat West, Barclays and RBS – This included 9 years working within Nat West as a Senior Financial Adviser – Joined Credo in September 2018.
Hobbies Sport dominates my spare time – As a youngster, I was a promising Cricketer and Golfer, however, illness and injury put a stop to any aspirations I had. I am now left mainly watching sport, including my Children who play Hockey at a reasonably advanced standard – I also enjoy watching football especially Norwich City and can often be found travelling to watch my European team Benfica. I also have a keen interest in Property and have recently completed the purchase of my first property abroad.
Fun Fact As a young Clerk in 1984 in I was christened ‘Reggie’ by the messenger at Nat West London Street (I will not explain why!!!!) – and this nickname has travelled with me throughout my Career – It was even passed on to Credo this year when I joined in 2018.
Biography Born and educated in Whiston, Merseyside. Joined Lloyds Bank in July 1977, at City Office, Water Street, Liverpool before relocating to Norfolk, in the summer of 1983. Extensive experience of client engagement, helping clients maintain or grow their enterprises through traditional financial solutions, often delivered through creative thinking. Married with 2 school aged children, both of whom share my passion for sport and the great outdoors.
Specialist Area Agriculture, Horticulture, Equine & Renewable Energy
Work History Over 4 decades of Banking & Finance experience, having worked exclusively for Lloyds Bank in SME/Commercial Banking and, for past 15 years, specifically in the Agricultural Sector, building relationships and supporting farming clients in Norfolk, Suffolk & North Essex.
Hobbies Anything with a ball that can be hit, kicked, smashed or thrown. Especially partial to golf and cricket, with my spare time now mainly devoted to coaching youth cricket.
Fun Fact Speak in a quiet Lancastrian dialect but, push me hard, the scouse undertones will shine through.
Biography Born in Canterbury, lived in a small town called Hernbay I studied Business and development at Canterbury college before moving to Norwich in 2017.
Work History Joined Credo in March 2019, before I worked for a motor factors as an apprentice in Kent before moving to Norwich in 2017, where I first had a job as a trainee administrator before moving to Mercedes-Benz in early 2018.
Hobbies I enjoy multiple motorsports including Go-Karting and Motocross, I also enjoy skiing where I have been to such places as Austria and Italy.
Fun Fact When I was younger I used to participate in ten pin bowling on a competitive level.
Biography Born in Reading, lived in Surrey, Dorset, Wales and Hereford, now settled in Norfolk for the last 27 years.
Specialist Area Finance, Sales and Customer Service
Work History After leaving Catering College, I worked in and managed hotels for 18 years. After working in a financial call centre I decide to take my FPC and CeMAP exams and became a Mortgage Advisor in a Large Estate agency. I then opened the first Branch of Northern Rock Bank in Norwich and managed it for 9 years, which turned out to be a roller coaster ride but I loved it. I then went back into Estate agency in my local town for 4 years.
Hobbies Ceroc dancing, walking my energetic Collies, gardening and lots of holidays abroad.
Fun Fact On our honeymoon we escaped Hurricane George by ½ hour, just one of the many dramas on our travels!
Biography Born and raised in Norfolk, attending Langley school through to A-Levels and spending time abroad in New Zealand working for a Façade Company. Currently studying for a diploma in Asset finance.
Work History After leaving School I worked for a Façade Company in New Zealand, Upon return I worked as a Sales Advisor for a Honda Dealership on the east coast for 2 years.
Hobbies Road cycling is my main hobby cycling most weekends and during the week when I can. I also enjoy spending time with my girlfriend and going to the cinema.
Fun Fact Been swimming in the Blue Lagoon hot springs in Reykjavik, Iceland.
The Administration & Marketing Team
Credo Capital Administrator
Biography I am originally from the Czech Republic and moved to the UK to study. I have recently finished my degree and decided to settle down in Norfolk.
Specialist Area Payouts and Administration
Work History I had various part time jobs while at college and uni, mostly within retail and hospitality business, i.e providing catering services for weddings and serving in VIP boxes at concerts- the bonus was seeing Ed Sheeran and Paloma Faith for free!
Hobbies I enjoy cooking and baking (and eating!). Love travelling apart from having to get on a plane every time I want to see my family. I have done sky diving a few years ago and would love to try paragliding next.
Fun Fact I lived in Cardiff for a few months and soon realised I had to change my name to Barbara as Bara means 'bread' in Welsh! So instead I was made fun of for having an old lady name! (Mind you, I now have a bread box with my name on it!)
Biography Lived in Norfolk pretty much all my life, escaping for a short stint in Oxfordshire, but lured back in 2002 where I live in the countryside with my husband, 4 children and a cuddly (nice word for overweight) Labrador. I am very community minded and love to do things that bring the local community together. I often take part in charity events and always stand by my 15 year old daughter’s saying ‘walk in with a smile and you will be guaranteed to walk out with one’.
Specialist Area Marketing
Work History I started my career as a travel agent as I always wanted to travel, but with the onset of children that was put on hold. So wanting to work near to home, and still do something where I felt was making a difference, I took on the role of Parish Clerk and was proud with what I achieved in the 9 years I served. I then fulfilled an ambition by launching my own glossy magazine ‘Speak Up!’, delivered door to door in over 30 local villages sharing news and stories to bring communities together. This gave me my passion for marketing, and luckily enough Credo were keen to employ someone to do their marketing so I chose the big city instead and have been there ever since!
Hobbies I am a keen sportswoman, playing badminton since I was 8 years old, playing for Norfolk and now a badminton coach. I took up running in 2015 and have gained so much more confidence in my abilities, completing my first 10 mile race in 2017.
Fun Fact I’ve held the mum’s race record at my local Primary School for the last 10 years!
Biography Born in Czech Republic, spent 4 years in London and recently moved to Norwich to settle down.
Specialist Area Administration & Data Entry
Work History Worked as administrator for two training provider companies, looked after trainee-ships & apprenticeships. I also worked in a bar, shop, fast food chain and as a customer service support.
Hobbies Going to the gym, even though it is a love and hate relationship. Big fan of watching films/series..and last but not least travelling!
Fun Fact When I was 19 I lived in a caravan without electricity, gas, water and worked on a farm in Worcester for 5 months. It was fun, but definitely taught me to appreciate the basics!
Biography I was born in Cambridgeshire and lived in a small town near Peterborough until I was 12 when I moved to Norfolk with my mum.
Work History My varied work history includes being a Box Office Assistant at the Theatre Royal, a Contract Guide at a local energy broker, and also work in GIS and property management.
Hobbies I LOVE to travel, and am a bit of a foodie. When combined I’m in heaven!
Fun Fact I love to enter competitions and in the past year me and my husband have won 3 holidays between us.
Payouts & Sales Administration
Biography Born in Bury St Edmunds & grown up in a little village just outside of Diss. In 2014 I returned to Bury to complete my Business Diploma at West Suffolk College.
Specialist Area Payouts & Administration
Work History After my 2 years at college and successfully completing my Business Diploma, my first job was in retail before moving into a receptionist role. I joined the Credo family in July 2018.
Hobbies I love cooking and baking (not quite on Masterchef level), spending time with family and eating out. I also love to read about interior design and fashion!
Fun Fact I have a secret love for a sport that no one knows about!
Biography Born and raised in Glasgow, I moved to Norwich with my young family in 2003. I have worked in Finance and Administration since leaving school.
Specialist Area Finance and Administration
Work History My first job after leaving school was in the accounts department for a Nissan Dealership, I then continued in the motor trade for many years, working in various franchises. After I had my first son I went to work in retail finance and since moving to Norwich I have worked for both Medical and Construction companies.
Hobbies I like nothing better than to be outside walking my dogs and taking photos of whatever I see on my travels and running (slowly)!
Fun Fact I have lived in Norfolk for so long now, I can correctly pronounce Wymondham, Happisburgh and Tacolneston!