Dan Townsend Email & Phone Number

Cheltenham, Gb

Gloucestershire, England, United Kingdom

About Founder, Dan TownsendHaving joined the RBS Group at just sixteen, I would perhaps describe myself as a career banker and certainly someone with extensive knowledge of the business and commercial banking world.My specialisms are in residential and commercial real estate, or in short “all thing’s property” but I also have a real passion for helping trading entities secure their existing or new trading premises. After a highly successful career spanning 27 years, I left the RBS group in 2016 and have been realising a lifelong ambition of undertaking my own residential project builds within Gloucestershire ever since. I have continued to support both existing and new clients with their funding needs through the brokerage of ACG Commercial Ltd which was established in 2016 and is authorised by the FCA (798102).Over my 34 year career in the local and regional banking industry, I have built a prized network of professional relationships, a highly visible local presence/profile, and a respected reputation held in great esteem by my peers in the business development world. Having recently concluded all personal development projects (scratched that itch) I am returning to the day job with a clear aim to expand my client base further.You can contact me directly on 07803 366183 or by email at dantownsend@acgfinancial.co.uk.

Staffordshire And South West Midlands

My current role saw me taking over as Director for the future Williams and Glyn team in Jan this year. My team is made up of eleven business and commercial managers situated in key locations from Hereford & Worcester up through the famous Black Country, across to Telford & Shrewsbury and as far north at Stoke.The future W&G Corporate banking teams in the UK provide relationship banking services including origination of debt to support customers with overall borrowing requirements that range from £25k to £50m.My role as Director, is to lead and inspire this team to deliver a strategy of growth through first class client satisfaction, strong financial performance and full market coverage whilst embedding and managing robust capital, risk and stewardship disciplines.I am accountable for the delivery of financial targets including income growth within agreed guidelines and responsible through reportees for upfront and on-going Credit Stewardship and seamless execution for existing and new business. I am tasked to lead, manage and develop the team to exceed challenging business targets, drive business growth and establish ‘trusted advisor’ status with all clients whilst identifying and managing risks including proactive management of problem loans, data quality and portfolio reporting. I hold ultimate responsible for delivery of customer service and deal execution across the region in line with asset class strategy and through effective leadership of the team ensure the RMs establish & maintain relationships with key professional and intermediary communities to raise the profile of the Bank in the local marketplace. I hold ultimate responsibility for agreeing deal structures for the largest and more complex transactions and am required to continually develop, coach and maximise the capabilities of the team to instil a high performance culture and create an environment where employees are engaged and motivated.

Cheltenham, Gloucester And South Wales Corporate Banking Team

As well as undertaking a traditional BDD role driving new to bank acquistions,asset and liability balance sheet growth across the C&G and South Wales team I also took the role as number two for the DCB Steve Wilson and my responsibility extended further with quasi line management responsibility for the highly successful South West Business Development team and a place on Chris Price regional managing directors board.The prized BD team was made up of seven highly successful BD managers situated across the South West region from Bristol, Cardiff, Basingstoke, Devon and Cornwall. Core objectives of the team was to grow new to bank acquistions, asset and liability growth accross all business sectors.The role evolved over the extended period and wih the withdrawal of Santander with greater emphasis on leadership, coaching and training and delivering message to market (PPV) both personally and from own team/ South West region perspective.As with previous DRBS role I continued to lead a number of internal and external workstreams and iniatives as our Journey of divestment from the RBS group evolved in late 2013 when we saw Corsair Capital come in as a minority shareholder, since then we have developed a medium term strategy to create Williams & Glyn Bank in 2016, pre IPO

South West Region

Against the back drop of the EC directive, issued following State Support to RBS group in 2009. I was promoted to a new role, representing the South West region to support the much published sale to the Santander banking group, which later fell through.The role as DRBS saw me support a number of internal and external initiatives that were designed to ensure that during our then journey to Santander, we were as a business in RBS England & Wales and Natwest Scotland well prepared to deal with the challenges and opportunities that the ultimate journey would bring, not just for our customers but also for our 5000 strong divested staff.My role was to support the South West team and our customers during this change period, working directly on a number of key work streams, with specific focus around our retention strategy of our client base. During this period I helped land key changes in the business needed to facilitate the sale to Santander, help position and land key communications and provide a high level of explanation and guidance around the required changes.

South And South West Region

Having previously been successful as a specialist property relationship manager, my role was enhanced in 2008 to facilitate a pure and dedicated BD remit as part of a 13 person specialist real estate team led by John Davies and under the ultimate leadership of then Regional managing director Greg Jones.Core responsibilities- As a member of this bespoke BD team, my main objective was to deliver core new to bank income and asset growth, targeting larger and more complex property deals < £1.5m, predominately in and around the South West corridor. My personal responsibilities were to develop negotiation skills, grow and enhance a wider broker and introducer network and grow the groups real estate book. Although I did not directly report to the local Corporate team led by Simon Godfrey, I was also tasked with providing a direct real estate specialising to compliment the Gloucestershire team's own growth strategy and expand the groups reputation and market share in the wider South West real estate market.

South West And Wales

Relationship management role in the original South West and Wales Property Team under leadership of Chris Rowe. My role was to establish a stand alone property portfolio in Cheltenham/Gloucestershire. Historically all larger deals had been dealt with by larger teams in Bristol, Bath and even Birmingham and objective was for Gloucestershire to have their own property offering. Core responsibilities – Daily management of the specialist property portfolio, growing the book from lending volumes and new acquisitions. Collaboration with the local CBC’s, business partners and key internal colleagues including branch staff, support departments and credit. Maintain minimum standards for operational and credit key control tests and all aspects of operational and credit risk. Duly authorized for commercial administration, new

Gloucestershire

Gloucestershire

My first managerial appointment was at Gloucester, Westgate Street Branch at the age of 24. I later moved to manage the larger Cheltenham, Promenade branch, before returning back to Gloucester branch some years later to manage its further expansion. During this period I often assisted the region with short secondments to branches such as Swindon and Bath when issues or direct management support was needed.Key responsibilities- Direct line management of what was anything from to 12 to 24 direct employees at any one time. Provide excellent customer service, develop, implement and maintain a business plan for branch focusing on achieving sales, customer acquisition, retention and cross sales. To observe, coach and provide feedback to staff on a regular basis. Manage risk ensuring banks key regulatory, operational, credit and control processes are met. Deal with complaint handling, budget allocation and undertake key resource management. To develop and maintain a robust succession plan for branch.

Education record

Education record