Fraser Clark
Head of Credit
Fraser is a Chartered Banker with over 20 years’ experience across commercial, corporate, and retail banking, specialising in credit, risk, and business development. As Head of Credit at FOLK2FOLK, he is responsible for loan sanctioning, credit risk management, and oversight of defaulted loan strategies, helping to uphold the quality and resilience of the business’s lending portfolio.
Before joining FOLK2FOLK, Fraser held senior roles at Assetz Capital, Lloyds Banking Group, and Bank of Scotland, where he developed a strong track record in SME lending, distressed asset management, and corporate relationship banking. His expertise spans complex multi-jurisdictional corporate structures, project finance, and strategic risk mitigation.
Fraser is a Member of the Chartered Institute of Bankers in Scotland and holds a BA (Hons) in Financial Services. He is passionate about supporting sustainable business growth while maintaining rigorous credit standards.
