As a member of the banking and finance team, James deals with all aspects of banking work. He particularly specialises in four practice areas.
Funds finance: advising UK, European and US financial institutions on leveraged and unsecured facilities involving Scottish limited partnerships in existing and new fund structures. Securitisation and structured finance: he acts for UK lending institutions on covered bond and master trust RMBS securitisation structures. Asset-based lending and receivables financing: he advises on the Scottish aspects of receivables financing across a number of asset classes, including auto-receivables and unsecured consumer lending. Cross-border finance: James also advises on the Scottish elements of cross-jurisdictional transactions, and matters involving Scottish companies on referral from leading City of London law firms.
James is also part of our wider legal technology team, and has worked with a major UK Bank to deliver systems-based process and operational improvements to the delivery of legal services.
Dual-qualified in Scotland and England & Wales.
- Acting for various lenders, sponsors and originators on their private warehouse facilities, borrowing base facilities and forward flow arrangements used to fund the origination of a range of assets, including residential mortgages (including buy-to-let and equity release), personal loans, bridging loans and auto and equipment financing.
- Acting for Clydesdale Bank PLC in relation to their covered bond and master trust programmes.
- Acting for arrangers in respect of a series of NAV and subscription facility funds financings.
- Acting for a UK lender in respect of their participation in the Bank of England’s Sterling Monetary Framework.
- Acting for lead managers and Volkswagen Financial Services as Scots counsel on their public securitisation programmes.
- Acting for a lender in respect of the provision of asset-backed facilities to a multi-national company.
