Contact

[email protected]
Tom Hale
Structured Finance Associate, Capital Markets, Lloyds Banking
www.linkedin.com/in/tom-hale Group
(LinkedIn) London, England, United Kingdom

Top Skills Experience

Securities
Derivatives Lloyds Bank Corporate & Institutional
Financial Regulation 2 years 10 months

Associate, Structured Finance, Capital Markets, Lloyds Bank Corporate

Languages Markets
August 2023 - Present (11 months)
French (Limited Working)
London
English (Native or Bilingual)
- Consumer ABS origination and structuring

Certifications - In 2023, Lloyds finished number 1 in the GBP Structured Finance league

NASBA Financial Modelling table, supporting 23 issuances with ~£4bn of placed notes
Foundation
Investment Banking Internship Analyst, Structured Finance, Capital Markets, Lloyds Bank Corporate
Markets
Sustainability Essentials for
Business - V6 March 2023 - August 2023 (6 months)
London
Diploma in Management Accounting
Institutional Banking Virtual - Public & private securitisation origination and structuring covering corporates
Internship Program from the UK, US and Europe. Lloyds finished top of the 2023 Sterling Public
Structured Finance League Table (Refinitiv) and has a securitisation book of
Honors-Awards over £21bn
Personal Skills Award - Cashflow modelling, public ratings & credit for ABS transactions across
Deloitte National Economics Essay Autos, Telecoms & Specialist Lending
Competition Award
Analyst, Leveraged Finance, Corporate & Institutional Banking
September 2022 - March 2023 (7 months)
- Managing the bank’s lending exposure across the £2.5bn leveraged finance
book. This included regularly meeting clients, assessing management
information & running sensitivities to monitor our lending exposure
- I wrote & presented monthly trading updates for high risk clients, ran rating
reviews by assessing financial and non financial information and presented
new deal credit papers analysing key risks & mitigants

Analyst, Infrastructure, Corporate & Institutional Banking

March 2022 - September 2022 (7 months)
London, England, United Kingdom

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- Client Coverage and Origination across the Construction, Transport and
Infrastructure sectors. Coverage includes global corporates and projects
finance in the UK, US, Europe and Asia

- Led the refinance of Porterbrook’s £500m Sustainably Linked RCF. I

achieved senior sign-off by writing and presenting investment, pricing & SLL
eligibility papers. Coordination with deal advisors & credit throughout
- Coordinated 40+ KYC cases to completion. Coordinated & tracked all KYC
across the portfolio
- Other notable work/transactions include: investment paper for Instavolt’s
£110m SLL (first UK banked EV charging transaction); as bookrunner, I wrote
the lender presentation for Heathrow’s £1.32bn refinance; writing & presenting
the investment paper for Low Carbon’s £230m capex facility & interest rate
swap to build nineteen solar farms

- Coverage across term debt, DCM, USPP, high yield & acquisition finance,
sustainability linked loans, securitisation & asset based lending, hedging
(interest rate, inflation, commodity, fx), equity bridges, trade finance, deposits,
cash & payments
- Financial analysis, credit paper writing, annual renewals, account planning,
sector research & conferences (especially on net zero strategy)
- Pricing, returns & debt profile modelling, capital structuring; risk assessments,
KYC & deal documentation

Analyst, Pricing, Performance & Analytics, Payments & Merchant

Acquiring, Global Transaction Banking
September 2021 - March 2022 (7 months)
London, England, United Kingdom

- Repriced ~7,000 clients in a cost recovery worth £2.1m p.a. The project
included presenting my reprice methodology and achieving buy-in from
managing directors across the business
- Led a business case worth £1.4m p.a. to improve automation in capturing
new merchant acquiring fees (3DS)
- Recognised & rewarded by Steve Everett (MD) as an outstanding performer
after 5 months in the role
- Repriced ~7,000 clients in a cost recovery worth £2.1m p.a. The project
included presenting my reprice methodology and achieving buy-in from
managing directors across the business
- Led a business case worth £1.4m p.a. to improve automation in capturing
new merchant acquiring fees (3DS)

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- Recognised & rewarded by the managing director as an outstanding
performer after 5 months in the role
- Part of the Client Products L&D workstream. I setup a mentoring programme
in Client Products (~650 employees across 12 product areas) designed to
bring teams closer together

Avado
Fast Futures Intern
January 2021 - April 2021 (4 months)
Remote

The FastFutures programme is 12 weeks long and has five core modules
that are delivered through some of the UK's biggest companies. Each week
I commit 10-12 hours of my time outside of work to learn and practice the
business-focused skills that employers actually need:

- The Power of Technology and Data

- Marketing
- Finance Fundamentals
- Working with Great Teams
- Adapt and Innovate

The programme also builds my professional network and commercial

knowledge through:

- Mentor Scheme with business experts (I am partnered with the Head of L&D
and Innovation at Legal & General)
- Q&As with industry experts
- Collaboration across the programme for each module to complete group
projects and discuss module understanding
- Virtual business site visits

NHS
COVID Regulator and Coordinator
August 2020 - April 2021 (9 months)
Amersham Hospital, Buckinghamshire Healthcare Trust

- Ensuring patients adhere to COVID guidelines to maintain a safe

environment for our patients and staff
- Checking patients in, coordinating with individual departments, regulating
patient flow
- Temperature taking of patients on arrival

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- Logistically assisting with an efficient vaccine rollout at Amersham Hospital
- Volunteering to be a part of vaccine efficacy trials and research

Raptor
Branding Representative
August 2019 - August 2020 (1 year 1 month)
Birmingham, United Kingdom

- Student representative of brands such as PotNoodle, NowTV and Perlego

- Planning, organising and running marketing events on- and off-campus,
innovative and tailored marketing, growing the customer base, meeting sales
targets

FDM Group
Relationship Management Intern (Financial Institutions Team)
June 2019 - September 2019 (4 months)
London, United Kingdom

In its third decade, FDM is listed on the Main Market (market cap of ~£1.2
billion), we have recently made the FTSE 250 and are currently the largest IT
graduate employer in the UK.

- Responsible for maintaining and expanding FDM’s client base, holding a

dynamic understanding of the market and client needs. Identifying, developing
and presenting new business opportunities to account managers
- Support for on-site consultants at Fidelity and Barclays. Gathered
consultants’ on-site achievements to deliver an upcoming sales pitch to HSBC
- Used Salesforce and Excel to create, analyse and present weekly sales
reports to key stakeholders; I really enjoyed working cohesively as a team to
reach quarterly targets
- Led a group project of 12 interns to increase engagement with FDM’s charity
partner, Anthony Nolan. The project received overwhelming positive feedback,
raising over £500 and increasing the FDM donor register by over 8%
- Intensive courses/training in Excel and Python, this has greatly improved my
technical understanding of coding languages and methodology
- Intensive course/training in Prince 2 (project management)

Key clients: HSBC, Lloyds Banking Group, Barclays, London Stock Exchange,
Deutsche Bank, Fidelity.

Teach First
Mathematics Teacher
March 2019 - April 2019 (2 months)
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London, United Kingdom

Teaching:
- Teaching in a 'disadvantaged school' in Hartlepool, St Hild's Secondary
School
- I taught maths, leading a year 9 class of 25 students
- Some of my teaching was observed and my reports say that I excelled
particularly due my ability to quickly build relationships with students, working
pragmatically and communicating thoughtfully to manage different learning
capabilities
- I also had the opportunity to assist other teachers in the school. Working
with pastoral care teachers and their students was particularly interesting and
rewarding

Training:
- Learning the essentials of teaching and communication; including
management, presenting and planning
- Discussing the issue of intergenerational mobility - the primary issue that
Teach First is trying to resolve
- Presenting our ideas and opinions to around 100 Teach First colleagues.
This was a great way to develop my public speaking and communication skills
in preparation for the teaching ahead

Amplify Trading
Investment Banking Global Markets Simulation
February 2019 - February 2019 (1 month)
Birmingham, United Kingdom

Selected to take part in a trading simulation weekend, run by Amplify and

funded by Morgan Stanley. I got the opportunity to take the role of a hedge
fund manager, trader and price maker. A fantastic hands-on insight into the
world of banking and markets.

A colleague and I won the award of best trader and price maker portfolio - the
only award available on the weekend. We competed with 50 other traders,
price makers and hedge fund managers on the live market simulation.

Boston Tea Party Cafes

Sous Chef
February 2018 - February 2019 (1 year 1 month)
Birmingham, England, United Kingdom

Egg chef, baking & salads at one of Birmingham’s top brunch cafes

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The Maltster's Arms
Sous Chef // Front of House // Management
July 2015 - September 2018 (3 years 3 months)
Henley-on-Thames, England, United Kingdom

- Cooking all starters and deserts, food-prep, monitoring stock, coordinating

deliveries
- Cash-handling, staff logistics, menu setting, resolving complaints, training of
new staff
- Strong understanding of the runnings of small businesses

MAMG Infrastructure Asset Management

Summer Internship
July 2016 - August 2016 (2 months)
London, United Kingdom

MAMG is a public-private initiative management group. The group provides

development, construction, operational and financial management for PFI and
PPP projects.

- Provided financial analysis and cost-structuring advice for an upcoming

hospital project. I created and presented a life-cycle costing model by
evaluating discounted-cash-flow, several variables and the cost-structures of
previous clients
- Breaking down complex information was essential for this presentation
- Worked closely with finance, project management and various consultancy
teams (operational management, market testing, providing technical due
diligence advice)
- Internal finance overviews, cash flows and profit projections, cost
assessments (during a visit to Chelmsford offices)
- Client visits
- Reviewing legal documents for ongoing and upcoming projects

Moulsford Prep School

Teaching Assistant
September 2015 - July 2016 (11 months)
- Volunteering for one afternoon every week, I worked alongside young
children helping them learn basic maths and English
- My empathetic approach allowed children to learn at their own pace and feel
comfortable making mistakes

Clarkslegal LLP
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Summer Internship
July 2015 - July 2015 (1 month)
Reading, United Kingdom

During my time at Clarks Legal, I examined and interpreted complex

information regarding construction law. With which, I wrote a detailed report
outlining the legal obligations and rights of a particular contract. The role
exercised my ability to understand and interpret a wide range of complex
information and then explain this in a plain, simple and relatable way to my
colleagues.

Education
University of Birmingham
B.Sc. Hons., Economics (1st) · (2017 - 2020)

Abingdon School
A Level, Economics (A*), Maths (A), Geography (A) · (2015 - 2017)

The Oratory School

· (2012 - 2015)

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