EXPERIENCE

Tom’s transactional experience includes advising:

• J.P. Morgan on a £300 million securitization of unsecured salary-deduction loans originated by Salary Finance
• Barclays on a novel £700 million financing backed by Supplier of Last Resort energy-related receivables originated by Octopus Energy
• Tabby, a leading shopping and financial services app in the Middle East, on its ground breaking US$700 million receivables securitization. The deal represents the largest asset-backed facility obtained by a fintech company in the MENA region
• Lowell, a leading European non-performing debt purchaser, in connection with its inaugural public securitisation “Wolf III”
• Blackstone and others on a number of music royalty-backed securitizations
• J.P. Morgan in connection with a £200 million securitization of credit card receivables originated by New Wave Capital (trading as Capital on Tap)
• The arrangers on the wholesale restructuring and refinancing of a £400 million private securitization of UK second-lien residential mortgage loans
• Startline Motor Finance on its UK STS and London-listed auto-loan public securitizations
• A leading financial institution on an asset-based loan collateralised by a securitization equity tranche
• Tamara, a shopping and payments platform, on a first-of-its-kind US$150 million securitization of buy-now-pay-later receivables originated in The Kingdom of Saudi Arabia
• Goldman Sachs on its US$150 million receivables securitization for Splitit, a buy now, pay later provider
• J.P. Morgan as the arranger of a first-of-its-kind €150 million energy receivables securitization established for Public Power Corporation (PPC)
• DE Shaw on its mezzanine investment in an innovative private financing/securitization for Casavo S.p.A, an Italian PropTech firm 
• A private credit fund in connection with multiple “forward flow” private securitizations of bridging and development mortgage loans and negotiation of back leverage
• YouLend, a merchant cash advance business, on a UK private securitisation
• Goldman Sachs on its proposed purchase of a €3 billion portfolio of Spanish residential mortgage loans known as Project Prometeo
• On other portfolio acquisitions of residential mortgage loans and unsecured personal loans (including, through portfolio call options) and associated bridge financing and/or follow-on or “exit” securitization transactions
• On delivering global trade receivables securitizations for large chemicals groups*, various commodity traders*, and a global shipping group (with experience in over 30 jurisdictions)
• Christofferson Robb & Company on the purchase and financing of a French NPL portfolio from Credit Logement
• On the establishment of an NPL joint venture platform for a European credit management specialist and third-party investor, as well as multiple private securitizations of unsecured NPLs
• J.P. Morgan on a €180 million auto-lease securitization for Autohellas, the largest national franchisee of Hertz International
• On behalf of leading international banks in connection with a number of UK and South African auto-loan and lease securitizations 
• J.P. Morgan on a SEK2 billion securitization of Swedish personal loans originated by Resurs Bank
• On a range of other private personal loan/credit securitizations in the UK, Spain, Sweden, Finland, and other European jurisdictions
• KKR in respect of financing arrangements relating to the purchase of a £500 million credit card portfolio by Jaja, a UK FinTech lender
• On a number of other private credit card securitizations, including in the UK and Greece
• On the structuring and regulatory advice for CLOs and CLO risk retention vehicles 
• On the wholesale restructuring of a European bank’s ABCP conduit program* 
• On a range of matters relating to certain central bank funding facilities available under the Bank of England’s Sterling Monetary Framework* 

*Matter handled prior to joining Latham