Richard HawkinsSenior Adviser, Gordon BrothersWith over 30 years of experience working with and for the Asset Based Lending, Trade and Commercial Finance Industry. He was at the forefront of developing Asset Based Lending techniques in the UK in the 1980s. He is recognised as one of the leading experts in his field and has presented, lectured and moderated at several International Lending Seminars and Conferences. CEO and Founder of Atlantic Risk Management in 1997 now a Gordon Brothers Company which provides Diligence, Valuation and Recovery Services for Banks and Non-Bank Financial Institutions across the World. Richard has published various articles and is co-author of Asset Based Working Capital Finance (ISBN 0-85297-516-3) published by Financial World Publishing on behalf of the Chartered Institute of Bankers.