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Howard Whitehead has extensive experience in the finance sector, currently serving as Director of Specialised & Project Finance at Santander UK since December 2004. Howard has held key positions including Senior Relationship Director for Renewable Energy & Sustainability and Credit Portfolio Director. A significant achievement includes securing a mandate for bilateral project finance debt for renewable energy projects post-Santander's acquisition of Alliance & Leicester in 2008, with approval finalized in 2011. Prior to Santander, Howard was a Senior Manager at RBS Global Banking & Markets, where responsibilities included negotiating complex structured finance transactions. Howard began their career as an Assistant Group Treasury Analyst at Virgin Atlantic Airways. Educationally, Howard holds a BA Hons in Business Studies from Solent University, graduating in 1997.