Neil is an associate in the firm’s Banking and Finance team. His core practice areas are debt capital markets and securitisation, loan book trading, real estate and structured finance, and financial products and services.
He has extensive experience of acting for debt funds, arrangers, funders, purchasers and sellers in loan book trading involving both performing and non-performing Scottish loans and mortgages, having acted on some of the market-leading transactions in this area in recent years. He also specialises in a range of debt capital markets and securitisation transactions involving Scottish assets, in particular residential mortgage-backed securitisation (RMBS) and covered bond programmes. In recent years, Neil’s practice in this area has expanded to include the sale and securitisation of other asset classes such as personal loans, credit cards and car finance receivables.
Neil also regularly acts for both lenders and borrowers in real estate and structured finance transactions (with particular experience in Scottish limited partnership finance structures), both in the cross-border UK/Europe and Scottish markets. In recent years he has been closely involved in the sale/purchase, financing and refinancing of some of the largest shopping centres and hotels in Scotland. Through his work in this area Neil is a member of the firm’s real estate finance and hospitality and leisure sector groups.
As a consequence of his work in the securitisation and real estate finance sectors, Neil is also involved in financial products and services and, in particular, drafting standard-form lending documentation for various residential and commercial lenders (ranging from new-to-market, existing institutional, and specialised lenders).
In 2015 Neil completed a nine month secondment in the corporate and business banking legal team of a UK bank and, from 2012-2017, tutored on business and commercial law at Edinburgh Law School. He is a member of the Scottish Law Commission’s advisory group on Moveable Transactions which reported in 2018.