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.
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.T: 02920 773 524 | E: Richard.Wales@principality.co.uk
Jim Brook - Head of the Relationship Team
Jim leads the commercial relationship team and helps them fully support customers and deliver a first class service. Jim joined Principality in 2016 with an impressive 29 years’ experience working in corporate banking, mainly leading real estate customer relationship management teams for the RBS Group.
T: 02920 773 829 | M: 07702 817 274 | E: Jim.Brook@principality.co.uk
Michelle Wade - Head of Commercial Operations
Michelle Wade was appointed as the Head of Operations for commercial lending in late 2018. She was the Head of Principality Building Society’s 71 retail and agencies across Wales and the borders for three years. This followed almost two decades of experience at RBS, where she was latterly a regional director overseeing business, private and branch banking.
T: 02920 773 668 | E: Michelle.Wade@principality.co.uk
Gareth Redding - Senior Portfolio Manager
Gareth looks after a large lending portfolio of clients with both investment and development needs. As a qualified banker, he knows that building strong relationships with local professionals and working in partnership with customers helps best look after their property funding requirements. Before joining Principality in 2002, Gareth spent 20 years gaining extensive commercial experience with the High Street banks.
T: 02920 773 511 | M: 07817 018 291 | E: Gareth.Redding@principality.co.ukLinkedIn >
Jan Quarrington - Social Housing Manager
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, much of which was as a front line Customer Relationship Manager, Jan truly understands the challenges associations face.
T: 02920 773 221 | T: 07702 817 256 | E: Jan.Quarrington@principality.co.uk
Stephen Ryan - Relationship Manager
Stephen joined with 25 years’ experience in the commercial sector and takes care of clients with development and investment needs, as well as developing relationships with professionals and key influencers in the local business community. His role has contributed to the team winning the Insider Property Funder of the Year award in 2017 the same year he joined.
T: 02920 773 685 | M: 07734 461 148 | E: Stephen.Ryan@principality.co.uk
Angela Niering-Wren - Relationship Manager
Angela is responsible for managing a large customer portfolio, as well as being involved in many divisional projects. She’s a firm believer in building solid relationships based on dependability, transparency and attention to detail. Angela, who is ACIB qualified, joined Principality in 2005 with 20 years’ experience in financial services, including 14 years in commercial banking.
T: 02920 773 109 | M: 07872 100 728 | E: Angela.Niering-Wren@principality.co.uk
Chad Griffiths - Relationship Manager
Chad has built up a large portfolio of clients through his expertise in business development and his focus on understanding his customers and tailoring solutions for them in a straightforward and timely way. Much of Chad’s portfolio has been in funding new build residential development across Wales, the West and South East of England. Chad joined Principality in 2012, having previously worked for HSBC Business Banking.
T: 02920 773 517 | M: 07702 656 896 | E: Chad.Griffiths@principality.co.uk
James Ford - Relationship Manager
James manages a portfolio of new and longstanding commercial property customers across the various property sectors. Using the experience he has built up through 11 years in the financial services sector and in particular commercial property, James always aims to provide a consistent first class and stand out service to customers by having a clear understanding of the customer needs and expectations, and tailoring a suitable solution to suit their objectives.
T: 02920 773 535 | M: 07976 247 648 | E: James.Ford@principality.co.uk
Maria Elias - Assistant Portfolio Manager
Maria has worked for Principality since 2012 and manages a large portfolio of both new & longstanding customers across the various property sectors. Her previous role in the team supported a complex portfolio which has helped her to build a wealth of experience in ‘deal execution’. Having previously worked in the branch network, Maria developed her skills to provide a stand out service to all of her customers, an approach that she has brought with her to the Commercial team today.
T: 02920 773 454 | M: 07912 891 439 | E: Maria.Elias@principality.co.uk
Charlotte Vick - Assistant Portfolio Manager
Charlotte graduated from Cardiff University in 2017 after studying Economics and Finance. She joined Principality in 2018 as part of the Welsh Financial Services Graduate Programme where she gained experience with multiple employers in Cardiff's financial services sector whilst undertaking her Masters degree in Financial Services Management, which she completed in September 2019. Her current role within the team is to manage a portfolio of new and existing investment clients.
Sarah Lavender - Assistant Portfolio Manager
Sarah joined the Society in 2019 with 16 years experience in the Commercial Banking and Mortgage Sector, along with several years of running her own business. Her experience in branch based commercial banking, mortgages and running her own business provides her with a wide range of skills to complement the Commercial team. She currently manages a diverse portfolio of new and longstanding customers.
T: 02920 773 456 | M: 07989 143 138 | E: Sarah.Lavender@principality.co.uk
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