Meet our 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.

Senior Business Development Manager 
Scott Grant
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Scott is 5+ year financial services industry professional and has achieved success in the  commercial development finance area and International development finance area..

Structuring Associate
Paul J. Munin
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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.

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
Senior Analyst 
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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 
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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.

Liam Wilson-Frade
Senior Analyst 
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Liam studied Economics at the University of Kent, focusing particularly on Environmental and Financial Economics. Prior to Charter HCP, Liam worked as an Investment Analyst at Coniston Peak and Vendian Investment Management, covering a wide range of sectors and strategies.

Sofia Bessadi
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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.

Manar Nacer
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Keen on Big Data Analysis and Financial Modelling, Manar has recently graduated from Henley Business School with a Masters in Corporate Finance and Investment Banking.

His Expertise in valuation, statistical analysis and modelling makes him excellent in supporting client with their investment decisions.

He previously worked as Relationship Manager at BNP Paribas, and Financial Auditor at KPMG.

Alia Turmes
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Alia recently graduated from University of Edinburgh with a MSc in International Development. Focusing her degree on living heritage, professional development, and entrepreneurship, she is passionate about enabling communities from emerging countries and minority groups to have access to the global economy through local business, trade, and development opportunities. Between obtaining her MSc and B.A. in Political Science with Cultural Anthropology, Alia worked in administrative positions in the non-profit and private sector. Having gained insight to the non-profit, governmental, and private sectors, she personally believes that business and social entrepreneurship is the most efficient way to make sustainable economic impact and looks forward to working on projects around the world with Charter HCP.