Partner, PwC United Kingdom
I'm Annalie Croney, a Partner in the Banking and Finance Team.
I specialise in advising borrowers on the negotiation of new finance and the refinancing of existing facilities as well as on obtaining bank consent in connection with corporate restructurings. I have a number of large property development and investment clients and therefore I focus predominantly on real estate finance transactions. Working with the corporate team's structuring specialists, I often get involved in the implementation or re-organisation of complex intra-group finance and security arrangements.
I also have a lot of experience in advising on the implementation of cash pooling and other cash management systems, both advising banks on their cash management and treasury offerings to customers and multi-national groups on the implementation of intra-group cash pooling systems.
As one of the Banking and Finance team's consumer credit specialists, I often advise on how to structure loans to fall within exemptions from the Consumer Credit Act (CCA). I have also undertaken audits of CCA documentation, policies and procedures to assess compliance and helped clients design compliant policies and procedures including providing staff training.