BV has a strong management team, comprising a group of highly experienced lending and investment professionals, with many decades of combined transaction and management experience, some of whom have worked together for many years.

• Their experience includes establishing UK specialist lenders, mortgage banking, principal investing, structured finance, investment banking, primarily in securitisation and private equity, and undertaking due diligence on a number of lenders.
• Within specialist lending, they have experience of residential, commercial, first and second mortgages, automobile loans, leases, and loans to law firms.

• Keith Howard, Managing Partner, Founder
• skills, credentials, and education
• Keith has an extensive skill set including in each following area: specialist lending across various asset classes, securitisation/portfolio sales/structured finance, private equity, accounting/financial analysis, cashflow modelling, operations, information technology, transaction execution, and entrepreneurship.
• He is also a chartered accountant and chartered financial analyst.
• He received a Bachelor of Arts degree in Computer Science/Electrical Engineering from Dartmouth College and completed a Master of Science degree in Accounting at New York University Stern School of Business.
• experience
• Keith has been involved in launching several lenders, developing them to commercial profitability, and has undertaken due diligence on several others.
• He has experience executing and overseeing the finance/treasury functions in lenders.
• He has completed a variety of loan portfolio acquisitions.
• He as a vast amount of transaction experience ranging in size from tens of millions to billions of dollars.
• roles
• Amongst other roles, Keith has worked at Deloitte, headed the securitisation team at S.G. Warburg, led numerous transactions at Nomura International’s Principal Finance Group, and founded and was Managing Director of the Principal Finance Group at Nikko Europe. After setting up BV, he led the incubation, and became CEO, of 5D Finance (a long-term, non-conforming commercial mortgage lender), and grew it to about three dozen employees.
• He has invested a material amount in BV.
• He is currently focussing on expanding BV and building Kaizen Credit Limited into a significant technology-enabled specialist lender.
• summary
• Because of the above background, Keith is able to provide effective leadership, advice, and support to BV and each company within BV's group in a wide range of areas.

• William Hamlen: Senior Advisor
• skills, credentials, and education:
• William has an extensive skill set including in each following area: investment banking, trading, currency risk management, operations, commercial and residential real estate management.
• He has been an instructor at the Futures Industry Association.
• He received a Bachelor of Arts degree in Economics modified with Geography from Dartmouth College.
• experience
• William has extensive experience of trading physical commodities and complex derivatives, managing complex contractual arrangements, currency risk, global shipping, and operations in multiple locations globally simultaneously.
• He has experience managing his own small residential and commercial real estate portfolio.
• roles
• Amongst other roles, William has worked at Drexel Burnham Lambert, United Energy, as a physical oil trader founding the London trading desk at Westport Petroleum, and as an oil trader equity partner at Vitol Pte Ltd.
• He has invested a material amount in BV and is also active in the invoice discounting sector.
• He is currently focussing on real estate development and technology enabled lending, advising Keith Howard and assisting him to expand BV prudently and profitably.
• summary
• Because of the above background, William is able to provide commercial decision-making support to BV in a wide range of areas.