Tom Dramby, Head of Credit & Risk at Capitas Finance

Tom Dramby

Head of Credit & Risk

Tom began his career within the business controller’s team at Bank of America in California working his way up into the global specialised lending division.  He was seconded to the Bank’s European Leasing division based in London fulfilling the Credit Director role, responsible for overseeing asset based lending to ten european countries. Since then Tom’s commercial experience has remained UK Credit led, fulfilling the role of Director of Credit with ING Bank’s leasing subsidiary in the UK, as well as working for Barclays Bank’s lending to high net worth individual clients internationally.

More recently Tom, along with two other founding partners, established a middle ticket finance house backed by Close Brothers Commercial Banking Division and went on to successfully sell the business back to the partner Bank. Tom was then invited to undertake a three year role as Head of Credit for the Bank’s lending division. Tom’s final position before retiring from Close Brothers was to head up and manage larger and more complicated problematic credit structured clients for the institution.

In 2017, Tom joined Capitas to head up the company’s credit & risk management function.  His responsibilities include undertaking initial and continuing credit & risk assessment, evaluation and reporting for energy asset-based lending exposures.

Tom was born and educated in the United States and has an Accounting & Finance Degree from University Rhode Island.

Contact info

Phone: +44 (0) 7850 832 492