United Kingdom
With a career spanning more than three decades at Lloyds Banking Group, I have built deep expertise across Operations, Retail, Commercial, and Corporate Banking. Since joining the organisation in 1994, I’ve had the privilege of leading specialist sectors — including the Agriculture Sector — and serving as the Managing Director of the Agricultural Mortgage Corporation plc, where I oversaw the full end‑to‑end business from origination through to completion. Today, I lead SME Banking for the Group, shaping the future of how we engage with business customers across the UK. My remit covers driving sustainable growth for Trading Sector clients with turnovers between £3m and £25m, ensuring we continue to support the ambitions of UK businesses through every economic cycle. I head a nationwide team of 280+ Commercial Regional Directors, Area Directors, and Relationship Managers, responsible for a portfolio of around 25,000 trading businesses. Alongside this, I oversee the Growth & Structured Finance team, enabling sophisticated deal structuring and empowering our clients to pursue transformational opportunities. I am passionate about building high‑performing, inclusive teams and championing the SME proposition. My commitment is simple: to deliver exceptional customer outcomes, strengthen the UK economy, and help businesses thrive and grow
Head of SME Trading Sectors – Driving Growth & Client Excellence across UK Commercial Banking As Head of SME Trading at Lloyds Banking Group, Andrew is responsible for shaping the future of face-to-face SME engagement and driving sustainable growth for trading businesses with turnovers between £3m and £25m. Andrew leads a nationwide team of over 280 Commercial Regional Directors, Area Directors, and Relationship Managers, managing a portfolio of approximately 25,000 trading business customers. In addition to client delivery, Andrew oversees the Growth & Structured Finance team, enabling complex deal structuring and supporting ambitious business goals while championing the SME client proposition. Recognised for inclusive leadership and strategic innovation, Andrew is passionate about building high-performing teams and making a measurable impact on the UK economy.
Responsible for leading the Lloyds Bank strategy for SME banking across South London.