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Meet our Senior Team
Terry Pritchard
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Terry has been a prominent figure in the financial Services industry for many years. When he left his role in the Royal Air Force he began a career in banking at Hambros Bank and AVCO Trust both companies merging with Crusader insurance a subsidiary of Britannia Building Society. Terry soon became a member of the Management team ending up as Head of Sales for the group. He subsequently filled the role of CEO and Director at several financial institutions in the UK including Edeus (Merrill Lynch), Providence Financial (MD) Chase (CEO), Key Retirement Solution and Charterhouse (MD Intermediaries).


He most recently had the position of Main Board Director and Head of Sales for the London Rebuilding Society.  Currently Terry holds the positions of MD of Channel Equity Finance.  Terry has joined us as MD of regulated activity and is looking to expand the department through debt finance and bank syndication. In 2007 Terry won the prestigious award of Finance Broker of the Year and the companies he has guided have also won many similar accolades.

Adam Michaelson
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Having trained at the Bar in London, Adam entered the business of Asset Management in 2003, as head of compliance with a small Swiss firm ISC Group, where he stayed until 2008 when he left to take up a post with AD and AD Group, a division of ADIA in the UAE  specialising in project finance and development of African projects. During this time, he assisted in a number of large projects including the refinancing of CMH, the state Gas company in  Mozambique, and the funding of Longflex Metals, a 500 sq. km gold mining operation in Mali.

In 2013, Adam returned to London as an asset finance consultant for Oracle Capital Group before being promoted to Global Commercial Director where he oversaw 2 major asset finance transactions and the onboarding of new investor clients with a collective net worth of over EUR500 billion. Adam has experience in Private Equity and Venture Capital along with general business acumen and many year’s experience building relationships with funds and family offices.

Tom Pritchard
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Having attended Cardiff University studying Geology, Tom entered the world of corporate investment services 8 years ago. Tom has a solution focused experience in corporate finance, after gaining experience at a number of bespoke Private equity, Investment, Venture Capital and Debt Houses.

As well as working alongside two of the big four accountancy/business practices Ernst & Young and KPMG on short term contracts where he learnt additional skills associated with corporate finance. Tom has particular experience with alternative lenders based in the UK and Europe, looking at large scale development projects, both in real-estate and energy. Tom currently holds a number of Non-Exec Director roles for both energy and real-estate development groups.

Specialist areas: Financial analysis, Modeling, M&A, Venture capital, Negotiations, Bespoke funding opportunities, IPOs AIM and LSE listings, Forecasting, Market analysis, Industry analysis

Robert Kim
Head of Business Development South-East Asia
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Robert advised the Korean Embassy in London on Energy projects and was a former member of KEPCO management. He advises on legal issues arising at various stages of construction and offshore projects in general. Benefiting from his early career at the power corporation Robert is also well positioned to advise the energy industry and is a specialist in this market.

He brings over twenty years of experience to Charter HCP advising blue chip companies and governments from emerging Asian markets at the highest levels on how to build their profile and secure new commercial opportunities overseas.

After studying law in Korea and the UK Robert has a reputation for being experienced in developing project opportunities such as; the investment in Hinkley Point C nuclear power station new build project plus a number of other projects such as joint Venture opportunities with several UK utilities groups and gas fired power stations in 2014-2017.

Robert has a good reputation in all areas of business and commerce.

James Whitcher
Senior Relationship Manager
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James worked within the media industry for over ten years running the ‘traffic department’ of a post-production house in Soho, including a video library for clients like Sony, 20th Century Fox and the BFI. Changed career and worked for a social enterprise ‘The London Rebuilding Society’ as a customer liaison officer. Assisted elderly and vulnerable persons repair their homes in order to remain in them and not go into care.

James left after the pilot scheme but was inspired, gained CeMap qualification as a regulated mortgage adviser, and worked via the largest adviser network in the country. This role also included writing insurance business.

Having served customers and clients in various guises and industries over the years James is keen to develop his skills further in an ever-changing landscape that is finance. Especially within the field of climate change and his passion to help fund cutting-edge renewable energy sources to help save our precious planet.

Alia Turmes
Chief Lending Officer

Alia's experience prior to joining CHCP was primarily in the fields of international politics and development. After completing her B.A. in Political Science and Cultural Anthropology in the USA and Brazil, Alia worked for an international NGO at the UNESCO Paris Headquarters. She subsequently relocated to the UK to pursue an MSc in International Development at the University of Edinburgh. It was there she grasped the importance of the private sector in social and political transformation. Upon graduation, she completed an internship with Charter HCP and continued on to a permanent position. 

Alia has prior experience in the private sector and ongoing experience in the creative industry. As a business analyst, her versatile professional background allows her to swiftly grasp the wide range of businesses CHCP services. As our lending officer, Alia is excited to expand the reach of CHCP's internal lending products and work with clients to provide quick and effective solutions to their funding needs.

Michael Scanlan
Legal Counsel 

Michael Scanlan has been in private practice for over 35 years and was a partner for over 30 years in two of the UK’s leading medium-sized law firms. He now divides his time between being a consultant in a City Law firm and as in-house Counsel to Charter HCP both of which are recent appointments.


During his time in private practice, Michael has been involved a wide range of matters both contentious and non-contentious, within the general commercial sector, employment and insurance (general and corporate) field.

He has litigated matters in the Commercial court and Technology and Construction courts of the High Court and in the Chancery division (Chancery; Bankruptcy;  Intellectual Property and Enterprise court) and on numerous occasions before the Court of Appeal and also before the Supreme Court and on numerous domestic and international arbitrations and mediations on matters across a broad range of sectors including engineering disputes; off-shore oil installations; aircraft leasing; copyright and trade name disputes; corporate insurance and professional negligence.  


On the non-contentious side Michael has many years of experience in the negotiation and drafting of a wide variety of commercial agreements, including, company share purchase agreements; shareholder’s agreements; exclusive agency distributions; technology contracts ; IT Technology & Telecoms SAAS Agreements, Software Development and Licensing, Software Support and Hardware Maintenance, Outsourcing Contracts, Systems Integration, Directors agreements; finance broking agreements. On the advisory side and apart from general commercial advise Michael advises on FCA regulatory due diligence;  HMRC Fraud and Advice (SEIS and EIS schemes especially)

Toby Roberts
Lead Analyst 

Toby studied Aeronautical Engineering at Brighton University, after which he decided to pursue a career in the financial services industry. Following a period at an investment brokerage firm, Toby joined CharterHCP through our internship program and was subsequently hired as a full-time broker. Since then, he has worked to develop an extensive network of funder relations in both the residential and commercial sectors of bridging and development finance in the UK. His engineering skills bring a unique insight to the business and he is particularly knowledgeable on technology projects, pharmaceuticals and emerging engineering solutions. 

Lucie Ramirezova
Head of Client liaison 

Lucie is a highly motivated real estate professional with experience in the United Kingdom, Spain, Italy, France, Czech Republic, and South America. In the Czech Republic she studied Economics and gained experience in real estate at Cushman & Wakefield, focusing on industrial assets. In addition, Lucie has experience in the finance mortgage market, having worked at the CSOB Group, Bausparkasse Schwäbisch Hall AG.

She received her Bachelor of Law in the United Kingdom - a law qualified degree in Law with Spanish Law - and her master’s degree in International Commercial Law at the University of Surrey. She worked at a law firm and at the Czech Embassy in Madrid, Spain. In Colombia, South America she worked as a lecturer in Public International Law.

At Charter HCP Lucie works closely with international clients and brings a valued cultural insight to the company.

Yassin Mellouki

Yassin is fast becoming a seasoned professional with a deep-rooted passion for Economics. He pursued his studies at the University of Kent, where he delved into the intricacies of Environmental and Financial Economics. His academic journey equipped him with a unique perspective on the economic landscape, especially in the realms of sustainability and finance. Before joining Charter HCP, Yassin honed his skills as an Investment Analyst at Mashreq Bank. There, he covered an extensive array of sectors and strategies, showcasing his versatility and analytical prowess. Now, in his current role at Charter HCP, Yassin's influence is palpable. The company has witnessed significant growth under his leadership and expertise. His commitment to excellence and innovative approach have been instrumental in driving the firm's success. As Charter HCP continues to expand, Yassin remains at the forefront, guiding the company to new heights.

Sofia Bessadi
VP- International Team 

Sofia holds a master’s degree in Biotechnology and has Business Development Management experience. For problem-solving situations, Sofia relies on her technical ability including modelling and data analysis skills from one side, and her commercial experience on the other side, to find solutions in complex situations. Her skill set extends to financial analysis, revenue growth, and cost controlling. Moreover, her multilingual background and her experience in Relationship Management of clients and businesses internationally makes her ideal to achieve projects closing of all sorts and from different parts of the world.

Structuring Associate - Advisory 
Paul J. Munin

Paul Munin is a 25+ year financial services industry professional and has achieved success in the Mortgage Banking, Commercial Banking, Commodities, Risk and International arenas. He has earned a Finance degree, as well as his MBA. Over the course of his career Paul has attracted new business partners and created high

performing relationships. Paul has been recognized In the Austin Business Journal as one of the Top 25 Mortgage Heavy Hitters for Austin (2003, 2005 & 2007).


Paul’s goal is to provide world-class customer service to his clients. It is his intent to listen, hear and truly understand your needs – a quality of business that seems to be forgotten in today’s highly automated society. He would like to develop a lasting relationship with you and help make your financial experience a stress-free and successful one.

Non-Executive Director 
Inna Meteleva

Inna has more than 15 years experience in business and finance. In 2002 she began her career in the State Treasury of Ukraine within the Ministry of Finance. Following this Inna has also held a number of senior managerial positions in USAID/DAI/RTI, all of which were working toward reforming financial and fiscal systems in the her country. From 2008 till 2017 she worked for one of the leading agricultural companies in eastern Europe as Vice Chairman of the Board. Also, she became a Member of the Commission on Trade and Investment Policy for the International Chamber of Commerce (ICC
Headquarters Paris), at the same time. In 2019 Inna also joined the Government as Deputy Minister for the Ministry of Economic Development Trade and Agriculture of Ukraine. In 2020 she became the Deputy Chairman of the Board Association of FinTech and Innovation Companies.

Inna has many years’ experience in finance, agricultural/ food, commodity and IT markets, along with a strong understanding of fiscal policy and financial matters within all sectors of commerce. Inna has a reputation for professionalism and relationship building with business associations and government bodies alike.

Ana Rocha-Homem
International Business Partner 

Based in Lisbon, Ana has had a career mostly with Portuguese companies both domestically and abroad. A career banker (with postgraduate degrees in Banking and in Corporate Finance) she worked as a senior Corporate Account manager a Finibanco and then EuroBIC. She then became a  Director at CaixaBI and was responsible for managing a portfolio of large companies in different sectors, namely construction (Mota-Engil, Teixeira Duarte, Alves Ribeiro and others), energy (EDP), hospitality (Pestana Group), Transportation (Barraqueiro, TAP, Carris, Metro), and others. In 2009, she created a SME's department to cross sell investment bank products/services (Syndicated loans, hedging, IPOs, disintermediation activity like bonds, commercial paper, and the like) and Commercial products/services to the Caixa Geral de Depósitos Client's portfolio. When she left the bank she had raised and had under management a portfolio of €500M in SME's Commercial Paper Securities. Since 2017 she has undertaken  financial advisory work, and has expanded her activity abroad among different countries, mainly Europe, Latin America, Africa, USA and Canada. Beside other activities and skills, her main skills are Clients/deals origination and client's portfolio management. She is very familiar with structuring and offering full package solutions.

Loic Pohl 
Investment Analyst

Loic studied Architecture at the Welsh School of Architecture, Cardiff University specialising in sustainable engineering and renewable energy, having been recognised and shortlisted by the Peter Watson Foundation at Queen's College, Cambridge for the design and engineering of an alternative renewable energy solution.


After deciding to pursue a career in financial services, Loic worked at a corporate foreign exchange firm, where he initiated the expansion of the business development operations into the European markets. In this role, Loic specialised in the financial services sector, developing an extensive network of corporate advisory firms and investment banks.


Following this, Loic joined CharterHCP through our internship program and was subsequently hired as a full-time analyst. 

Shania Rahman
Analyst International Team 
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Shania Rahman is a recent graduate from the prestigious Goldsmith University, where she pursued a degree in Management and Economics. Just 12 months ago, Shania began her professional journey as an intern. Today, she has transitioned into a full-time role, a testament to her dedication and prowess in the field. With a strong academic foundation and a passion for business strategies, Shania is poised to make significant contributions to the world of management and finance. Her time at Goldsmith has equipped her with the necessary skills and knowledge to tackle real-world challenges, and she is eager to apply her learnings in her new full-time capacity. As a dedicated and ambitious individual, Shania is ready to make her mark in the professional world.

Helen Thorne
Financial Controller 
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Helen Thorne is a pivotal member of our accounts team, serving as the Financial Controller. With a keen eye for detail and a deep understanding of financial processes, Helen ensures the utmost accuracy and efficiency in our financial operations. Her expertise and dedication have been instrumental in streamlining our accounting procedures, making her an invaluable asset to the team. As Financial Controller, Helen's leadership and guidance have consistently driven our financial department to achieve excellence.

Paul Percival 
Partnership Manager 
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Paul Percival stands as a beacon of expertise and leadership in the world of finance with an impressive 30-year track record. Currently serving as the Senior Sales Manager at Charter HCP, Paul brings a wealth of knowledge, strategic insights, and a proven history of driving sales growth. His extensive experience in finance has not only equipped him with unparalleled skills but also an intuitive understanding of market dynamics and customer needs. Over the decades, Paul has mastered the art of building and nurturing client relationships, making him an invaluable asset to Charter HCP.

Krishan Patel 
Partnership Manager 

Krishan has over 15 years of experience in Credit and Structured Finance. After graduating from City University, he joined Deutsche Bank as a Credit Risk analyst covering Financial Institutions in London and Hedge Funds in New York. Krishan went on to work for Nomura, Barclays, Investec, and Morgan Stanley. 

Krishan joined Castellan’s to head up European Real Estate in 2018. Krishan went on to oversee Castellan’s Real Estate, Renewable and Infrastructure teams in 2020 successfully financing projects in EMEA, North America and Africa.

Omar Tinsley 
Partnership Manager 

Omar is a seasoned professional blending extensive experience in quantity surveying with a robust background in leverage finance.Expert in navigating the complexities of construction economics and financial structuring, Omar brings a unique perspective to every project.With a keen eye for detail and a strategic approach to finance management, Omar excels in delivering cost-effective solutions in diverse industry settings.

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