Stephen Hiscock BSc FCIB MAE
Stephen Hiscock is an experienced banker, company director and business adviser.
He has a wide ranging understanding of banking practice and procedures, strategic planning, private company issues, commercial contracts, marketing venture capital, and corporate finance. He has worked in the loan finance, venture capital, marketing and intensive care departments of Lloyds TSB and NatWest and has run his own business since 1997.
Very good at working with a wide variety of people.
Trained and effective public speaker.
- Fellow of the Chartered Institute of Bankers
- Member of the Academy of Experts
- CEDR Accredited Mediator
Hiscock Management & Consulting (1997-Date)
- Executive Director, Non-executive Director and Adviser to various SMEs. Includes Chairman of STB Systems Ltd (specialists in Financial Regulatory Reporting and Compliance Systems – Director 2001 – 2007).
- Negotiating transactions with banks and other financial institutions.
- Providing expert banking advice. Evidence given in Commercial and Criminal Courts.
- Alternative dispute resolution. CEDR & Academy of Experts accredited Mediator.
TSB Group (1986-1997)
Senior Manager - Group Banking Services (1991-1997)
- Set up TSB's 'Intensive Care' function to control lending to larger client companies, and individuals, with financial problems. Equity positions taken when appropriate.
- Advised on and implemented survival plans for those companies, in close
co-operation with directors, investors, advisers and other banks. - Responsible for sanctioning and/or controlling loans through credit analysis, internal procedures, instructing professionals and documentation.
- 100 bilateral and syndicated relationships under direct management.
- Responsible for all aspects of credit risk including mortgages, loans, overdrafts, trade finance, foreign exchange, documentary credits and automated payments.
Head of Commercial Business Development (1989-1991)
- Development and promotion of all services provided to commercial customers.
- Credit assessment and sanctioning.
- Preparation of documentation.
Corporate Finance Department (1986-1989)
- Responsible for the development of corporate bank lending in the Bank's regions.
- Resolved problem situations and introduced specialist finance schemes.
- Established Venture Capital company.
- Ran corporate finance training programme for Business Development managers.
County Bank (1979-1986)
- Managed small team of accountants and bankers.
- Analysed, negotiated, and implemented commercial loans and investments.
- Advised on borrowing options and debt/equity reconstruction schemes.
National Westminster Bank (1973-1979)
- Economic Intelligence Department.
- Prepared speeches and papers for Bank general management.
- Branch banking.
BSc (Economics & Statistics)