Bounce back loans – understanding the basics of lending (Part 4)

  • 1 December 2022
  • Webinar
Event Details

This is the fourth part in our series of popular webcasts on bounce back loans. 

The Bounce Back Loan Scheme (BBLS) was set up in April 2020 and provided financial support to businesses across the UK that: could benefit from £50,000 or less in finance. The BBLS was available through a range of accredited lenders and partners and the scheme was part of a wider package of government support for UK businesses and employees. The BBLS closed to new applications and applications for Top-ups, on 31 March 2021. The Recovery Loan Scheme (RLS) replaced the BBLS in April 2021 and the scheme was extended to run for another years in July 2022. 

Since the last webcast back in March 2022, a dashboard of bank performance on bounce back loans is now being provided by the UK Government’s Department for Business, Energy and Industrial Strategy (BEIS) 

Our panel of experts will consider the data, in the light of the cost-of-living crisis and share their insights on what the current level of repayments, arrears, default and fraud impacts reveal about lending decisions that were taken at the time and future economic, political and social consequences of those decisions.   

Watch the previous webcasts in this series by clicking below.  


Who should attend? 

  • Members working in UK business banking roles. 

  • Members now working as advisers and consultants in/to banks and businesses. 

  • Students studying subjects including commercial lending. 

  • Anyone in the sector who wants to know more about the BBLS and how it operated. 

Why should I attend? 

To educate yourself on how the BBLS and RLS and understand how effectively they have operated. 



Bill McCall

Bill McCall

Principal of McCall & Partners

Bill needs little introduction to Institute members, as he is the immediate Past President and a Fellow of the Chartered Banker Institute.  Bill is Principal of McCall & Partners, a corporate finance advisory business he founded in 1999. He is a seasoned independent Director and has been Chairman of more than 50 private equity backed companies in the UK, Nordic region and North America.  Following his early career at Clydesdale Bank where he passed the Institute exams, Bill joined stockbroker Campbell Neill & Co, and was elected an Individual Member of the London Stock Exchange in 1990. He is a former Director of Charterhouse Tilney and of merchant bank Singer & Friedlander.


Steve Pateman

Steve Pateman

Chartered Banker Institute | President |


Steve has worked in banking for over 40 years and is currently a Non Executive Director at Bank of Ireland where he chairs the Remuneration Committee. He sits on the Advisory Board of The Arora Group and Kingsley Healthcare and was previously on the Financial Capability Board of the Money Advice Service. 

During Steve’s banking career he was CEO of The Hodge banking and life assurance businesses and Shawbrook Bank. 

Prior to joining Shawbrook in 2008, he led the UK banking businesses of Santander UK sitting on the UK Board of the Holding company and various UK subsidiaries. He also represented Santander on the Board of its US businesses. 

Prior to joining Santander in 2008, Steve spent eight years at RBS, where he was CEO of Business Banking, Retail Markets and Managing Director of Commercial Banking and Corporate Banking, Corporate Markets.  

Steve was presented with an Honorary Degree of Doctor of the University of Kent in 2016 for his contribution to Banking and the University. He has a young family and in his “spare time” likes to follow Everton football club and Sussex county cricket team. 

Mike Conroy

Mike Conroy

UK Finance | Director | Commercial Finance


Mike has policy responsibility for commercial finance, which covers the corporate and SME markets. This includes engagement with government, regulators and key market stakeholders on access to finance, enhanced customer protection, serving customers better, supporting the economy and competitiveness.

Prior to UK Finance, he gained over 35 years’ experience in the banking industry at HSBC, in branch, regional and head office roles, including retail and commercial banking, marketing, strategic planning and implementation, e-commerce. He led on SME, commercial and corporate banking policy issues including the Business Finance Taskforce. At HSBC, he completed secondments with the London Enterprise Agency and HM Treasury. Mike is an associate of the Chartered Institute of Bankers. 

Martin McTague

Martin McTague

Federation of Small Businesses | National Vice Chair | Policy & Advocacy


Martin is the National Vice Chair, Policy & Advocacy for the Federation of Small Businesses. He has been a member of FSB for over 20 years, promoting the interests of our local members through the Darlington Branch Committee, as Vice Chairman of the Regional Committee, and as Chairman of the Local Government Policy Unit. He currently owns and manages three businesses offering public policy, engineering and IT consultancy services. Martin leads the policy team to make sure small business issues are understood and represented in Westminster, Whitehall and Brussels.

Helen McKay

Helen McKay

LendingCrowd | Credit Assurance Manager


Having worked for nearly 30 years in banking, during which time she gained invaluable experience in customer service, regulated activities and business credit, Helen joined LendingCrowd in 2014 as the fintech lending platform’s first employee. Helen gained her fellowship of the Institute in 2017 and was appointed as Chairperson of the Membership Forum in 2021 and is Past Chair of Edinburgh, Lothians & Fife District Centre.

Richard Bearman

Richard Bearman

Small Business Lending | Managing Director


Richard Bearman has over 20 years’ experience in the banking sector and over that time has developed a real passion for working with and supporting entrepreneurs. Richard is a Managing Director at the British Business Bank and is responsible for the Start Up Loans programme. Over the past 2 years Richard has also led the Covid-19 emergency Bounce Back Loan Scheme and has recently set up a Financial Crime team at the British Business Bank. 


Date & Schedule

Thursday 1st December

13:00 - 14:00

Booking Details

To register click here.

If you experience any difficulties, please email [email protected]