Social Housing Provider Loans

Carolyn is Director of Lending at Charity Bank. She joined Charity Bank in 2005 having previously worked for a European Bank in the city, where she established and managed their social housing loan book, growing it to over £1bn. Carolyn is a trustee of two Almshouses and a Director of Almshouse Consortium Ltd. She is Chair of Postcode Lottery Innovation Trust as well Maidstone Grammar School for Girls Development Trust.

“I love working for Charity Bank in a frontline role. I spend my time meeting and talking with people, trying to help them with their funding needs and witnessing the social impact delivered.”

Nathan joined Charity Bank in 2024, bringing with him 18 years of experience in commercial banking, people leadership and channel strategy.  Throughout his career, he has worked in business development roles, with seven years as a specialist to the Charity, Education & Social Enterprise market. Nathan has also served in a non-executive capacity in the Charity sector for the past 15 years, providing him with deep insights into the challenges faced by the organisations we serve at Charity Bank.

Nathan is married with two children and enjoys outdoor activities such as walking, cycling, and spending time on the family allotment. He also values investing time in his faith, family, and friends.

“Charity Bank’s aim is to become the lender of choice for socially minded organisations, and I’m delighted to be playing my part in this.  I have recently joined to oversee regional Relationship Managers in Impact Lending, who work with clients to structure and onboard our larger loans, significantly enhancing our Balance Sheet through a proactive solutions-led approach.

Additionally, I lead the teams that manage the banks lending journeys, from onboarding to completion, and those that provide portfolio management for our existing clients. My colleagues and I are dedicated to delivering an exceptional client experience for organisations borrowing from Charity Bank.”

“In my role as Credit Manager, I ensure charities and social purpose organisations receive the funding they need to make a positive impact in their communities.”

David enjoys supporting charities and social enterprises in his role and is committed to fostering positive change through financial support at Charity Bank.

Jeremy joined Charity Bank in 2011. His role is to work with clients, helping them to evaluate the risks associated with loan finance, providing guidance and support throughout the loan application process and on an ongoing basis thereafter.

“During my time working at Charity Bank I have helped clients access in excess of £100m in Social Finance. It has been incredibly rewarding to see how this additional funding has helped them grow impact, income and support long term sustainability.”

Bernie joined the bank in 2017, bringing with her a wealth of experience from her previous roles. Before this, she spent a decade at Ulster Bank and also worked at PwC, which laid the foundation for her career. Throughout Bernie’s career, she’s had the privilege of working with a diverse customer base across Northern Ireland and mainland UK. Her clients have included faith-based organisations, housing associations, specialist care organisations, and homeless charities.

“I love Charity Bank and all that we represent – The impact of the loans we provide is immense. The charities and organisations we support are changing the lives of so many people.”

Mitchell joined Charity Bank in 2026 as a Senior Impact Relationship Manager, bringing 15 years’ experience across retail and commercial banking. For the last 5 years, he specialised in Property Development Finance, helping to fund the delivery of new homes across the UK.

At Charity Bank, Mitchell specialises in lending across housing, supported living, and residential care. He works closely with organisations to develop new assets and refinance existing ones, enabling them to deliver their mission and create lasting social impact.

“I’m proud to have joined an organisation where finance is used as a force for good. Having spent my career in retail and commercial banking, I feel incredibly privileged to have the opportunity to support organisations whose work changes lives and strengthens communities. That’s what makes this role so rewarding.”

Outside of work, Mitchell spends most of his time with his wife, their young son, and Boston Terrier, Loki, and is looking forward to welcoming another little boy due in the autumn of 2026. Alongside his career in banking, Mitchell represented England in karate, competing around the world and winning both World and European titles. These days, with family life keeping him busy, Mitchell enjoys staying active through the gym, and starts most mornings with an ice bath as part of his health, fitness, and recovery routine.