Our Commercial Team

We pride ourselves on outstanding personal service. When you take out a property funding solution with us, one of our expert relationship managers will be there to help you. 

Senior Team

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Richard Wales - Commercial Lending Director, Principality Commercial

Richard was appointed Commercial Lending Director in 2021, progressing from his previous role as Head of the Commercial Underwriting Team. Having spent over 7 years in the business, Richard is incredibly familiar with the team and clients and brings a wealth of experience from his previous roles within the organisation and the commercially focussed positions he held within HSBC.

M: 07714922759 | E: Richard.Wales@principality.co.uk

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Cerry Middleton - Head of Commercial Operations

Part of the Commercial Team since 2019, Cerry joined Principality in 2007. An experienced leader, Cerry brings a wealth of experience from roles at Principality and HBOS. Cerry leads the Commercial Support Team to provide outstanding service to both  internal and external stakeholders.

M: 07714922810 | E: cerry.middleton@principality.co.uk

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Relationship Team

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Gareth Redding - Senior Portfolio Manager

Gareth is a senior banker looking after a large portfolio of customers in both the property investment and development markets.   Working for over 20 years in the commercial property sector at high street banks, Gareth joined Principality Commercial in 2002. In that time he has built strong relationships with customers and professionals. 

M: 07817018291 | E: Gareth.Redding@principality.co.uk

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Stephen Ryan - Senior Portfolio Manager

With over 25 years’ experience in the commercial sector, Stephen joined Principality in 2017. As well as looking after clients with development and investment needs, he develops relationships with professionals and key influencers in the local business community.

M: 07734461148  | E: Stephen.Ryan@principality.co.uk

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Ian Bailey - Senior Commercial Relationship Manager

With over 40 years experience in financial services primarily in relationship management and credit / underwriting roles, Ian has been with Principality’s Commercial team for over 20 years. His roles have included Relationship Manager and Head of Underwriting. He is currently supporting the delivery of a 800 home residential scheme, along with coaching and mentoring colleagues.

M: 07817012978   | E: ian.bailey@principality.co.uk

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Jan Quarrington - Senior Portfolio Manager – Affordable Housing

Jan has managed a large portfolio of housing association clients for Principality since 2016. She’s passionate about the role of housing associations and is committed to supporting them to deliver more affordable housing. Having spent 3 years working in the social housing sector, as well as working in corporate banking for many years, Jan understands the challenges associations face.

M: 07702817256 | E: Jan.Quarrington@principality.co.uk

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David Brown - Development & Portfolio Manager

An experienced corporate banker, David works with the team on all development finance projects from the start of the project to completion. He also works closely with the sector's professional community, particularly quantity surveyors.

M: 07738396487 | E: david.brown@principality.co.uk

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Chad Griffiths - Senior Portfolio Manager

Chad has developed a portfolio of clients across Wales, the South West and South East of England. An expert in development funding, much of Chad’s portfolio has been in funding new build residential projects. Chad joined Principality in 2012, having previously worked for HSBC Commercial.

M: 07702656896 | E: Chad.Griffiths@principality.co.uk

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James Ford - Senior Relationship Manager

James manages a portfolio of clients across a variety of property sectors. with over 14 years experience in the financial services sector including commercial property and residential development, James always aims to provide a stand out service to customers by gaining a clear understanding of the customer requirements and tailoring solutions to suit their objectives.

M: 07976247648 | E: James.Ford@principality.co.uk

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Maria Elias - Relationship Manager

Managing a large portfolio of customers across a variety of property sectors, Maria joined Principality in 2012 . Having previously worked in roles that have built her deal execution and, via the branch network, stand out customer service skills, Maria has continued to use and develop these in the Commercial Team.

M: 07912891439 | E: Maria.Elias@principality.co.uk

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Charlotte Vick - Relationship Manager

An economics and finance graduate from Cardiff University, Charlotte joined Principality in 2018 as part of the Welsh Financial Services Graduate Programme. Her experience with multiple employers in Cardiff's financial services sector, as part of the graduate programme and later her Master’s degree in Financial Services Management, has enabled Charlotte to look after a growing portfolio of  investment and development clients.  

M: 07738396476 | E: Charlotte.Vick@principality.co.uk

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Sarah Lavender - Relationship Manager (Affordable Housing)

With over 15 years experience in the commercial banking and mortgage sector along with several years of running her own business, Sarah joined the Principality in 2019. Her experience in branch based commercial banking, mortgages and owning her own company complement the Commercial Team. Sarah has now joined Jan Quarrington in managing a portfolio of housing association clients and is committed to providing support to the affordable housing sector.

M: 07989143138  | E: Sarah.Lavender@principality.co.uk

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Bryony Hicks - Assistant Portfolio Manager

Bryony joined Principality in 2016 and manages a portfolio of longstanding and new customers with a range of development and investment facilities. With a particular interest in residential development, Bryony is focused on understanding customers and tailoring opportunities suited to them.

M: 07816128977 | E: bryony.hicks@principality.co.uk

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Chester Morgans - Assistant Portfolio Manager

Chester manages a varied client portfolio. He developed his knowledge of commercial lending through his previous role as Data & Market Research Analyst. Chester joined Principality in 2019 after graduating with a First Class degree in Business Management with Accounting & Finance.  

M: 07816128937 |  E: Chester.Morgans2@principality.co.uk

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Kirsty Morgan - Assistant Portfolio Manager

With over 12 years’ experience in Financial Services, Kirsty has previous Commercial experience at Lloyds Banking Group and has been with Principality since 2021. She currently manages a diverse portfolio, developing strong relationships with new and existing customers by understanding their ambitions and helping them achieve their goals.

M: 07974050620 | E: Kirsty.Morgan@principality.co.uk

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We're here to help...

Call our commercial support team on our dedicated number 02920 773 538 or alternatively, you can complete our online enquiry form.

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