Graham Hull

Joined Handelsbanken in 2004 to build a portfolio of clients sufficient to achieve a 40% cost : income ratio at local Branch level. Achieved well ahead of expected timescale. Blank sheet of paper start e.g. No customers, no income and we needed to find premises. So I know the enjoyment/challenges this brings. Now manage a mature portfolio of customers with total core debt in the £80-100m range (has been higher on occasion). This is a sensible size that can still be managed pro-actively. Portfolio profit around £1.7m pa before branch costs (gross income near £3m pa). No credit losses throughout entire career. Significant OMB (especially re shareholder succession challenges) and property lending experience. Key to success: Being there when needed. Good at building strong long-term relationships and understanding/delivering complex transactions on time. Capable of, and actively providing, long-term strategic input as well as personal advice on asset purchases.