Charlene is an Of Counsel in the finance practice focusing on securitisation transactions, including both public and private securitisations, warehouse lending, portfolio sales and forward flows.
She acts for a broad base of clients including borrowers, originators (including fintech and specialist originators), lenders and arrangers in relation to a wide range of asset classes including residential mortgages, consumer lending, auto loans and asset finance. Charlene has also advised on ground-breaking transactions in the UK and Europe including the financing of airport landing slots.
Experience & expertise
Selected matters
- BNP Paribas and Citigroup Global Markets Limited as joint arrangers and joint lead managers on the debut securitisation by Haydock Finance Limited of asset finance leases and hire-purchase agreements (Hermitage 2023). This transaction won Esoteric ABS Deal of the Year at the Global Capital 2024 securitisation awards
- UK Mortgage Lending (Pepper Money) on a number of its Polaris RMBS of first charge mortgages, Castell RMBS of second charge mortgages and various of its warehouse financings
- The arranger and joint lead managers on the 2023 update and issuances of the Permanent master trust programme
- A specialist Spanish originator of unsecured consumer loans on a warehouse financing involving a dual STS and Non-STS facility
- Blue Motor Finance (a specialist auto hire purchase originator) on a number of its warehouse facilities, forward flow transactions and portfolio disposals
- LendInvest on its debut securitisation (Mortimer 2019-1) and subsequent securitisations of buy-to-let mortgage loans and various of its warehouse financings
- Pepper Spain on its public and private ABS transactions, including its inaugural Pepper Iberia ABS
- Virgin Atlantic on its landmark securitisation financing using its take-off and landing slot portfolio at London Heathrow. This was the first ever transaction to be successfully completed for this asset class in Europe
