SCF believes that it possesses one of the strongest Boards in the U.K. specialist finance industry. The Management Team comprises a group of highly experienced investment and mortgage professionals, some of whom have worked together for 20 years.

• Their financial, credit, mortgage servicing, and operational skills were gained incubating ten specialist lenders of residential first and second mortgages, commercial, buy-to-let, automobile loans, and leases, purchasing and working out 17 loan portfolios, and carrying out over 100 loan pool securitisations and loan portfolio sales.
• SCF's Management Team has over 200 years' combined transaction and management experience in lending, and portfolio purchasing and workout, with track records of success in each.

SCF's Management Team includes each following Board member:

• Chairman Francis Hazeel was educated at Oxford University and has over 40 years' experience in U.K. and international finance, including property lending, client relations, and marketing, to a wide range of land use and business types.
  • Francis set up the London office of Aareal Bank AG, a leading international specialist property bank, and built a £3.5 billion portfolio of U.K. and international commercial property loans.

• CEO Keith Howard, who founded SCF, was educated at Dartmouth College and NYU Stern School of Business. Keith has over 25 years' experience in principal investing, structured finance, mortgage banking, operations, and software development, primarily in the U.K. and USA, and is a Chartered Financial Analyst and a Certified Public Accountant (USA).
  • Keith was an original member of Nomura's Principal Finance Group, where he led acquisitions of up to $12 billion, and founded and led Nikko's Principal Finance Group.
  • Keith has been involved in launching four lenders.
  • Keith founded BV, SCF’s seed funder, and led the team there which incubated, grew to 36 staff, and sold, 5D Finance Limited, a non-conforming commercial mortgage lender.

• Chief Operations Officer Paul Morris has over 30 years' experience in U.K. banking, real estate, finance, and third-party mortgage servicing.
  • Paul co-founded and ran four U.K. mortgage servicing companies: Wilky Loan Management Ltd., Crown Mortgage Management Ltd., Wilshire Servicing Company (U.K.), and Commercial Mortgage Systems (Skipton Group), the U.K.’s largest third-party commercial loan administration company.
  • Paul also helped to establish a successful lending company as a joint venture with one of the U.K.’s pre-eminent mortgage broking firms, aimed at the buy-to-let mortgage market.